NEW Early access for freelancers is open

Irregular income.
Regular paycheck.

Tidal catches every invoice the moment it lands, sets your taxes aside, and pays you the same amount on the 1st of every month. Feast or famine, smoothed out.

Get early access See how it flows
One paycheck, every month Taxes set aside automatically Works with the bank you have

Built for designers, developers, writers, photographers, video editors, consultants, illustrators, translators, musicians and coaches.

The story of one freelance year

Watch twelve wild months turn into a salary.

This is Maya, an independent designer. She earned $52,800 last year — just never when rent was due. Scroll to follow her money.


Skip the story

01 · The spikes

Freelance income doesn't trickle in. It crashes in.

A year of Maya's invoices: $52,800 in total, from $13,200 in October to nothing at all in February and July.

02 · The gaps

Rent doesn't care that the client pays net‑60.

Her life costs $2,800 a month. Measured against that, 6 of 12 months come up short — even though the year as a whole is fine.

03 · Catch every wave

Every payment lands in your Tidal pool first.

Big invoices don't get spent the week they clear. They pour into a buffer that's yours — a separate account that earns interest while it waits.

04 · Tax, handled

One in every four dollars goes straight to the tax jar.

Tidal sets aside 25% as money arrives — $13,200 this year — so quarterly estimates are already paid for.

05 · The steady part

Then it pays you. Same amount. Every month.

$3,000 on the 1st, like clockwork — whether that month brought in $13,200 or nothing.

06 · Calm water

Same year. Completely different life.

Twelve identical paychecks, every one above the rent line. Taxes covered, and $3,600 still in the pool for next year's dry spells.

How it works

Three moves. Then it runs itself.

Set it up in about four minutes. After that, Tidal quietly does the budgeting you keep promising yourself you'll do.

01

Point your invoices at Tidal

Connect your bank and swap the payout details on your invoices. Stripe, PayPal, Wise and direct transfers all work.

02

Tidal catches every wave

Each payment is split the moment it lands: your tax share into the jar, the rest into your pool. You never have to decide.

03

Get paid like you have a job

On the 1st, a fixed paycheck hits your everyday account. Tidal recalculates it each quarter, and only ever nudges it gently.

Try it

Draw your year. See your paycheck.

Drag the bars to match your last twelve months (or swipe across them). Tidal's line shows what you'd be paid, every single month.

Monthly income · drag or use arrow keys Above paycheckBelow
$3,000 / mo

Features

Everything a payroll department would do for you.

Smart paycheck

Sized from your trailing twelve months and your buffer, so it stays sustainable — not optimistic.

Tax jar

Set-aside rates tuned to your bracket, with reminders two weeks before every quarterly deadline.

Dry-spell radar

See how many months of calm you have saved. Tidal warns you weeks early if a long gap would dent your paycheck.

Invoice tracker

Know what's owed, what's late and what's coming. Overdue invoices get a polite, automatic nudge.

Keep your bank

Your paycheck lands in the account you already use. No new cards, no switching, no drama.

Bonus month

Pool overflowing? Tidal suggests a one-off bonus, a raise, or an extra pension contribution. Your call.

From the beta

“I stopped checking my balance at 2am.”

My income still looks like a heart monitor. My bank account finally looks like a flat line — in the good way.
PRPriya R.Brand designer, 6 years freelance
The tax jar alone paid for itself. First April in a decade without a panic loan.
DODami O.Backend contractor
I took a month off in August and still got paid on the 1st. That's never happened before.
LKLena K.Documentary editor

Pricing

One plan. No cut of your income. Ever.

We charge a flat monthly fee, not a percentage — because your best month shouldn't cost you more.

Early access

$8 / month

First 3 months free. Cancel anytime.

  • Automatic monthly paycheck
  • Tax jar with quarterly reminders
  • Interest-earning pool account
  • Invoice tracking & late-payment nudges
  • Unlimited payment sources
Claim early access

Your money stays yours. Withdraw from the pool any time.

Questions

Good questions, straight answers.

How does Tidal decide my paycheck?

It looks at what you've earned over the last twelve months, takes out your tax set-aside, keeps a small slice to grow your buffer, and divides the rest by twelve. It recalculates every quarter and only moves the number gradually, so you never get whiplash.

What happens if I hit a really long dry spell?

Your paycheck keeps coming from the pool. If the pool would run low within the next few months, Tidal tells you early and suggests a gentle step down — you approve any change before it happens.

Can I get at my money whenever I want?

Yes. The pool is your money. Withdraw any amount at any time, or pay yourself a one-off bonus. Tidal just recalculates your runway afterwards.

Is Tidal a bank?

No. Tidal is a money app. Your pool and tax jar are held in accounts at partner banks, and your paycheck goes to whichever everyday account you choose.

Is the tax jar tax advice?

It's a smart savings habit, not advice. Tidal suggests a rate from what you tell us, and you can change it anytime. For anything complicated, your accountant is still your best friend.

Early access

Make every month feel like payday.

We're letting freelancers in batch by batch. Add your email and we'll send your invite as soon as your spot opens.

No spam. One email when it's your turn.

You're on the list.We'll email when your invite is ready. Calmer months ahead.