Meet Rowan, your AI financial copilot
Your finances, finally visible.
Meet Rowan, your AI financial copilot. Rowan sees your transactions, forecasts your cash flow, estimates your taxes, and answers questions like "Can I afford to hire help?" It works from your actual numbers, not generic advice.
See where Rowan shows up in the app →
Forecasting, taxes, clients, invoices, and Rowan, together in one calm dashboard.
Pyne
Good morning
Here's what matters today
Rowan · Insights
Q2 taxes due in 18 days. You're ~$2,100 short of your set-aside goal.
→ Set aside funds · Open tax center
Income
$12.4k
Expenses
$4.2k
Net
$8.2k
Based on your forecast, want a 2-sentence plan for the week of Apr 14?
Illustrative UI. Rowan insights, metrics, and chat in one place.
Insights that look ahead
Pyne turns your transactions into forward signals: what is trending, what is about to get tight, and where your money is really going. Not just a record of the past, a read on what is coming.
Product-style preview. AI highlights match the real dashboard patterns.
You’re great at the work. The money side shouldn’t slow you down.
Most tools show you the past. You need to see what is coming, with time to plan for it.
Cash flow guesswork
Invoices, subscriptions, and taxes don’t line up on a calendar. Without a forward view, you’re always wondering if you can afford the next month.
Tax season panic
Quarterly estimates sneak up. Deductions live in your head, or nowhere. You deserve running totals, not year-end surprises.
Too many tabs, not enough clarity
Spreadsheets, bank exports, and half-connected apps don’t talk to each other. Pyne pulls the story into one place so you can decide faster.
How Pyne works
Three steps from chaos to clarity. No finance degree required.
- 1
Connect or enter in minutes
Add transactions manually, import CSV, or connect the integrations that match how you already work.
- 2
Pyne organizes and explains
Smart categorization, client and project context, and a living financial snapshot you can actually trust.
- 3
Plan ahead with confidence
90-day cash flow, tax estimates, and AI guidance tuned to freelancers, not generic household budgets.
Built into Pyne
Meet Rowan
Your AI financial copilot, built into every screen
Every screen below shows where Rowan shows up: briefings, annotations, and summaries. Guidance from your real numbers, not just charts.
Built into every screen
Rowan explains your numbers, flags what needs attention, and answers questions in plain language. Ask Rowan anything about your money. It pulls from your real transactions, invoices, and time tracking to give you answers no generic tool can.
Product-style preview. AI highlights match the real dashboard patterns.
90-day cash flow forecast
See when money lands, what’s recurring, and where your cushion could dip, before it happens.
Product-style preview. AI highlights match the real dashboard patterns.
Real-time tax estimates
Directional federal and state estimates that move with your income and deductible expenses.
Product-style preview. AI highlights match the real dashboard patterns.
Clients, projects & effective rates
Know which clients drive profit, how your quoted rate compares to what you actually earn per hour, and where unbilled time hides.
Product-style preview. AI highlights match the real dashboard patterns.
Invoices that get paid
Professional PDFs, email delivery on Pro, payment links, and signals when money hits your accounts.
Product-style preview. AI highlights match the real dashboard patterns.
Pricing that respects your runway
Start free. Upgrade when Pyne is clearly saving you time and preventing expensive surprises.
Founding Members: Lock today's pricing for life, get a direct line to the founder, and help decide what we build next.
Free
Get started
- Up to 50 transactions per month
- 30-day transaction history
- Manual transaction entry
- Dashboard & basic summaries
- Limited Rowan chat (Haiku)
- 30-day cash flow forecast
- Time tracking imports (Toggl, Clockify, Harvest)
No credit card required
Pro
For growing freelancers
$179 billed annually · save $49/year
- Everything in Free, plus:
- Unlimited transactions & full history
- Tax Center with estimates & strategies
- 90-day cash flow forecast
- Unlimited Rowan on Haiku
- Plaid bank sync, CSV & Google Sheets import
- Clients, projects, invoices & recurring
- Full Insights feed & weekly email digest
- Integrations (Stripe, PayPal, FreshBooks & more)
Cancel anytime from billing settings.
Pro+
For power users
$379 billed annually · save $89/year
- Everything in Pro, plus:
- Full Plaid sync (balances + recurring detection)
- Project profitability & effective rate analysis
- Tax reserve tracking & allocation rules
- Rowan powered by Sonnet (smarter AI)
- Schedule C preview + PDF export
- Scenario modeling
- 12-month cash flow forecast
- Accountant sharing
- Multi-currency (Wise)
Best AI and longest forecast horizon.
Pyne provides estimates and general financial insights for informational purposes only. This is not tax, legal, or financial advice. Consult a qualified CPA or tax professional for decisions about your specific situation.
Frequently asked questions
Straight answers about security, taxes, and what Pyne is (and isn’t).
No. Pyne provides estimates and educational insights only. Always confirm tax decisions with a qualified professional.
No. Pyne is read-only for connected data and does not initiate payments or file returns.
Core tracking with limits: up to 50 transactions per month, 30-day transaction history, limited Rowan chat on Haiku, and manual entry. Tax Center, CSV import, bank sync, and more unlock on Pro.
Unlimited transactions and history, Tax Center, 90-day cash flow forecasting, full Insights, unlimited Rowan on Haiku, integrations, clients and projects, invoicing, recurring items, and weekly email digest.
We use industry-standard encryption in transit and at rest, trusted auth providers, and we don’t sell your financial data.
Rowan runs on Anthropic’s Claude models. Free and Pro users get Claude Haiku, fast and accurate. Pro+ users get Claude Sonnet, noticeably deeper financial analysis.
Yes. Manage your subscription in the billing portal; you’ll keep Pro access through the end of the paid period.
Stop guessing. Start knowing.
Join freelancers who want their numbers as polished as their portfolios, without living in a spreadsheet.
Start using PyneFree during beta
You’re in good company
70M+
independent workers in the U.S. alone
MBO Partners, 2025 State of Independence
Freelancing isn’t a side hustle anymore. It's how millions of people build a living. Pyne is built for that reality: variable income, self-employment tax, and no HR department to explain your paycheck.