For freelancers: One account for everything, one clean year at the end.
Most freelancers run the business through the same account they buy groceries with. Bankflow reads those statements, tags what belongs to the business, and leaves you with a year of deductible expenses and client income you can hand over without a weekend of highlighting.
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- Tag business vs personal
- Receipts from phone photos
- Year-end in one export
The business and the life share a statement.
A freelancer's statement is a mix: client payments at irregular intervals, a software subscription between two grocery runs, a train ticket that was for a client and one that was not. None of it is labelled, and the split only matters once a year, which is exactly why it never gets done as it happens. So in April someone sits down with twelve PDFs and a highlighter, trying to remember what a charge from last July was for. The fix is not more discipline. It is marking the pattern once, so the same supplier is sorted the same way every month without anyone thinking about it.
How it works
How a freelancer's year gets sorted as it happens
- 01
Upload the account you actually use
Current account, credit card, the savings pot. Each statement is read into transactions with its opening and closing balances checked against the rows, so a missing page shows up now, not at year-end.
Imports still running are counted here; finished statements sit in the library below. - 02
Tag what belongs to the business
Select the software, the coworking day, the client travel, and tag them in one go. Tags such as #business, #tax-deductible, or #reimbursable sit beside the category, so a train fare can be Travel and deductible at once.
Several transactions selected at once, with the category picker open for all of them. - 03
Make the tagging automatic
Turn a tagged transaction into a rule. The next statement's Adobe charge, or the next payment from a regular client, is tagged on arrival, and the rule can run back over the months already imported.
The rules column counts what each category matches on its own. - 04
Hide the personal side from the totals
Exclude transfers between your own accounts and personal spending from cash flow totals. They stay in the ledger for the record, but stop inflating what the business earned or spent.
- 05
Export the year for your return
Filter to the tax year, export to Excel or CSV with the category and tag columns included, and give your accountant, or your own tax software, the business side already separated.
Built for an account that does two jobs
Tags beside categories
A transaction has one category and any number of tags, so deductible, reimbursable, and client-billable can all be marked on the same line.
Rules that remember
Include phrases, exclude others, scope to a merchant, and apply the rule to future statements and to your history in one click.
Exclude without deleting
Personal spending and transfers between your own accounts can be kept out of the totals while staying in the ledger.
Receipts from your phone
Photograph a receipt and its vendor, date, taxes, and total are read out beside the original, ready to export with the rest of the year.
Folders for each side
Group statements into folders, one per account or one per side of the work, and read each on its own.
Income you can account for
Recurring payers are detected from the statement, so regular client income is easy to separate from one-off payments and refunds.
FAQ
Common questions
Does Bankflow tell me what is tax deductible?
No. What counts as deductible depends on your country and your situation, which is a question for your accountant or tax authority. Bankflow gives you a fast way to mark what you decide is deductible, and to keep marking it consistently.
I use one personal account for everything. Is that a problem?
That is the case this page is written for. Tag the business side and exclude the personal side from totals; nothing has to be moved or deleted, and the full statement stays in the ledger.
Can I include receipts and invoices, not just statements?
Yes. Invoice and receipt PDFs and phone photos are read into vendors, line items, taxes, and totals, and can be exported as CSV, Excel, or JSON alongside the statement data.
My income is irregular. Does that break anything?
No. Transactions are read from the statement whatever their rhythm. Regular payers are picked out as recurring where they are regular, and everything else is simply income, categorized like any other line.
Which banks does it work with?
Bankflow reads the statement file, not a bank connection, so any bank's PDF, CSV, or Excel statement can go in without choosing a template. Scanned and password-protected PDFs are supported.
How much does it cost for one person?
You can start with 50 free page credits and no card. Paid plans differ only in how many credits they include each month; every plan has every feature.
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Sort this year while it is still this year.
Upload last month's statement, tag the business side, and make the rule that does it for you from here on.