Top Budgeting Apps for Self-Employed Individuals in 2025

Managing finances as a self-employed individual can be challenging. You need to track your income, expenses, and keep everything organized for tax purposes. Thankfully, there are several apps that can make budgeting easier and more efficient.

In this post, we’ll cover the best budgeting apps for self-employed individuals and freelancers in 2025.

1. CashFlowz: The AI-Powered Budgeting App for Self-Employed Individuals

Best for AI-Driven Financial Management

CashFlowz is one of the best budgeting apps for self-employed individuals, offering powerful AI tools that categorize your spending and help you track your income. Whether you’re working on a side hustle or running your own business, CashFlowz has you covered.

Key Features:

• AI-powered expense categorization and income tracking
• Real-time budgeting insights and reports
• Simplified financial planning and goal setting

Why Choose CashFlowz: With its AI-driven features and comprehensive budgeting tools, CashFlowz is perfect for freelancers and self-employed professionals who need an intelligent, automated solution for managing finances. Join the waitlist for CashFlowz today.

2. YNAB (You Need A Budget): The Classic Freelancer Budgeting App

Best for Hands-On Budgeting

YNAB has long been a favorite among freelancers and self-employed individuals who prefer to have more control over their finances. YNAB uses a zero-based budgeting method to help you allocate every dollar to a specific category.

Key Features:

• Zero-based budgeting system
• Real-time financial tracking
• Goal-setting and savings features

Why Choose YNAB: YNAB is ideal for those who want to take a hands-on approach to budgeting and have full control over where their money goes. It’s a great choice for freelancers who want to set specific financial goals.

3. QuickBooks Self-Employed: The Ultimate Budgeting Tool for Freelancers

Best for Tax and Expense Management

QuickBooks Self-Employed is a top choice for self-employed individuals who need to track both business and personal expenses. It helps you categorize income and expenses, prepare for taxes, and monitor your financial health.

Key Features:

• Tracks income and expenses for tax purposes
• Categorizes expenses and generates tax reports
• Mileage tracking and automated income logging

Why Choose QuickBooks Self-Employed: QuickBooks Self-Employed is the perfect budgeting app for freelancers who need to simplify their financial management and tax reporting.

Final Thoughts

Choosing the right budgeting app for self-employed individuals is crucial to managing your finances effectively. Whether you prefer AI-driven insights with CashFlowz, hands-on budgeting with YNAB, or tax management with QuickBooks, these apps are designed to help you succeed financially.

Start budgeting smarter today by joining the CashFlowz waitlist.