For freelance and irregular income

Split each payment by your rules.

A client pays you. Cascade calculates your chosen split between tax reserves, personal pay, savings, and business costs, then gives you a checklist for the transfers.

No bank connection No account Financial data stays local
Download on the App Store Try the free calculator iPhone & iPad · iOS 26+
One rule set and your first three saved plans free.
Cascade showing a complete allocation plan for a payment
A calm three-step loop

From income to action, without a spreadsheet.

Cascade does the arithmetic while you remain in control of every real transfer.

1

Build your flow

Order percentages, fixed amounts, targets, and “everything left” rules around the way your income actually works.

2

Enter a payment

See an exact allocation preview before saving anything. The amounts add up to the payment exactly.

3

Follow the checklist

Complete each transfer manually and keep a clear local history. Cascade never touches your bank accounts.

Free browser tool

Try one payment before downloading.

Use the irregular-income calculator to split a payment by percentage. Nothing is saved or sent anywhere.

Open the free calculator
Practical guide

What should happen when a freelance payment lands?

Build a repeatable payment-first routine without copying somebody else’s percentages or connecting a bank.

Read the step-by-step guide
Private by design

Your money is not our data.

Amounts, balances, labels, rules, notes, and exported backups stay on your device unless you explicitly share an export.

No account, cloud ledger, or financial-data backend
No bank credentials or transaction import
Optional app lock and app-switcher privacy cover
Parameter-free product analytics and crash diagnostics only
Cascade Pro

Make your system repeatable.

A one-time lifetime purchase for people who use different income flows or plan payments regularly.

Unlimited income rule sets and saved plans
Reusable payment presets
Validated backup restoration
No subscription