SavingsRace

A social savings app where friend groups compete to hit savings goals together.

finance

Target User

Young adults who want to save money but lack motivation

Core Action

Create a savings challenge with friends, track progress on a leaderboard

Business Model

Free app, earn interest margin on held savings ($0.50-1/user/mo)

Based on Qapital / Digit

Social competition makes saving feel like a game, not a chore

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BudgetDate

A date planning app that finds romantic activities within your budget in your city.

finance

Target User

Couples who want fun dates without breaking the bank

Core Action

Set your budget and location, get curated date night ideas with reservations

Business Model

Free with affiliate revenue from restaurant and venue bookings

Based on Yelp / The Infatuation

Budget-first date planning — starts with what you can spend, not what's nearby

FreelanceRate

A market rate calculator for freelancers based on skill, location, experience, and project type.

financetools

Target User

Freelancers who don't know what to charge and are afraid of pricing too high or low

Core Action

Enter your skill, location, and experience level, see the market rate range with benchmarks

Business Model

Free basic rate check, $7.99/mo for detailed market reports and rate tracking

Based on Glassdoor / Bonsai

Freelance-specific rates by project type, not full-time salary data divided by hours

FreelanceTax

A tax prep tool specifically designed for freelancers that auto-categorizes expenses and estimates quarterly taxes.

finance

Target User

Freelancers and gig workers who dread tax season

Core Action

Connect your bank account, see estimated quarterly taxes and deductions in real-time

Business Model

SaaS — $15/mo or $99/year

Based on TurboTax / QuickBooks Self-Employed

Built exclusively for freelancers — understands 1099s, home offices, and variable income

InvoicePay

A tool that lets freelancers offer clients pay-by-installments on large invoices without credit risk.

finance

Target User

Freelancers with clients who want to pay large invoices in installments

Core Action

Send an invoice, client splits payment into 3 installments, you get paid upfront

Business Model

3.5% fee on installment invoices, freelancer gets full amount immediately

Based on FreshBooks / Afterpay

Buy-now-pay-later for B2B invoices — freelancer gets paid immediately, client pays over time

InvoiceReminder

A tool that sends polite automated payment reminders to clients with escalating urgency.

finance

Target User

Freelancers and small businesses chasing overdue invoices

Core Action

Set up reminder sequences for unpaid invoices, they escalate automatically over time

Business Model

Free for 3 clients, $8.99/mo unlimited with custom templates and payment links

Based on FreshBooks / Harvest

Automated escalation sequences — from friendly nudge to formal notice, hands-free