Slow-month forecast
Flagged six to eight weeks out, based on your last 12 months of client timing.
Freelance income doesn't arrive in a straight line.
Neither should your budget.
Ebb reads your incoming payments, learns your pattern, and tells you — weeks in advance — whether next month can cover rent, taxes, and everything in between.
Buffer forecast
3 accounts connected
Jan $4,800 · Feb $5,200 · Mar (forecast) $2,100 — baseline to cover: $3,200/mo
Buffer by March
$1,140
March shortfall
$1,100
Coverage
104%
You'd enter March covered, with $40 to spare.
How Ebb works
No spreadsheets to maintain — connect once, set your baseline, and Ebb keeps forecasting as new payments land.
01
Connect your income
Not just your bank balance. Ebb links to Stripe, PayPal, and business accounts to see individual payments as they land, and tags each one by client.
02
Set your baseline
Tell Ebb what has to get paid no matter what — rent, insurance, subscriptions, your minimum draw. That number becomes the line every forecast is measured against.
03
Get your forecast
Ebb looks at the last 12 months of client payment timing, flags months likely to run light, and tells you how much to set aside now — before they arrive.
Built around what actually varies
Four views into the same forecast — how light a month might run, whether your buffer is on track, what taxes you already owe, and which clients you can count on.
Buffer goal
$2,960 / $4,000
74% to your 2-month buffer goal
Set a target once — Ebb tracks progress every time surplus comes in.
Tax set-aside
This quarter$1,605 held
Acme Co. — $2,400$588 (24.5%)
Studio Nine — $1,150$282 (24.5%)
Kessler LLC — $3,000$735 (24.5%)
Every payment is split the moment it lands — no quarterly guesswork.
Income mix
Acme Co.Steady
Studio NineVariable
Kessler LLCVariable
One-off gigsUnpredictable
Ebb weighs the forecast by how reliable each client has actually been.
Pricing that matches how you actually get paid
Three tiers, one real difference each — no artificial feature gates.
Tide Check
For testing the waters
$0/mo forever
- 1 connected account
- 30-day forecast
- Manual set-aside tracking
Solo
Full-time freelancers
$9/mo$90/yr
- Unlimited accounts
- Full 12-month forecast
- Automatic buffer goals
- Slow-month alerts
Solo + Tax
1099 contractors
$15/mo$150/yr
- Everything in Solo
- Per-payment tax set-aside
- Quarterly estimates
- 1099 export at year-end
What changes once you can see it coming
Ebb flagged March as light back in January. By the time my biggest client's invoice sat unpaid for three weeks, I'd already set aside $1,400.Freelance motion designer, 6 years independent
I used to find out I was short when the rent auto-pay bounced. Now I know six weeks out, not three days.Independent copywriter
The tax set-aside alone paid for the subscription. I stopped raiding my buffer every April to cover what I owed.Freelance photographer
Before you connect an account
Is my financial data safe with Ebb?
Ebb connects through the same bank-linking infrastructure most banking apps use — we never see or store your login credentials, and account data is encrypted in transit and at rest. You can disconnect any account in one click.
What if the forecast is wrong?
Forecasts are a range, not a promise. Ebb shows a likely low and high based on your payment history, and updates every time a new payment lands. The further out the forecast, the wider that range gets — and we say so on screen.
I already track this in a spreadsheet. Why switch?
A spreadsheet tells you where you've been. Ebb looks at when your specific clients typically pay and projects forward. Most people import 12 months of transactions and get their first forecast in under ten minutes.
Can I cancel anytime?
Yes — cancel from your account settings, no email required. You keep read access to your forecast history for 90 days after.
Does the free plan expire?
No. Tide Check stays free with one connected account and a 30-day forecast for as long as you use it — there's no trial countdown.
Know your next slow month before it knows you.
Start your free trial — no card required.
Start your free trial