Connect or enter income
Connect eligible financial accounts or record client payments and business activity manually.
cıquentaKnow what’s really yours to spend. Built for freelancers and 1099 workers
Know how much of your money is actually yours to spend.
Ciquenta tracks freelance income and business expenses, estimates the taxes you may need to reserve, and gives you one clear number: Safe to Spend.
Your money stays in your existing accounts. Ciquenta does not hold your funds.
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Example paymentClient ABC
+$5,000
Estimated tax reserve− $1,350
Safe to spend$3,650
Illustrative estimate. Actual taxes vary by your situation.The problem
Freelancers get paid gross. Life gets paid net.
When a $5,000 payment hits your account, the full $5,000 is not necessarily available to spend. Unlike a traditional paycheck, taxes often have not been withheld yet. Ciquenta helps make that invisible obligation visible before tax time.
How it works
From gross income to one useful number.
We estimate your taxes
Ciquenta factors in self-employment tax, federal brackets, filing status, W-2 income, and your state estimate.
See what is safe to spend
Your dashboard subtracts an estimated tax reserve from eligible cash to show a planning amount.
See the full workflow
From connecting an account to understanding where your money goes.
Watch Ciquenta connect sample accounts through Stripe, organize transactions, categorize expenses, track income, surface spending trends, and calculate Safe to Spend.
ciquenta.comLive preview
Connect your bankConnect an account
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Connect your financial accounts
Securely connect checking and savings so Ciquenta can organize your activity.
Ciquenta never receives your bank password.Connect your bank
Clarity at a glance
Your bank balance is not the same as your spending money.
How much of that can you safely spend after taxes?
Not clear yetConnected cash$8,000
Estimated tax reserve− $2,100
Safe to spend$5,900
Customer story“Ciquenta keeps me honest.”Freelancer
Why it matters
Your bank balance can make it too easy to spend your tax money.
“Before Ciquenta, I’d look at my bank balance and think all of that money was mine to spend. Then tax season came around. Ciquenta keeps me honest. It estimates what I may need to reserve for taxes and, more importantly, what may be safe for me to spend.”
Payment$5,000−Estimated tax reserve$1,350=Estimated Safe to Spend$3,650
Illustrative scenario, not a real customer testimonial. Tax estimates are for planning purposes and vary by individual situation.Everything works together
From transactions to a number you can actually use.
Business Checking$8,750
Personal Savings$3,650
Connected accounts
Bring eligible account balances and transaction activity into one view.
AdobeSoftware
UberTravel
Expense categories
Review and organize business spending so your picture stays accurate.
Client ABC+$5,000
Consulting+$2,850
Income tracking
Separate independent income from expenses and other account activity.
Estimated reserve$2,840
Estimated tax reserve
See a planning estimate for money you may need to keep aside for taxes.
Spending insights
See where money goes with clear category breakdowns and visual trends.
Safe to spend$9,560$12,400 cash − $2,840 reserve
Safe to Spend
Turn connected cash and your estimated reserve into one useful number.
Designed around your trust
Connect your financial picture without moving your money.
Ciquenta uses Stripe Financial Connections to help connect supported financial accounts. Your money stays at your financial institution, and Ciquenta does not hold your funds.
Ciquenta does not ask you to type your bank password into Ciquenta Connections are used to bring supported financial data into your dashboard Your underlying funds remain with your financial institution
How Ciquenta protects your data Your bank
stripeStripe
CiquentaBuilt for independent income
When taxes are not automatically withheld, clarity matters.
Freelancers
Keep client income, business expenses, and your estimated tax reserve in view.
Consultants
Understand what may remain available after accounting for an estimated tax reserve.
Creators
Organize irregular income and expenses without treating every deposit as spendable cash.
1099 workers
Turn variable independent income into a clearer day-to-day money picture.
Interactive product tour
Launch interactive demo See the numbers make sense before you connect anything.
Explore Ciquenta with fictional sample data. See how connected cash, business activity, Tax Reserve, and Safe to Spend work together—no signup or bank connection required.
Built for independent income
Track client payments, deductible business expenses, and tax payments in one place.
Non-custodial by design
We help you plan your money without requiring you to move it into a Ciquenta account.
Clear, not complicated
No accounting dashboard overload. The product centers on the question you actually need answered: what can I spend?
Questions, answered
Know what Ciquenta does before you connect.
Is Ciquenta a bank?
No. Ciquenta is a financial planning and money-clarity product. It does not hold your funds.
Does Ciquenta move my money?
No. Your money remains in your existing financial accounts. Ciquenta uses connected financial information to help calculate and explain your financial picture.
How does Ciquenta connect to my accounts?
Ciquenta uses Stripe Financial Connections to connect supported financial accounts and import eligible financial data.
Can I change a transaction category?
Yes. You can review and update transaction categories so income and business expenses reflect your situation more accurately.
How is my tax reserve estimated?
Ciquenta uses information such as independent income, eligible business expenses, filing information, and applicable tax assumptions to create a planning estimate. It is not tax advice.
What does Safe to Spend mean?
Safe to Spend is connected eligible cash minus your current estimated tax reserve. It is a planning number, not a guarantee that every dollar is available for every obligation.
Your money stays yours.Ciquenta is non-custodial and designed to give you clarity—not to become your bank.
Your next payment should not come with a tax surprise.
Create a free account and get your first estimated Safe-to-Spend amount in minutes.
Create free accountCiquenta on mobile
Take your money picture with you.
Scan the code for your device to open Ciquenta in its app store.
