IncomePilot

IncomePilot is a web + mobile app that consolidates all your income streams—payroll, freelancing, creator payouts, rentals, dividends, and side hustles—into a single, accurate cashflow view. Users connect accounts via Plaid and import CSVs from platforms that don’t support integrations (Etsy, Upwork, YouTube, Substack, Shopify, etc.). The app auto-categorizes deposits, detects recurring payouts, flags missing/late payments, and estimates taxes by stream so users stop getting surprised. It also tracks “effective hourly rate” for gigs by combining income with time spent (manual or calendar-based). This is not a budgeting app; it’s an income operations tool: reconcile payouts, verify platform fees, and understand which streams are actually worth continuing. Monetization: subscription tiers for individuals and couples, plus a higher tier for freelancers with multiple platforms.