Dividonic analyses your cash flow and learns your risk tolerance, then allocates idle capital while you focus on your next contract. You set the boundaries; the model works inside them.
One view brings together your available cash, current allocation, and risk settings — updated as new data arrives, not on a fixed schedule.
Freelance income rarely lands on a schedule. Between invoices, cash often sits in a transaction account earning nothing while you wait for the next brief. Deciding what to do with it — now, manually, under time pressure — adds a second job on top of the one you already have.
Dividonic treats that gap as a decision window rather than a wait. It reads your cash position continuously and proposes allocation moves that match the risk profile you've set, so the decision is made with current data instead of guesswork.
Most allocation tools assume a steady salary and a fixed monthly surplus. Freelance and consulting income looks different: lump sums, gaps, and projects that shift in scope partway through. Dividonic was designed around that irregularity rather than against it.
The platform is Australian-built for Australian freelancers, independent consultants, and solo operators who need their capital working between invoices, not sitting dormant in a general account.
Link your business accounts and invoicing data. Dividonic reads balances and cash flow patterns in real time, without requiring manual entry of each transaction.
The model maps your risk tolerance against your current cash position, upcoming obligations, and past decisions, refining the profile as new data arrives.
Within the boundaries you've approved, Dividonic executes data-backed allocation moves and reports the reasoning behind each one.
Rather than applying a single market model to every user, Dividonic builds a forecast from your invoicing rhythm, payment delays, and seasonal dips, then adjusts allocation suggestions as that pattern shifts over successive contracts.
You define maximum exposure and liquidity reserves. The model works inside those limits and tightens allocation automatically when incoming revenue slows.
Balances, current positions, and risk settings update as new data arrives, giving you a single reference point instead of several disconnected statements.
Dividonic starts from a questionnaire about your income stability, reserves, and comfort with drawdown. Each decision you approve or adjust feeds back into the model, narrowing its estimate of your actual tolerance rather than relying on the initial survey alone.
Account connections use read access wherever the provider supports it, and data is encrypted in transit and at rest. No transaction data is sold or shared with third parties for marketing purposes.
The system proposes; it does not override. Every automated action sits within parameters you've set, and you can pause, adjust, or reverse the allocation logic at any time. Dividonic is built as a decision-support tool, not a replacement for your judgement.
Connect your financial data and see how Dividonic reads your cash flow, before any allocation decision is made.
Start Your AnalysisNo obligation. You review every proposed allocation before anything is executed.