For income that moves
Irregular income.
Regular confidence.
HighWater sets aside your taxes, counts the bills coming due, and shows what's actually safe to spend until the next check lands. Built for paychecks that don't arrive on the 1st.
Invite-only early access. No spam, just your invite.
Safe to spend until Fri, Nov 6
$7,512
Dashed line: taxes, bills, and buffer. Stay above it.
Held for taxes
$10,568
Next deposit
Nov 6
Six months of bills
$467 a month gets you there by September.
The problem
Money apps assume a steady paycheck.
Lots of people don't get one.
Budgets break
A plan built on your best month falls apart in your slowest one.
Taxes sneak up
Self-employed income means saving for taxes nobody withholds.
Two lives, one account
Personal and business spending get tangled together.
The solution
HighWater plans around the swings.
Know your waterline
Taxes, bills, and your buffer form a line. Everything above it is safe to spend until your next deposit, and HighWater shows the next 60 days.
Taxes set aside, automatically
A share of every deposit is held for the IRS and your state, with quarterly due dates and a business-expense export for your CPA.
Two pockets, one view
Mark each transaction business or personal once, teach a rule, and it stays sorted for tax time.
Bills before they hit
Rent, insurance, phone, subscriptions: counted ahead of time, so a slow week never surprises you.
Goals in your words
An emergency fund, a card at zero, a boat. Set as many as you like and watch the pace each one needs.
Watch the tide rise
Net worth tracked month over month, so you see progress, not just this week's balance.
Keel, your money co-pilot Coming soon
Plain-spoken ideas for a big month or a slow one, from safe to bold. It helps you think; you decide.
Who it's for
Built for income that moves.
Freelancers
Project to project, client to client.
Gig drivers
Paid weekly, by the algorithm.
Commission sales
Feast months and famine months.
Contract pilots & crews
Trip-by-trip pay and gaps between contracts.
Creators
Brand deals, ad revenue, payouts.
Small-business owners
Running a business and a household at once.
Money that rides the waves.
Confident, plain-spoken, and calm about money. Never preachy, never jargon.
Big week. You're over your average. Send the extra to your buffer?
Slow month? Your buffer's got you covered. Breathe.
Great month? Save it for the slow one.
Trust
Your bank password stays with your bank
You connect accounts through Plaid. HighWater never sees or stores your bank login.
Your numbers are yours alone
Every account is private to its owner, and you can download everything HighWater keeps.
Clear about what it is
HighWater gives you information and calculations, not financial, legal, or tax advice.
Early access
Paid in waves? Plan like it.
HighWater is opening to a small group first. Leave your email and we'll send your invite when your spot opens.