Everything you need to see your income before it happens
Mo Kimloc turns scattered invoices, contracts, and payment history into a clear forecast — so you always know what's coming in, and what to plan around.
Built for how independent income actually works
No two freelance months look the same. Mo Kimloc is designed around irregular, project-based income rather than forcing it into a traditional budgeting template.
Rolling Income Projection
See several months ahead, not just the next invoice
Mo Kimloc builds a rolling projection of expected income based on your contracts, invoicing patterns, and payment history. Instead of reacting to whatever lands in your account, you get a running view of what's likely to arrive — and when.
Projections update automatically as new invoices are issued, paid, or delayed, so the forecast stays current without manual upkeep.
Gap & Delay Alerts
Catch slow periods before they catch you
The system flags upcoming gaps between projects and clients with a pattern of late payment, giving you enough lead time to adjust spending, follow up on invoices, or line up new work.
Alerts are based on your own data — not generic rules — so they reflect the way your specific clients and contracts actually behave.
Per-Client Reliability
Know which clients to plan around carefully
Mo Kimloc tracks payment timing per client, surfacing patterns like consistently late settlement or frequent partial payments. This context feeds directly into your forecast, instead of treating every invoice as equally certain.
Over time, this builds a practical picture of which relationships are dependable income and which need a buffer.
Scenario Comparison
Test decisions before you make them
Model the financial effect of losing a client, taking on a new retainer, or shifting payment terms. Mo Kimloc recalculates your projection against each scenario so you can weigh decisions with numbers instead of guesswork.
This is especially useful before turning down work, raising rates, or committing to a longer-term engagement.
From raw data to a working forecast
The same three steps apply whether you're tracking one client or a dozen simultaneous projects.
Connect your income sources
Link invoicing records, contracts, and payment history. Mo Kimloc organizes them into a single, consistent income timeline.
Let patterns surface
The system identifies payment timing trends, recurring gaps, and client-specific behavior from your historical data.
Plan with a live forecast
Your projection updates continuously, giving you an ongoing reference point for budgeting, saving, and client decisions.
A forecast you can actually inspect
Every projection is accompanied by the underlying figures, so you're never asked to trust a number without seeing where it came from.
Monthly Income Report
Period: last 30 days- Confirmed Income
- Payments already received within the selected period, pulled directly from your records.
- Projected Income
- Expected income based on active contracts and historical payment behavior for each client.
- Outstanding Invoices
- Invoices issued but not yet paid, weighted by each client's typical settlement timing.
- Average Payment Delay
- The typical gap between invoice due date and actual payment, calculated across your client base.
Feature details, answered
How far ahead can the forecast actually see?
Projections typically extend as far as your contract and invoicing history allows. Shorter histories produce shorter, lower-confidence projections; longer histories allow forecasts to extend further with greater accuracy.
Does it work if my clients pay on very different schedules?
Yes. Per-client reliability tracking is built specifically for mixed payment terms — monthly retainers, milestone-based contracts, and one-off invoices are all modeled individually before being combined into your overall forecast.
Can I compare more than one scenario at a time?
Scenario Comparison lets you set up multiple hypothetical changes — such as losing a client while adding a retainer — and view their combined effect on your projection side by side.
What happens when a client's payment pattern changes?
Reliability scores and forecasts adjust as new payment data comes in, so a client who starts paying later (or earlier) than usual will shift your projection accordingly.
See your own income forecast
Request access and connect your data to generate your first projection.