Every feature built around one problem: income that doesn't arrive on schedule.
Smallmoves tracks, models, and adjusts your risk profile in real time — so planning around irregular invoices, delayed payments, and seasonal dips stops being guesswork.
Three systems working together
Each feature in Smallmoves feeds the same underlying model — your risk profile stays current without manual re-entry.
Income Pattern Mapping
Smallmoves ingests your historical invoicing and payment cadence to build a baseline of expected variance, rather than assuming a fixed monthly figure.
Adaptive Buffer Sizing
Recommended cash reserves adjust automatically as new income data arrives, widening during volatile periods and easing off during stable stretches.
Scenario Recalibration
When a contract ends or a client payment slips, the model reruns against updated inputs instead of waiting for a scheduled review.
The modelling engine behind every number
Most budgeting tools apply the same fixed logic whether your income is salaried or project-based. Smallmoves was built the other way around: the modelling engine assumes variability from the start and treats a stable month as the exception, not the rule.
Inputs — invoice dates, payment timing, contract length, seasonal patterns — are weighted against each other continuously, so the risk profile reflects your actual earning rhythm rather than a monthly average that rarely applies to freelance or consulting work.
Because the engine runs on rolling data rather than static snapshots, adjustments happen in the background. There's no quarterly reset or annual review required to stay aligned with how your income is actually behaving.
What you see, and why it's there
The dashboard surfaces the outputs of the modelling engine without requiring you to interpret raw data yourself.
- Visual breakdown of income variance over rolling 30/60/90-day windows
- Buffer recommendations that update automatically, not on a fixed schedule
- Gap window flagging for stretches where payment timing looks uncertain
- Plain-language risk labels instead of raw statistical output
- Historical view of how your profile has shifted over time
Terms used throughout the product
Risk Profile
A composite score reflecting income variability, payment timing, and reserve adequacy at a given point in time.
Adaptive Buffer
The recommended cash reserve, recalculated as new income and expense data is recorded.
Gap Window
A forecasted period where expected inflows are lower than typical, based on current contract and invoice data.
Recalibration Cycle
The interval at which the modelling engine reprocesses inputs and updates the risk profile.
Variance Window
The rolling time period used to measure how much income has fluctuated relative to baseline.
Baseline Income
A reference figure derived from historical data, used as a comparison point rather than a fixed target.
What's included by plan tier
Core modelling is available at every level; depth of detail and recalibration frequency scale with plan.
| Feature | Starter | Standard | Pro |
|---|---|---|---|
| Income pattern mapping | Included | Included | Included |
| Adaptive buffer sizing | Monthly | Weekly | Daily |
| Gap window flagging | — | Included | Included |
| Recalibration cycle | 7 days | 48 hours | 24 hours |
| Historical profile view | — | 3 months | Full history |
Designed around how independent work actually functions
- Project-based invoicing
- Retainer + one-off mix
- Multi-client payment cycles
- Seasonal demand swings
- Net-30 / net-60 terms
- Mixed currency income
See your risk profile before you commit to anything
Configure a baseline profile using your own income pattern — no manual spreadsheet work required.