1 Intake & sorting
Every dollar that comes in gets routed to one of five accounts the moment it lands, so business money and personal money never touch.
For freelancers • solo entrepreneurs • single-member LLCs
Five accounts. One hour a month. No more guessing what's yours to spend.
Solo Method splits every dollar that comes in across five purpose-built accounts, so you always know what's safe to spend, you pay yourself the same amount whether it was a big month or a slow one, and your tax money is already waiting when the bill comes.
60-minute monthly check-ins
Simple workflows you reuse
Built for real solo businesses
Know what's safe to spend
Stop using your bank balance as your budget.
Stop using your bank balance as your budget.
Pay yourself consistently
Use an Income Stabilizer workflow for uneven revenue.
Use an Income Stabilizer workflow for uneven revenue.
Stay tax-ready year-round
No more "January panic spreadsheet."
No more "January panic spreadsheet."
A simple workflow you can run every month.
Solo Method is designed to help you set up a clean financial routine: separate money flows, stabilize owner pay, and keep taxes handled—all in a way that fits solo life.
2 Income Stabilizer
A good month funds the slow one. Ten percent of everything you earn goes into a buffer account, and your paycheck comes out of that buffer instead of straight from your latest invoice — so your pay stays the same even when your income doesn't.
3 Monthly check-in
In under an hour: review, categorize, reconcile, and get a snapshot that actually tells you something.
What's inside Solo Method
Everything you need to run finances like a pro—scaled down for one person.
Core System
- Income intake and distribution
- Expense control (without overcomplication)
- Owner pay workflow
- Tax set-asides and reminders
- Monthly finance checklist + review prompts
Walkthroughs + SOPs
- Bank + credit card setup guidance
- Invoicing + deposits workflow
- Categorization & reconciliation routines
- "Am I allowed to spend this?" decision framework
- Tax-ready document organization
Built for the "it's just me" business.
If you're a freelancer, consultant, creative, coach, or service provider—Solo Method helps you build finance systems once and reuse them forever.
Perfect for
Freelancers • contractors • consultants • single-member LLCs • service businesses • side hustles going full-time.
Not ideal for
Payroll-heavy teams, inventory businesses, complex accrual accounting, or anyone wanting "advanced accounting theory."
Why it works
You don't need more software. You need systems that tell you the truth—fast.
Access options
Start with the free Starter version to get organized, or upgrade to Pro for real-time insights and automated alerts.
Solo Method Starter
$0Free forever. No card required.
A clean starting point to get organized and understand the system.
Free
- Setup tab (business profile + Relay account naming)
- Calculator tab (bucket % + transfer amounts)
- Workflow tab (weekly/monthly/quarterly checklists)
- Rules templates + Export tab (JSON backup)
Solo Method Pro
$29/monthCancel anytime.
Real-time insights + automated alerts for your Relay accounts.
$29/mo
- Everything in Starter, plus:
- Connect Relay via Plaid
- Insights tab (Prepare to Profit stats)
- Automated alerts (tax vault, essentials %, runway)
- Uncategorized spend cleanup tools
FAQ
Quick answers for the common "but what about…" questions.
Do I need accounting software?
No. Solo Method focuses on workflow first. You can apply it in simple tools or accounting software—whatever fits your business stage.
How long does setup take?
Most people can set up the basics in an afternoon, then run monthly check-ins in under an hour once the system is in place.
Is this for cash-based businesses only?
It's best suited for cash-based freelancers and solo service businesses. If you have complex accrual needs, you may need additional support.
What's the difference between Starter and Pro?
Starter gives you all the manual tools and workflows (free forever). Pro adds Plaid integration, real-time insights, and automated alerts to help you stay on track effortlessly.
Is my bank data safe?
Pro connects to your Relay account through Plaid, the same service used by most major banking apps. The connection is read-only — Solo Method can see your balances and transactions but cannot move, transfer, or withdraw a single dollar. We never see or store your banking login. You can disconnect at any time and access stops immediately.
What if I'm already behind on my bookkeeping?
That's most people who start here, and it's fine. Solo Method starts from today, not from January. You set up your five accounts, start splitting income as it comes in, and build the habit forward. Cleaning up the past is a separate job — this stops the mess from getting worse first.
What happens to my setup if I cancel Pro?
You keep everything. Your accounts, percentages, workflows, and checklists all stay — you drop back to the free Starter version and lose only the live bank connection, automatic insights, and alerts. Your money stays organized either way.
I've tried budgeting systems before and quit. Why is this different?
Most budgeting fails because it asks you to track every expense after the fact. Solo Method decides where money goes before you spend it, using separate accounts as the guardrail. You don't need willpower to avoid spending your tax money if your tax money is sitting in an account with no card attached to it.
Your tax money should not live in your checking account.
Set up your five accounts in an afternoon. Run the check-in in under an hour a month. Free to start, no card required.