breadmaxxer
breadmaxxer is a budgeting app for seasonal and spiky pay — a summer off, a q1 rush, a build season, a commission month. bank the busy stretch, plan for the dry one, and keep the tax slice set aside while the money is still flowing.
plan off a typical-to-slow month, not a peak one, so the busy season fills a buffer instead of inflating what you spend.
park the tax slice the moment a payout lands — commission, 1099, or contract — so the off-season bill is already covered.
see how many weeks your current cash covers, so a three-month dry stretch is a plan instead of a scramble.
log lump-sum deposits and contract payments without pretending you work a steady schedule.
That is exactly what it is built for. Breadmaxxer plans off your floor — a typical-to-slow month — so the busy season builds a buffer that carries you through the quiet stretch instead of disappearing.
Nothing is withheld on commission or 1099 pay, so the bill is yours to remember. Breadmaxxer earmarks the percent you set the moment each payout lands, so the off-season tax bill is already set aside.
Yes — the free tier covers the core, no card. Pro is optional at $8.88/mo or $88/yr if you want 10× the Bread chat (100 a day), multi-bank tracking, and advanced analytics.