Every feature built around one question: what should you do with your cash right now?
Dividonic turns irregular freelance income into a structured, ongoing allocation plan — rebuilt automatically as your contracts, invoices, and balances change.
A clearer view of your working capital, between contracts and after invoices land
Most budgeting tools assume a predictable paycheck. Dividonic is built the other way around — starting from irregular income, tax set-asides, and the gap between finishing one engagement and starting the next.
Dynamic allocation modelling
Instead of a static budget, Dividonic continuously re-models how incoming funds should be split across tax reserves, operating buffer, and short-term holding — adjusting each time a new deposit, invoice, or expense is recorded.
The model accounts for known upcoming obligations and the uncertainty of when your next contract will start, rather than pretending income arrives on a fixed schedule.
Runway tracking
See an estimate of how long your current balance covers fixed costs if no new income arrives, updated as your spending and balances change.
Reserve separation
Tax, buffer, and discretionary funds are tracked as distinct categories so one pool of cash doesn't quietly absorb another's purpose.
Three inputs, one continuously updated plan
Income pattern
You record contract income, invoice timing, and any known upcoming payments. Dividonic uses this history to distinguish a short lull from a genuine gap between engagements.
Fixed obligations
Recurring costs — rent, software, insurance, estimated tax — are logged once and weighed against your current balance and expected inflows.
Allocation output
The result is a suggested split: what to hold back for tax, what to keep as buffer, and what's genuinely available to move or spend, reviewed every time your position changes.
Designed around the space between contracts, not around a payslip
Freelance and consulting income rarely lands on a predictable date. Dividonic treats that as the normal case, not an exception — so the allocation plan doesn't fall apart the moment a project ends early or a new one starts late.
Every recommendation is shown with the reasoning behind it, so you can see why a figure changed and adjust assumptions yourself if your situation shifts.
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Fixed budgeting vs. adaptive allocation
Fixed monthly budgeting
- Assumes income arrives on a set schedule
- Buffer and tax reserves often blur together
- Plan stays static until manually rebuilt
Dividonic adaptive allocation
- Models income as irregular by default
- Keeps tax, buffer, and discretionary funds separate
- Recalculates automatically as your position changes
From first login to your first allocation plan
Connect your numbers
Add recent income, known upcoming invoices, and recurring fixed costs — no need for full historical bookkeeping to begin.
Review the first allocation
Dividonic proposes an initial split across tax, buffer, and available funds, with the reasoning shown alongside each figure.
Let it adjust over time
As invoices clear and expenses post, the plan updates — you can accept, override, or tweak the assumptions at any point.
See how Dividonic would allocate your current balance
Run a first analysis with your real numbers — it takes a few minutes and nothing is locked in automatically.
Start Your AnalysisDividonic provides analysis to support your own decisions; it does not execute transactions or guarantee financial outcomes.