Connect with us

Hi, what are you looking for?

The American GeniusThe American Genius

Business Finance

3 finance apps for freelancers that hate dealing with finances

Finance apps can sound daunting when you’re trying to focus on your specialization, but every freelancer needs to have the best tools at hand in order to succeed.


freelancer finance

Freelancers and entrepreneurs: get your money in order

Creative freedom, the ability to work when and where you want, and the income potential, are just a few reasons why freelancing is such an awesome career field. Despite it’s awesomeness, it can be overwhelming managing everything on your own, and taking over responsibilities that an entire human resources department would usually be responsible for: especially time and finance management.

A lot of freelancers, including myself, like to act as half super hero and say yes to every project in hopes of increasing exposure, experience and of course pay. However, at the end of the day we are just human, and have to admit that managing finance and time isn’t as easy as we’d like. But, thanks to these three finance and time management apps, being half super hero may be possible after all.

1. Payzo

Payzo, is an app that allows freelancers to accept credit card payment for all of their work. Instead of wasting time, energy and effort, on creating a website to accept payments, Payzo offers users the simplicity of their own payment gateway; no coding or developer required. Users take just minutes to sign up, upload their logo, and receive a customized link to give to clients.

When clients visit the link, they are able to send a payment along with payment description seamlessly. Payzo is fairly affordable too; offering free services for freelancers who accept less than $200 in payments a month, they charge a $9 fee for making less than $2000, and $!5 dollars for unlimited transactions.

2. Harpoon

Harpoon, is an app that helps “freelancers set and hit their financial goals.” They assist with Invoicing, revenue goals, expense tracking, scheduling, time tracking and robust analytics reporting. They realize a lot of freelancers don’t have tangible revenue goals, and solve the problem by strategizing and coming up with a customized revenue objective. To help reach each revenue goal Harpoon manages each online payment, work schedule, and revenue schedule amongst other things. They are a little more expensive than Payzo, as they offer more services, coming in at $29 month, but just in case you aren’t ready to drop that much dough, they do offer a free 14 day trial.

Advertisement. Scroll to continue reading.


Pendium is a time and finance tracking resource for collaborating freelancers. When a client pays a team invoice, Pendium ensures that each collaborating freelancer is paid in an even split. It also includes a time tracking feature, bill overview, and invoice creation. The site is still in construction so you and your partners aren’t able to take advantage at this point, however there is a way to sign up and be notified when they do launch.

Thanks to Payzo, Harppon and Pendium, our dreams of being half super hero, are now possible. Whether you struggle with time management like me, or have a hard time invoicing appropriately, these apps are awesome solutions to your time and finance management needs. Take a look at your own personal situation, and see which resource is the best for you.


Written By

Lauren Flanigan is a Staff Writer at The American Genius, hailing from the windy hills of Cincinnati, with a degree in Marketing from the University of Cincinnati. She has escaped the hills, and currently resides in Atlanta, where you can almost always find her camping at a Starbucks strategizing on how to take over the world.



  1. Ryan Battles

    November 9, 2015 at 9:13 pm

    Thanks Lauren for the write-up! As freelancers ourselves (at Harpoon), we were frustrated with the ups and downs of freelance income… we built Harpoon to help freelancers know how they stand compared to a yearly goal, and know when a kick in the pants is needed, as well as a well-deserved break!

    I’ve been a follower of The American Genius for a while now, so I was excited to stumble across our mention here in this article! Keep up the great work.

    -Ryan Battles
    Co-founder of Harpoon

    • Lauren Flanigan

      January 15, 2016 at 11:23 pm

      Thank you so much for reading!!!!! I’m sorry for such a late response, but I am grateful nonetheless. Thank you also for following American Genius. You too, keep up the great work.

  2. Irene

    November 11, 2015 at 3:17 am

    Very useful article. I am particularly interested in Payzo, but it seems the service has been discontinued. Is there another similar payment app you recommend?
    Thank you.

    • Lauren Flanigan

      January 15, 2016 at 11:21 pm

      Irene, thank you so much for reading, have you double checked the link? I just clicked and it seems to be working.

Leave a Reply

Your email address will not be published. Required fields are marked *


American Genius
news neatly in your inbox

Subscribe to our mailing list for news sent straight to your email inbox.



Business Entrepreneur

Freelance full-time can be a daunting concept, but it's much more commonplace than you think. If you have these things, you may be ready.

Business Entrepreneur

Being a freelancer, it can feel like a luxury to fire a client, but there's a few clear signs they're not worth your time.

Business Entrepreneur

High productivity is a goal for many, but there are many different approaches. We've compiled a few of our fav tools & hacks in...

Business Finance

For a freelancer, it's more important than ever to bring up the issue of getting paid on time. Here are 7 tips to get...

The American Genius is a strong news voice in the entrepreneur and tech world, offering meaningful, concise insight into emerging technologies, the digital economy, best practices, and a shifting business culture. We refuse to publish fluff, and our readers rely on us for inspiring action. Copyright © 2005-2022, The American Genius, LLC.