Independent Professionals
Save up to $20,000 in Taxes

Ruby Money automatically sets aside taxes and retirement so you don’t have to do the math.  Pay less in taxes, and get peace of mind.

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$58K
Is the maximum you can set aside in pre-tax retirement dollars
52%
But 52% of high-earning freelancers don't regularly contribute to  retirement
$20,000
That's up to $20,000 in lost tax savings every year

Join our waitlist

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How it works

Get a personalized tax savings plan

Pick your tax and retirement goals

Automate withholdings each time you're paid

Get smart notifications to stay in the know

How it works:

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See what our customers have to say:

“Saved me $16,000 this year!”

As a person, I’m financially responsible. As a freelancer, I messed it up more than a couple times. Now, I love the challenge of saving more.

Surabhi, Surabhi & Co

“This is about making wise choices”

Do this for your peace of mind, not just the money.

Valerie, Pivot Organizing

“Tax savings at the push of a button."

This was incredibly helpful for someone like me who has blended income and needed techniques to pay myself first and find some new tax savings! So great!

Parker, Coach

FAQs

What is Ruby Money?
Who is Ruby Money built for?
Who is behind Ruby Money?
Is Ruby Money a bank?
I already have an accountant.  Why should I still use Ruby Money?
I already have a bank and/or retirement account.  What makes Ruby Money different?
Where does my money go when I use Ruby Money?
How can I withdraw money from Ruby Money?
How much does Ruby Money cost?
Is Ruby Money FDIC insured, and are my funds secure? 
How do you protect my data?
What is Plaid? 
What should I do if I don’t recognize a transaction in my Ruby Money account?
Do I need a business bank account to use Ruby Money?
Why do you need to link to my business bank account?
What if I don't estimate annual income and expenses accurately?
Why do I set my tax and retirement withholding rules as percentages?
How do you determine how much I need to withhold in taxes? 
How do you determine how much I can set aside for retirement?
What should I do if Ruby Money is setting aside money from non-income deposits?
How do I share this with my accountant and financial advisor?
Why was I denied?

Safe, Secure, and Trusted.

FDIC insured

Your funds are FDIC insured up to $250,000 through our partner bank.

Built for the Business-of-One

We’ve worked with designers, marketers, developers, writers, photographers, and coaches.  We’re built for you.