For freelancers, contractors, and small crews
Run your business,
not your books.
Never get surprised at tax time. Built for the freelancer, contractor, or small crew who didn’t start a business to become an accountant. And you shouldn’t have to change the way you already work.
No credit card. No email required to see your assessment report. $9/mo when you’re ready to subscribe.
A year in numbers for a sample freelancer
running loose
with Savi Tools
Pricing
Pick the tier that fits the size of your operation.
Every tier supports every feature in your language. Every tier includes a free seat for your accountant.
Solo
Everything you need to run a one-person business.
- Expense Tracking with OCR Receipt Scanning
- Mileage Tracking with GPS
- Invoicing & Client Management
- Time Tracking & Project Management
- Fixed-Fee Project Billing
- Money Owed: Contractor Bill Tracking
- Revenue, Cost & Profitability Reports
- Tax Set-Aside Calculator
- Personal Goals & Scoreboard
- Business Glossary
- Forms Library
Growth
Add your team, approvals, and deeper insights.
- Everything in Solo
- Team Management (1 group, up to 4 members)
- Team Time Tracking & Billable Rates
- Expense, Mileage & Time Approval Workflows
- Savi Tips
- Team Goals
- Location-Based Sales Tax Lookup
- Expanded Business Glossary
- Expanded Forms Library
Team
Sync your books and scale without limits.
- Everything in Growth
- Live Bank Feeds: Automatic Transaction Import
- Accounting Software Sync (QBO, Zoho, FreshBooks, Xero)
- Company Outcomes & Team Scoreboard
- Unlimited Team Members & Groups
14-day free trial. No credit card to start. Cancel anytime. Your data exports cleanly.
Start here completely free
Three questions every newly self-employed person needs answered.
No signup. No email. No credit card. Five minutes each, a real answer at the end.
Am I ready?
A 5-minute readiness assessment scored across taxes, legal, financial, and operations. Find out where you’re solid and where the gaps are, before April finds them for you.
Take the assessment →What should I charge?
Plug in your income goal, your role, and your location. Get an hourly rate anchored to BLS wage data and your local cost of living. Stop guessing and stop undercharging.
Calculate my rate →How do I register?
Pick your state, your business structure, and your industry. Get a personalized checklist of every filing, license, and account you need in the order you need them.
Build my checklist →The cost of running loose
The dollars you don’t see until you see them.
Four things that quietly cost first-year freelancers money.
None of these are your fault. All of them are fixable.
Mileage not tracked
$1,740 / year
200 business miles a month, untracked, is $1,740 a year forfeited at the 2026 IRS standard rate of $0.725 per mile.
The fix: log every business trip. A notebook works; an app is better.
Personal and business funds mixed
$150-$300 / hour
Running business money through your personal account creates audit-trigger risk and bills you in CPA cleanup hours at year end.
The fix: a separate business checking account, used exclusively for business. The “Am I ready?” assessment flags this as a gap if it applies to you.
No quarterly set-aside
IRS penalty
The IRS charges an underpayment penalty when your withholding falls short of the safe-harbor thresholds, even if you pay in full at filing.
The fix: calculate a set-aside in January, hold it back in a separate savings account, pay quarterly.
Receipts not captured
$25-$35 per $100
Every $100 of un-captured business expense quietly costs about $25 to $35 in tax depending on your bracket. If you can’t show the receipt, the IRS won’t let you claim the deduction.
The fix: photograph receipts at the register. An organized digital folder is enough; a tagged app is better.
Stay in the part of the business you actually love. Take the 5-minute assessment →
Figures shown are factual benchmarks and illustrative examples, not predictions about your tax liability. See the full Truth-in-Tax disclaimer.
How Savi Tools works
You don’t have to become an accountant. You don’t have to change the way you work with an accountant either.
Savi Tools fits around what you already do. One place for the records you’d otherwise lose, in plain English instead of a chart of accounts, on the web and in the new iOS and Android app.
Mileage
Auto-detect every business trip.
The iOS and Android app detects your drives in the background and logs each one by GPS, with no button to remember. Choose the IRS standard rate or the actual-expense method; every business mile lowers your tax set-aside.
Receipts
Snap a photo. OCR fills in the rest.
Photograph any receipt and OCR auto-fills the vendor, date, amount, and category. Categorize on the fly, track deductions, and export everything at tax time.
Invoices & clients
Invoice clients. Revenue flows to your tax estimate.
Generate professional invoices, track who has paid and who has not, and watch revenue land in your running tax set-aside automatically.
Time & projects
Bill by the project or by the hour.
Track time against projects and bill fixed-fee with milestones or time-and-materials. See profit by client and by job, not just one lump number.
1099s & W-9s
Track contractors. Collect W-9s. Prep 1099s.
Record what you owe contractors, collect their W-9s through a secure link, and reach January with everything a 1099 needs already in one place.
Bank & sync
Import transactions. Sync your books.
Connect a bank through Plaid or upload a CSV or PDF statement and Savi Tools categorizes it for review. Team plans sync both ways with QuickBooks Online, Xero, FreshBooks, and Zoho Books.
Tax set-aside
Always know what to hold back.
