Banking for freelancers
Tax day? Already saved for.
halvo sets your tax share aside the moment a client pays you. Automatically, at the rate you choose.
Free to open · You pick the rate · halvo doesn't give tax advice
halvo is a concept brand, not a bank. On a live fintech page, this line names the partner bank, Member FDIC.
The freelancer tax trap
Every payment feels like yours. Until April.
Nobody holds back tax for you when you're self-employed. So a $4,800 payment looks like $4,800 to spend, and the bill shows up months later, after the money's gone.
Tax bill · due April 15
$11,240
An example year: 10 client payments, 25% set aside.
How it works
Paid, split, sorted.
Get paid
Your clients pay into your halvo account, like any business account.
Split in a second
halvo moves your tax share into your Tax Vault the moment the money lands. You choose the rate.
Ready on tax day
Payment after payment, the Vault fills up. When the bill comes, the money is already there.
Tax Vault · example year
$11,240.00
25% of 10 payments, set aside one by one
Ready for tax day
Built for 1099 income
Uneven income, even nerves.
Your rate, your call
Pick 20%, 25%, 30% or anything in between, and change it whenever your accountant says so.
A vault you can see
Your tax money sits apart from your spending money, so the number in your main balance is the number you can actually spend.
Every client, one place
Big invoice or small, weekly or once a quarter: every payment gets the same split.
Questions
Good questions.
How much should I set aside?
That's your call, and halvo doesn't give tax advice. Many freelancers ask an accountant for a rate, then set it once in halvo.
Can I use the money in my Tax Vault?
Yes. It's your money. You can move it back to your spending balance any time; halvo just keeps it out of sight until you need it.
What does halvo cost?
In this concept, halvo is free to open. A real product would list every fee here.
Is halvo a real bank?
No. halvo is a fictional brand that Gessmo made to show a landing page and its ads. Nothing here is a real financial product. See how the page was made.
Early access
Open halvo free.
halvo opens to freelancers in small waves. Leave your email and we'll send your invite.
You're on the list. (Demo)
Nothing was sent: this is a concept page. On a client's page, this is the moment the lead lands in their inbox.
See how it was made