LootFlows
Interactive Cashflow Forecasting & Smart Debt-Optimisation Platform
The Ultimate Freelancer Financial Cockpit
Designed specifically for freelancers, sole traders, and Construction Industry Scheme (CIS) subcontractors, LootFlows removes the guesswork from self-employed finances. By linking your work calendar directly to your bank account forecast, it answers the three critical questions: Am I safe? Am I saving enough for taxes? How fast am I escaping debt?
Core Capabilities
🏛️ HMRC Tax Liability & Savings Reserve Gauge
Never face a tax-bill surprise. Calculate your estimated Self-Assessment and Class 4 National Insurance liabilities dynamically as you earn, and compare it in real time against your actual savings reserve balances.
🧯 The "Income Shock" Emergency Cash Runway
Map out exactly how long your current liquid and emergency funds can hold out if incoming work drops to zero. Get a precise date for your cash floor safety margin.
⚡ Smart Debt Sweeper Progress Tracker
Escape card debt using modeled payoff paths. Track balances across Snowball and Avalanche algorithms while managing promotional 0% Balance Transfer expiration deadlines seamlessly.
📊 52-Week Cumulative Cashflow Projector
Forecast future weekly account balances. Factor in recurring expenses, ad-hoc outlays, tax-free allowances, and manual work weeks to foresee dips before they happen.
🚜 Work-Week Booking Density Indicator
Review scheduling utilization stats over 12-week and 26-week views. Get active warnings for consecutive unbooked weeks presenting cash flow risks.