Every dollar of income raises your set-aside; every deductible expense and logged mile lowers it. A full quarterly breakdown means tax time is never a surprise.
Reports
The numbers you actually use.
Revenue, cost, and profit by client, by month, by trade, in plain English instead of a chart of accounts. Clean export the moment your accountant asks.
Nonprofit mode
Built for nonprofits too.
Switch to nonprofit mode for functional-expense tracking across program, management, and fundraising, cash and in-kind donation receipts, the charitable mileage rate, and a 990 planner that points to the right form and deadline.
The accountant relationship
Your accountant gets a free seat.
Accounting software is for accountants. Savi Tools is for you.
Your accountant logs in with their own credentials and sees a clean digital shoebox: invoices, mileage, receipts, all tagged and exportable. They stop doing archaeology. You stop dreading the email in late March.
We don’t replace your accountant. We just make their job five hours shorter and yours easier the rest of the year.
“Accounting software assumes you’re an accountant. Savi Tools assumes you’re not.”
Founder, Anthony W. Plaster
If you’re an accountant: visit the Savi accountant program →
Privacy by Design
Built with Privacy by Design from day one.
Privacy by Design is an engineering principle, not a marketing line. Four things we built in, on purpose, to back it up.
Your data is tenant-isolated at the database layer.
Not just at the app layer. Other Savi Tools customers cannot see your data, even in theory.
Encrypted at rest and in transit in Microsoft Azure.
Every receipt, invoice, and expense, protected both where it’s stored and as it moves. Industry-standard cryptography, applied uniformly.
Your accountant’s free seat is scoped to your tenant.
They can see your data and only your data. The seat is free; the boundary is hard.
No bank affiliates. No referral kickbacks.
The advice we publish is the advice we’d give a friend. We don’t take a cut from any financial institution.
Available in nine languages. English · Spanish · Chinese (Simplified) · Tagalog · Vietnamese · Arabic · French · Portuguese · Italian. All tiers, including your accountant’s free seat.
Common questions
The questions most people ask first.
Savi Tools is a subscription app for the newly self-employed: freelancers, contractors, trades, and small crews. It tracks your expenses, mileage, invoices, and time, shows a running tax set-aside, and hands clean books to your accountant, so you can run your business, not your books. Plans start at $9 a month.
Accounting software assumes you're an accountant. Savi Tools assumes you're not. QuickBooks, Xero, and FreshBooks are accounting platforms built for accountants and bookkeepers, with a chart of accounts and a learning curve. Savi Tools is built for the person doing the actual work of the business: plain-English categories, one screen for what matters today, and guardrails instead of jargon. On the Team plan it even syncs to QuickBooks, Xero, FreshBooks, or Zoho Books, so your accountant keeps the platform they prefer while you keep the simple view.
No. Savi Tools shows you what to set aside during the year, keeps your records organized, and hands clean data to your accountant. Your accountant calculates your actual tax liability and files your return. See the Truth-in-Tax disclaimer below for the full breakdown of what the set-aside covers.
Yes, on the Team plan. Connect a bank account through Plaid or upload a CSV or PDF statement, and Savi Tools imports and categorizes your transactions for review. It also syncs both ways with QuickBooks Online, Xero, FreshBooks, and Zoho Books: invoices, expenses, and mileage flow out, changes flow back, and conflict detection makes sure nothing silently overwrites your books. Solo and Growth plans keep manual entry with receipt scanning.
Yes. Every plan includes a free seat for your accountant, scoped to your data only. They log in with their own credentials and see a clean, exportable record of your invoices, mileage, expenses, and receipts, and on the Team plan, your chart of accounts and sync controls.
Yes. On every plan you can bill fixed-fee projects with milestones or track time and materials, and keep tabs on the money you owe to contractors. The Growth plan adds team members, approval workflows for time and expenses, and shared team goals.
Yes. Switch to nonprofit mode and Savi Tools tracks functional expenses (program, management, and fundraising), issues cash and in-kind donation receipts, applies the charitable mileage rate, and includes a 990 planner that suggests a form (990-N, 990-EZ, 990, or 990-PF) and estimates your filing deadline. The planner is a starting point based on what you enter; your accountant confirms your organization's actual filing requirement.
Yes. The Savi Tools mobile app is in early-access beta for subscribers on iOS and Android. It auto-detects your mileage by GPS so business trips log themselves in the background, captures receipts by photo, and puts your tax set-aside and dashboard in your pocket. A public release on the App Store and Google Play follows.
No. The "Am I ready?" assessment, the rate calculator, and the business registration checklist are all free and require no signup. A 14-day Solo or Growth trial is also free, requires no credit card to start, and you can cancel anytime.
Nine, on every plan, including the accountant's free seat: English, Spanish, Chinese (Simplified), Tagalog, Vietnamese, Arabic, French, Portuguese, and Italian. Language is never gated behind a paid tier.
You export it cleanly, CSV for transactions, mileage, and invoices, and PDF for reports, and you can cancel anytime. You leave with everything; we keep nothing.
Find out where you stand in five minutes.
The “Am I ready?” assessment scores your readiness across taxes, legal, financial, and operations and tells you what to fix first. No email required. No credit card.
Take the assessment →5 minutes · 4 categories · 1 score · 100% free