03 // TAX VAULT TERMINAL
Protect the upside
before it lands.
Dial in an intentional reserve and see the exact amount you can actually spend without second-guessing the next tax quarter. Built specifically for irregular contractor and freelance income.
Illustrative planning tool — tailored for independent operators
SHIELD_CALIBRATOR // LIVE COMPUTATION● ALL COEFFICIENTS NOMINAL
AUTO-SHIELDED RESERVE$2,57628% OF TAXABLE INFLOW
TRUE SPENDABLE TAKE-HOME$6,624AFTER EXPENSES + RESERVE
03.1 // TAX RESERVE HUD & ALLOCATIONS
Real-Time Reserve Telemetry.
Zero End-Of-Quarter Panic.
Visual allocation gauges monitor accumulated tax vaults against projected tax liability in real time.
✳ fintraq.
ACTIVE VIEW Category limits
CONTROL WHAT COMES NEXT
Category limits
Set a clear limit for every category.
Spending by categoryOctober 2026 · current vs. limit
58% usedOperations$1,280 / $2,000
Software & tools$542 / $800
Studio assets$940 / $1,500
Travel$720 / $1,700
FIG. 01 — DYNAMIC TAX RESERVE & BUDGET SHIELDSwitch to Runway or add a reserve category to explore the controls.
03.2 // RECONCILIATION & LEDGER SHIELD
Settlement Velocity.
Automated Reserve Locks.
Track how incoming revenue streams from multiple clients automatically allocate towards required tax quotas.
✳ fintraq.
ACTIVE VIEW Liquidity
THURSDAY, OCTOBER 1, 2026
Available liquidity ✳
A clear view of every available dollar.
Liquidity by account$48,920.50 across 4 vaults
82% availableOperating cash$24,680.50
Treasury reserve$11,240.00
Yield accounts$8,500.00
Digital assets$4,500.00
FIG. 02 — OVERVIEW TELEMETRY & TAX GAUGEChange the cashflow period, then expand the ledger to inspect movements.
AUTOMATED INFLOW PARTITIONING
Every paid invoice is analyzed instantly. FinTraq automatically projects the exact federal, state, and self-employment tax obligations before you transfer funds.
QUARTERLY ESTIMATE SCHEDULE
Track deadlines and calibrated targets for Q1-Q4 payments so you never experience unexpected liquidity crunches or IRS underpayment penalties.
SAFE SPENDABLE MARGIN
Know your true discretionary take-home with total confidence. Reinvest in tooling, team, or personal accounts without questioning what is owed.