Tidal
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The tide table for freelance income Waitlist edition · November 2026

Your income comes in waves. Your paycheck doesn’t have to.

Tidal is a buffer account for freelancers. Client payments land in your buffer whenever they arrive. Tidal pays you the same amount, on the same day, every month.

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See how one year smooths out

Tide chart · example yearApr → Mar
CLIENT PAYMENTS YOUR PAYCHECK ₹75,000
In, per month
₹0–2.4Lwhenever clients pay
Out, per month
₹75,000same day, every month

01 — The story

One year of freelance pay, smoothed.

Scroll through an example year and watch each client payment pour into the buffer and come back out as the same paycheck, month after month.

  1. 01 · The swell

    Freelance money arrives like weather.

    Here’s an example freelancer’s year, April to March. ₹2,40,000 lands in April. June, August and November bring nothing at all.

    Example data. Year total ₹9,40,000, an average of ₹78,333 a month.

  2. 02 · The worry

    Bills arrive like clockwork.

    Say rent, EMIs and groceries cost ₹75,000 a month. In 7 of these 12 months, client payments fall short of that line.

    The year is fine on average. The months aren’t.

  3. 03 · The harbour

    Every payment lands in your buffer first.

    With Tidal, client payments go into your buffer, not straight into your spending money. April’s ₹2,40,000 fills it.

    Then, on payday, Tidal pays you ₹75,000. The rest stays in the harbour.

  4. 04 · The tide

    Big months fill it. Quiet months draw on it.

    Month after month, the same motion: invoices raise the buffer, dry spells lower it, and payday never moves. ₹75,000, twelve times.

  5. 05 · Steady

    Same year. Same clients. Twelve identical paydays.

    The same ₹9,40,000 came in. But no month fell short, and ₹40,000 was still in the buffer at year end. The lowest it ever got was ₹10,000, in February.

    In this example the paycheck sits a little under the ₹78,333 monthly average. That gap is what keeps a cushion in the buffer.

See the example year as a table
Example freelancer’s year with Tidal (illustrative figures, not real customer data)
MonthClient paymentsTidal paycheckBuffer after payday
April₹2,40,000₹75,000₹1,65,000
May₹20,000₹75,000₹1,10,000
June₹0₹75,000₹35,000
July₹1,85,000₹75,000₹1,45,000
August₹0₹75,000₹70,000
September₹45,000₹75,000₹40,000
October₹1,30,000₹75,000₹95,000
November₹0₹75,000₹20,000
December₹1,60,000₹75,000₹1,05,000
January₹30,000₹75,000₹60,000
February₹25,000₹75,000₹10,000
March₹1,05,000₹75,000₹40,000
Year₹9,40,000₹9,00,000₹40,000

02 — How it works

Three steps, then it runs on its own.

  1. Point client payments to your buffer

    Put your Tidal account details on your invoices. Every payment, big or small, lands in your buffer.

  2. Choose your monthly paycheck

    Pick an amount your buffer can keep up with. Not sure what that is? Try your own year below.

  3. Get paid the same day, every month

    Payday comes on the same date for the same amount, whether a client paid this month or not.

03 — Try your year

What steady paycheck could your year pay?

Type in roughly what clients paid you each month. We’ll work out the highest monthly paycheck that year could have paid without the buffer running dry.

Amounts in rupees. Leave a month empty for zero.

Client payments per month, April to March

Money already in the buffer on day one.

Steadiest monthly paycheck

₹75,000/ month

Lowest buffer
₹10,000 in Feb
Year in / average
₹9,40,000 / ₹78,333

An illustration of the buffer idea, not financial advice. It ignores tax, fees and interest, and assumes each month’s payments arrive before payday.

04 — Pricing

Pricing, written in pencil.

Prices aren’t set yet. These plans are placeholders, and the waitlist hears about real prices first.

[Plan name]

[₹ price] / month

Billed monthly.

  • Buffer account for client payments
  • The same paycheck, on the same day, every month
  • [Add what’s included]
Join the waitlist

[Plan name]

[₹ price] / month

Billed monthly.

  • Everything in [first plan]
  • [Add what’s included]
  • [Add what’s included]
Join the waitlist

Prices in ₹. [State whether GST is included.]

05 — Questions

Fair questions, straight answers.

Can I use Tidal yet?

Not yet. Tidal is opening to the waitlist first. Join with your email and we’ll tell you when you can sign up. [Add launch date when known.]

How is this different from a savings account?

A savings account holds money until you move it. Tidal also pays it back to you on a schedule: the same amount, on the same day, every month. A big invoice turns into several months of steady pay instead of one good month.

What happens in a month when no client pays?

Your paycheck is paid from your buffer, so it still arrives as long as the buffer holds enough. That’s what the June, August and November dips in the story show.

What if my buffer runs low?

Tidal pays you from your own money in the buffer. It isn’t a loan, so the paycheck needs to be an amount your buffer can sustain. The “Try your year” tool shows how to pick one.

[Add how Tidal warns you and adjusts the paycheck when the buffer runs low.]

Where is my money held?

[Add the partner bank, how deposits are protected, and regulatory details before launch.]

What will it cost?

Prices aren’t final. People on the waitlist will see them before Tidal opens, and joining the waitlist costs nothing.

What will you do with my email?

We’ll use it only to tell you about Tidal’s launch. Every email has an unsubscribe link. [Link the privacy policy.]

Make every month a payday.

Join the waitlist and be first to try Tidal when it opens.

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