Built for irregular income

opNVLP splits every deposit before the money gets spent.

A focused cash-control app for freelancers, contractors, and small businesses with unpredictable, variable income.

Free Starter plan
14-day Growth trial

Create free Starter account View workflow

Why cash clarity matters

Irregular income is a real operating problem.

Small business owners are expected to manage uneven payments, operating expenses, and financial decisions with systems that often assume predictable income.

51%

of small employer firms reported uneven cash flow as a financial challenge.

Federal Reserve, 2025

56%

reported paying operating expenses as a financial challenge.

Federal Reserve, 2025

50%

of surveyed U.S. small business owners said limited financial literacy created fiscal challenges.

Xero, 2024

The method

Budget from the deposit, not the calendar.

Traditional budgets assume predictable paydays. opNVLP starts with the payment that just arrived and shows what that money needs to cover before it gets mixed into your bank balance.

Create free Starter account

Add the real deposit

Record income when it arrives, without forcing it into a monthly forecast.

Review the split

See how much goes to taxes, owner pay, bills, reserves, and operating costs.

Spend from envelopes

Make withdrawals from the envelope set aside for that purpose.

Clarity under uncertainty

Stop treating your bank balance like the answer.

A large client payment does not mean every dollar is free to spend. opNVLP keeps obligations visible so taxes, owner pay, bills, expenses, and reserves are easier to separate.

Freelancers
Contractors
Consultants
Service businesses
Creators
Seasonal earners

Plans

Start free, then keep the weekly workflow going.

Starter gives you a free way to try deposit allocation with real numbers. Growth is for operators who want the full irregular-income workflow every week.