Built for income that doesn't arrive on a schedule
Smallmoves started as an internal spreadsheet for tracking irregular invoices and grew into a dedicated risk modelling tool for freelancers and independent consultants. Here's how we think about the problem.
Why we built this
Most financial planning tools assume a predictable paycheck landing on the same date every month. That assumption breaks down quickly for anyone invoicing clients, running project-based work, or earning commission. Gaps between payments, seasonal demand swings, and delayed invoices all create a different kind of risk — one that standard budgeting apps weren't designed to model.
Smallmoves was built around a simpler premise: treat variable income as the normal case, not the exception. Instead of forcing irregular earners into templates made for salaried employees, we built a model that adapts to the shape of your actual cash flow.
What we're trying to do
Our goal is straightforward: give people with variable income a clearer, more honest picture of their financial risk — one that updates as their earnings do, rather than one built on assumptions that don't apply to them. We're not trying to replace an accountant or a financial advisor. We're trying to fill the gap before those conversations happen, so decisions about savings, taxes, and spending are grounded in an accurate model of what's actually coming in.
How we approach the work
Model reality, not averages
Smoothing out irregular income into a single average number hides the risk that actually matters. We build around the variance, not around it.
Transparency over black boxes
If a risk score changes, you should be able to see why. We favor explainable logic over opaque predictions that users have to take on faith.
Useful before polished
We'd rather ship a feature that solves a real problem plainly than add complexity for its own sake. Simplicity is a design choice, not a shortcut.
Who's behind Smallmoves
Smallmoves is run by a small, focused team with backgrounds in financial tooling and independent contract work ourselves. That dual perspective — building software and actually dealing with inconsistent invoices — shapes most of the product decisions we make. We stay deliberately small so the product stays close to the people using it.