Every payment lands already split
Slate holds back tax and savings the second a client pays you. What is left in spend is genuinely yours.
One invoice. Three destinations.
Kestrel Studio paid invoice 0119 on 11 March. Here is what Slate did with it before the balance ever showed up on your phone.
Save
$642.00
15 percent moved to savings before you see the balance. You set the rate once, and it applies to every deposit after that.
Tax
$941.60
22 percent held for tax. Held, not invested and not lent out. It sits still until you owe it, and you can see the running total on any day of the year.
Spend
$2,696.40
What is left once tax and savings are gone. This is the only number the card spends from, which is why the balance on your phone is finally the truth.
Paid from five places on five days
Five deposits across three platforms in one month, each with its own fee and its own settlement delay. Reconciling that by hand is the reason most freelancers do not know their real take-home until the tax bill arrives.
- Upwork payout Mar 04 $1,180.00
- Invoice 0119, Kestrel Studio Mar 11 $4,280.00
- Stripe payout Mar 18 $612.45
- Invoice 0121, Marlow and Fen Mar 26 $2,940.00
- Fiverr payout Mar 29 $318.20
Watch where it goes
Balances are held with a regulated banking partner. Slate does not lend your savings out, and the tax balance is never swept into anything that can lose value.
Every split is logged with a timestamp and exports as a CSV your accountant can read. You can change the rates whenever you like, and Slate replays your whole history against the new ones so you can see what it would have looked like.