Catch shortfalls
before payday.
Reconcile taxes on autopilot.
Loomstead is the 24/7 house for the freelancer, contractor, creator, consultant, and gig earner raising a household on income that arrives whenever clients pay. One dashboard. Four AI agents. The tax-season panic gone for good.
Want a longer walk-through first? Email us.
Freemium. Pro runs $10/mo for the first year, then $14/mo — under QuickBooks Solopreneur, with the irregular-income forecasting they don’t offer.
- Read-only bank connections
- Schedule C, derived
- Mint’s old job, picked up
- Pre-payday shortfall alerts
This week · Aug 4 – 10
Household view
Net in
$3,420
Stripe, Venmo
Bills
$2,180
4 queued
Runway
11 days
vs 14 normal
Cash-flow forecastnext 14 days
- Mon
- Tue
- Wed
- Thu
- Fri
- Sat
- Sun
AI nudge
Tuesday after next is tight. Daycare auto-pay ($1,180) hits before your $1,400 Acme retainer lands. Grocery run has been moved to Wednesday so Tuesday clears — you’ll be back to $820 of headroom by Friday.
Pricing
Under QuickBooks.
Above the panic.
Free covers a quiet month. Pro turns on the four agents, the pre-payday shortfall alerts, and every connector. Family adds a shared household viewer for a co-parent or partner.
Free
Pro
Pro · Launch Edition
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Reading the print run…
Family
Talks to the platforms you already run on
- StripeConnect & payouts
- PayPalMass payments & goods
- SquareCard-present & invoices
- EtsyShop deposits
- UpworkMilestone contracts
- VenmoProfile & business
- ACHDirect clients
- Bank syncRead-only
How it works
One dashboard. Four agents.
Zero March panic.
Most tools split the work across an accounting app, a budget product, and a tax spreadsheet. Loomstead replaces all three with an always-on crew that talks to each other, so the numbers don’t drift.
- 01
Connect once, in five minutes
Link your bank (read-only), your invoicing tools, and the platforms clients actually pay through. We never move money.
- 02
Four agents take the night shift
One reconciles deposits. One classifies Schedule C. One runs quarterly estimates. One projects next week’s bills against next week’s income.
- 03
Wake up to a household view, not a list
Daycare, groceries, mortgage, savings, tax — one column. The only question answered: can the week pass?
- 04
A nudge, days early, when the answer is no
A delayed retainer triggers an automatic reschedule: which bills are safe to pay now, which autopay to pause for 48 hours.
Today’s reading
Same week. Three households.
Three different answers.
Irregular income isn’t one job — it’s three jobs behind a kitchen table. Loomstead reads it like a household ledger, not a bank feed.
Pre-payday shortfall alert
The Thursday everything was about to break.
A delayed client payment at 11 a.m. auto-reschedule a pediatric copay, hold the grocery run, and move your Acme retainer into paying for itself — all before you put the lunchboxes by the door.
Monday, 9:42 a.m.
Move grocery run
Drift $220 from Tuesday to Wednesday. Daycare clears first.
Hold electric auto-pay
Pause the $185 payment until Friday. Notify provider.
Ping late client
Send a friendly nudge to the client whose retainer is 3 days late.
Your runway, after the reschedule: back to +$820 of headroom by Friday.
Want alerts like this?Features
The Mint-style one-glance view, crossed with invoicing.
QuickBooks Solopreneur handles the books. PocketSmith forecasts. YNAB aligns spend to an envelope. None of them do all three for an irregular-income household with kids.
One household view
Daycare, mortgage, school fees, groceries, and tax — all on the same column so the only question is whether the week passes.
Income forecasting that handles gaps
Reads Stripe, PayPal, Square, Etsy, Upwork, Venmo, ACH clients, and your bank. Models a quiet week before payday, not the average.
Schedule C, derived
Each deposit is proposed against Schedule C categories as it lands. You confirm with one tap; teardown becomes a tax line.
Quarterly tax vault
A separate line item with its own subaccount. Set aside 25–30% per gig, sweep the surplus in. Q1, Q2, Q3, Q4 are not surprises.
Pre-payday shortfall alerts
Three weeks of pacing projected against the next two weeks of bills. The alert fires in plain language, with a reschedule already drafted.
Tax season becomes an export
Upload to your CPA, or hand it to your Schedule C software. March becomes the cleanest week of your year.
FAQ
Honest answers
to the obvious questions.
More in the long form — write to us. Real person, real address, real response window.
One last nudge
The next short Tuesday
doesn’t have to be a surprise.
Get on the early-access list. The first 1,000 self-employed parents skip the line and lock in the launch price.