Money & Finance
Money tools for invoices, cash gaps and IOUs
Six small money tools from independent makers: invoicing from a job site, spotting a cash gap before it lands, keeping loan records straight and checking a prop firm rule.
Most finance software wants to run your whole back office. Each tool here picks one money problem and stays with it. An electrician needs to send an invoice from a basement with no signal. A freelancer who gets paid late needs to see the day their balance dips below zero a week before it happens, and someone who lent a friend money wants a record that can't quietly change. Start with the problem that sounds like yours. Each entry also says what the tool costs and where your numbers are stored.
Send invoices and get paid
Both make invoices, for very different people. One lives on a tradesperson's phone; the other exists because Belgium now wants most B2B invoices sent over Peppol.
InvoiceKoi
Why it belongs here
InvoiceKoi is built for someone who does the paperwork from the van. A client signs the estimate on your phone, and when the job's done it becomes the invoice line for line, sent as a PDF by email or WhatsApp. It works offline, so a basement with no signal doesn't stop you. Drafting is free; issuing numbered invoices takes a subscription, $99.99 a year in the US. The $9.99 weekly plan costs far more over a year. Need a single invoice? Its free browser generator makes a PDF with no account.
Read full NoteNote published Oct 29, 2026OrdoGrid
Why it belongs here
Since January 1, 2026, Belgian domestic B2B transactions covered by the e-invoicing mandate need a structured electronic invoice, and Peppol is the usual way to send one. OrdoGrid is invoicing software built around that: it sends Peppol invoices and collects supplier invoices in an inbox inside the app. The free plan never expires and includes unlimited receiving plus one outgoing Peppol invoice a month, which may be all a very small business needs. Starter is €9 a month before VAT. Whether the mandate covers you depends on your situation, and OrdoGrid links a guide to the official rules.
Read full NoteNote published Oct 24, 2026
See a cash gap before it arrives
Start by deciding whether you'd rather type your plan in yourself or connect your bank accounts. That one answer usually settles it.
Cashflow Calendar
Why it belongs here
A monthly total can look fine while one Tuesday in the middle of it goes negative. Cashflow Calendar puts your planned income and bills on a calendar and shows the projected balance for each day, so the dip between rent and a late client payment lands on a date you can plan around. You type or import the plan yourself. There's no bank sync, so it's only as current as what you enter. Starter is free for a six-month forecast, and the homepage lists Pro at a one-time $9.90. The privacy policy says records use both local and cloud storage.
Read full NoteNote published Oct 11, 2026OptiVault
Why it belongs here
OptiVault goes the other way: it connects your accounts through Plaid and answers questions like whether you can afford a night out, with upcoming bills and savings set aside first. It also tracks goals and sends a weekly Financial Wrap. The demo runs on sample data and no account was connected for its Note, so the quality of its answers is still an open question. The privacy policy covers transactions and balances but doesn't clearly explain the AI and voice features, so read it before you link a bank or say your finances out loud to your phone. iPhone only, iOS 18 or later, with a seven-day trial before a renewing subscription.
Read full NoteNote published Oct 13, 2026
Keep a loan record you can trust
For money that has already changed hands, where the history matters more than any forecast.
Loan Manager & Debt Tracker
Why it belongs here
Lend someone money and the hard part comes months later, when nobody quite remembers what was paid back. Loan Manager & Debt Tracker keeps borrowers, agreements, repayment plans and payments together on an iPhone or iPad. Its best idea is how it handles mistakes: a wrong payment is reversed with a negative entry and a reason, so the original stays in the history. Records stay on the device with no account, which means backups are your job; the developer says lost local records can't be recovered without one. The free version covers two borrowers and three loans. Its calculations weren't tested for its Note.
Read full NoteNote published Oct 10, 2026
Check a trading rule before the next session
One fiddly calculation, done in the open so you can follow the working.
Prop Firm Consistency
Why it belongs here
If your prop firm caps your best day at 40% of period profit, a $1,800 day inside $4,800 of profit passes at 37.5%. Add a losing day and the answer moves. Prop Firm Consistency does that arithmetic in the browser and prints the working under the result. Presets cover 97 plan rules across 22 firms, including Topstep and FTMO, each linked to the firm's own help page and checked on October 12, 2026. Firms change their rules, so open the source before you rely on a preset. It's free, needs no signup, and can't tell you whether a payout will be approved.
Read full NoteNote published Oct 28, 2026
How these projects were chosen
Every pick has a published Project Note, and each does a different job, so the groups follow those jobs instead of ranking one tool against another. The Notes draw on each project's public pages, store listings, documentation and privacy policy. Where a Note couldn't check something, such as a tool's math or a live bank connection, the entry says so. Popularity, sponsorship and clicks play no part in what's included or in the order. None of this is financial advice.
For freelancers and tradespeople who send their own invoices, anyone whose income arrives on unpredictable dates, people keeping track of money they've lent or borrowed, and traders working toward a prop firm payout.
A review can leave the picks as they are. When a published selection or its guidance changes, a short note here explains why.