Tax comes off the top
Money moves to a separate reserve account you can't spend from by accident. Konna estimates your bracket from last year's filings and nudges the rate when your income shifts.
Built for irregular income
Your invoice cleared. Konna already put the tax aside.
Freelance money arrives in lumps and leaves quietly. Konna splits every incoming payment into tax, a slow month buffer, and what you can actually spend — before you see the balance and get ideas.
No monthly fee for the first year · Works with any bank
Payment received from Halvorsen Studio
$4,200Tax reserve
30% · locked until April
$1,260
Slow month buffer
20% · target 3 months
$840
Spendable
50% · card is live now
$2,100
Three rules, set once, running quietly forever
You decide the percentages on the day you sign up. After that Konna does the boring part every single time money lands.
The buffer fills itself
Set a target of three months of expenses. Konna tops it up on good months and pays you from it on the months a client goes quiet.
What's left is genuinely yours
The number on your card is money with no future claim on it. That's the whole point — spend it without the low background hum of guilt.
People who used to dread April
I had one account for eleven years and no idea which part of it was the tax office's. Now I look at one number and it's the real one.
Mahira RahimMotion designer, four years freelance
August was empty and I didn't panic once. The buffer paid me on the 1st like a boring employer would have.
Diego OzunaCopywriter, Lisbon
Questions people ask before signing up
Do I have to switch banks?
No. Keep your existing account and point clients at your Konna details, or forward payments in yourself. The split runs either way.
What if I need the tax reserve early?
You can withdraw it. Konna asks you to confirm twice and shows what the shortfall does to your estimated bill, then gets out of the way. It's your money.
Does it handle multiple currencies?
Payments in 14 currencies land without conversion. The split runs in the currency received, so a euro invoice builds a euro reserve.
What does it cost after the first year?
$6 a month, or nothing if more than $2,000 passes through in that month. No percentage cut, ever.
Set the rules once. Stop thinking about it.
Opening an account takes about six minutes and a photo of your ID.
Open an account