Uneven income. Steady paychecks.

Untangl'd pulls in what you earn from creator platforms, clients and gig apps, then pays you a regular paycheck with taxes, savings and retirement already set aside.

Join the waitlist See a demo

Built for creators, freelancers and gig drivers who get a 1099 instead of a W-2.

How Untangl'd sorts your income Five income sources (YouTube, brand deals, clients, DoorDash and Patreon) tangle together and come out as five straight lines: taxes 27 percent, paycheck 48 percent, business costs 12 percent, safety net 8 percent and retirement 5 percent. YouTube Brand deals Clients DoorDash Patreon Taxes 27% Paycheck 48% Business 12% Safety net 8% Retirement 5%

Working for yourself shouldn't mean working without a net

No employer is withholding tax, matching a 401(k) or covering a slow month. Most of the money tools out there were built for people with a W-2.

  • 49%

    of gig workers say inconsistent pay is their main worry. Seasonal demand, gaps between contracts and algorithm changes all hit income.

  • 15.3%

    self-employment tax comes on top of income tax, paid in quarterly estimates that are easy to miss.

  • 23%

    of gig workers have access to health insurance. There's no paid time off, sick leave or unemployment cover either.

  • 12%

    save for retirement through any plan. Without an employer, nobody sets it up for you.

  • 10–45%

    of revenue goes to platforms. Fiverr keeps 20%, YouTube 45% of ad revenue and Patreon 10%.

  • 6–8

    software subscriptions for a typical solo creator: email, website, community, payments and checkout.

  • $14.20

    median real hourly pay for platform gig workers once expenses and unpaid waiting, travel and pitching time are counted.

  • 51%

    of creators report burnout from constant publishing, audience demands and crowded channels.

Different work, the same tangle

Drivers, freelancers and creators earn in very different ways. Untangl'd adapts to how your money actually comes in.

What it's like now

  • Ad revenue, sponsorships, memberships and affiliate links all pay out on different schedules.
  • One algorithm change can cut your reach, and your income, overnight.
  • You negotiate brand deals, write invoices and chase late payments yourself.

With Untangl'd

  • Every payout lands in one place and becomes a predictable weekly or monthly paycheck.
  • A platform dependency score shows how exposed you are to any one channel.
  • A simple deal tracker handles contracts, invoices and payment reminders.

Example: a $9,000 sponsorship lands in March. Untangl'd sets aside the tax, tops up your safety net and spreads the rest across the slow months.

Four strands, straightened out

Everything an employer's payroll and HR team would handle, rebuilt for people who work for themselves.

A steady paycheck

Smooth out the highs and lows so your rent doesn't depend on this month's algorithm.

  • Income smoothing

    Choose a paycheck amount and schedule. Good months refill the buffer that pays you in slow ones.

  • All income in one place

    Connect YouTube, TikTok, Patreon, Stripe, Upwork, Uber, DoorDash and your bank.

  • Dry-spell forecast

    See how many months your buffer covers, based on your own earning history.

  • Expense advance

    Cover fuel, equipment or supplies before a payout lands, repaid from your next deposit.

Taxes, handled

No more April surprises or missed quarterly payments.

  • Automatic set-asides

    A share of each payment, usually 25–40%, moves into a separate tax account.

  • Quarterly estimates

    We calculate what you owe and remind you before each IRS due date.

  • Deduction tracking

    Tag business expenses, mileage and home office costs as they happen.

  • Year-end package

    Hand your accountant a clean summary, or file with a partner CPA.

Run the business side

Spend less unpaid time acting as your own accountant, lawyer and sales team.

  • Deal tracker

    Track brand partnerships and client projects from pitch to paid.

  • Contracts and invoices

    Send contracts and invoices from templates, with automatic reminders for late payers.

  • Earnings across platforms

    See revenue, fees and growth for every channel on one screen.

  • Subscription check

    Find overlapping software subscriptions and see what your tools really cost.

Your own safety net

The benefits a job would give you, set up on your terms.

  • Emergency fund

    Build toward 3–6 months of living costs, automatically.

  • Retirement

    Compare a Solo 401(k), SEP-IRA and Roth IRA, and contribute from every payment.

  • Health coverage

    Compare marketplace plans and see what you may qualify for.

  • Time-off fund

    Pay yourself for a vacation or a sick week, so a break doesn't cost you a month.

Set up in an afternoon

  1. Connect where you earn

    Link your platforms, payment apps and bank account. We read your last 12 months to learn your pattern.

  2. Choose your splits

    Start with our suggested percentages for taxes, savings and retirement, then adjust them.

  3. Get paid on schedule

    Pick weekly, every two weeks or monthly. Every deposit is sorted the moment it arrives.

Try it before you sign up

Free calculators

Work out how much to set aside for taxes, what you really earn per hour, and what your software subscriptions cost you.

Open the calculators

Demo dashboard

Explore a year of income for a sample creator and see how Untangl'd turns it into a steady paycheck.

See the demo

Simple pricing

No cut of your income. Ever.

Starter

For getting your numbers straight

$0 / month

  • Tax, hourly pay and subscription calculators
  • Connect up to 2 income sources
  • Quarterly tax reminders
Join the waitlist
Most popular

Steady

For a regular paycheck and automatic savings

$12 / month

  • Everything in Starter
  • Unlimited income sources
  • Income smoothing and paychecks
  • Automatic tax, savings and retirement set-asides
  • Dry-spell forecast
Join the waitlist

Studio

For running a full creative or consulting business

$29 / month

  • Everything in Steady
  • Deal tracker, contracts and invoices
  • Late-payment reminders
  • Year-end package for your accountant
  • Priority access to partner CPAs
Join the waitlist

Prices are placeholders for this prototype.

Get early access

We're building Untangl'd with the people who'll use it. Join the waitlist to get early access and help shape what we build first.