Stay compliant and uncover tax breaks.

Ruby Money is a mobile app built for those with 1099 contracting and freelance income. Connect your bank to automatically withhold taxes as you earn, and uncover tax breaks. We handle the math (and the IRS) so you don't have to.

Stay compliant

Real-time estimates and quarterly tax filings keep you on track year round.

Uncover tax breaks

Identify tax breaks that can save you thousands. From tax-free retirement plans to home office deductions, we got you covered.

Get support

We're not your father's CPA. Our team has been in your shoes and is here to help you thrive.

Made for creatives, consultants and coaches who love working for themselves.

There is nothing more powerful than being in control of your finances, and Ruby Money makes you feel like a money queen. I love that I no longer have to worry about how much to pay in quarterly taxes or how to pay them, and I especially love that I am now tucking away money for my retirement. If you’re a solopreneur, Ruby Money is a no-brainer!
Tiffany Napper, Business Coach, Owner at Upleveler Society
This is a fantastic app! I used to dread tax time because I worried I’d forgotten to do something or miscalculated what I owed—and I was in it alone.  I love how simple Ruby Money has made it to manage this aspect of my business.”
Kaitlin Maud, Designer, Owner at Kaitlin Maud

4.9

Rating on the App Store
Ruby Money took only 5 minutes to set up! It was great to start the year by investing in a system to eliminate all the stress/mental math of figuring out taxes. I can't put a price on that, it's so so valuable!
Sammi Dittloff, Marketer, Owner of Needs More Fiber
Ruby Money got me thinking about my profit margins & gave me confidence to raise my prices. This app has been so incredible for my business brain!
Makena Delaney, Web Design, Owner at The Carlyle Creative
Results may vary by customer

How It Works

Link a bank account to track your income.

Set aside income for taxes and retirement each time you get paid.

Pay your quarterly taxes in one quick step.

Link a bank account to track your income.

Set aside income for taxes and retirement each time you get paid.

Pay your quarterly taxes in one quick step.

Affordable Pricing

(that's fully tax-deductible!)

$20
/month

Tax savings account

Quarterly tax filings

Track income & expenses

Year-round tax support

$20/month
$200/year

Join Today!

Get Started

20% Savings

No credit card required, 30 day free trial, cancel anytime!

Explore our free resources and level up.

View all resources

Self-employed
tax 
calculator

Estimate your taxes

Learn More

SEP-IRA 
deduction calculator

Estimate your retirement deduction

Learn More

Ruby Money is Built by and for Women

Angie Moody
Founder & CEO
"Three years ago I left a successful corporate career craving more meaningful work and time with my family. I built a consulting business and loved the freedom and flexibility of working for myself. What I didn’t love was figuring out taxes and managing my finances. I quickly found out I wasn’t alone.
‍
I started Ruby Money to build a new system designed for entrepreneurial professionals who have chosen to unshackle themselves and build businesses on their terms. Our vision for Ruby Money is to become the financial backbone for soloprenuers. I hope you will join us!"
Read More

Frequently Asked Questions

Who is Ruby Money built for?
Ruby Money is built for side hustlers, sole proprietors, and single member LLCs that work as creatives, coaches and consultants.
How does Ruby Money protect my data?
Your privacy and security are a priority to us. We follow industry-standard 256 bit SSL encryption and partner with industry leaders such as Plaid to secure your financial information. You can read our full Privacy Policy here.
Why do I need to connect my bank account?
Ruby Money connects to your existing bank account to detect self-employed income and expenses to calculate your estimated taxes.
How does Ruby Money help me save for taxes? 
Ruby Money allows you to set aside a portion of your income for taxes each time you get paid. We store these funds in an FDIC-insured account until it's time to pay your estimated quarterly taxes.

Your funds are FDIC insured up to $250,000 through Blue Ridge Bank; Member FDIC.
How much does Ruby Money cost?
Ruby Money is completely free to get started. We offer a monthly or annual subscription for access to premium features such as dedicated tax savings, quarterly IRS payments, and 1:1 tax advice.
General
Getting Started
Paying Taxes
Who is Ruby Money built for?
Ruby Money is built for ambitious soloprenuers who want to avoid making costly tax mistakes and grow their profits with less stress. Our members are sole proprietors and single member LLC's that work as designers, business consultants, executive coaches, health & wellness professionals, and more.
How does Ruby Money protect my data?
Ruby Money is built for ambitious soloprenuers who want to avoid making costly tax mistakes and grow their profits with less stress. Our members are sole proprietors and single member LLC's that work as designers, business consultants, executive coaches, health & wellness professionals, and more.
Can I use my existing bank and brokerage accounts?
Ruby Money is built for ambitious soloprenuers who want to avoid making costly tax mistakes and grow their profits with less stress. Our members are sole proprietors and single member LLC's that work as designers, business consultants, executive coaches, health & wellness professionals, and more.
Where does Ruby Money store my tax and retirement funds?
Ruby Money is built for ambitious soloprenuers who want to avoid making costly tax mistakes and grow their profits with less stress. Our members are sole proprietors and single member LLC's that work as designers, business consultants, executive coaches, health & wellness professionals, and more.
How much does Ruby Money cost?
Ruby Money is built for ambitious soloprenuers who want to avoid making costly tax mistakes and grow their profits with less stress. Our members are sole proprietors and single member LLC's that work as designers, business consultants, executive coaches, health & wellness professionals, and more.
Who is Ruby Money built for?
Ruby Money is built for ambitious soloprenuers who want to avoid making costly tax mistakes and grow their profits with less stress. Our members are sole proprietors and single member LLC's that work as designers, business consultants, executive coaches, health & wellness professionals, and more.
How does Ruby Money protect my data?
Ruby Money is built for ambitious soloprenuers who want to avoid making costly tax mistakes and grow their profits with less stress. Our members are sole proprietors and single member LLC's that work as designers, business consultants, executive coaches, health & wellness professionals, and more.
Can I use my existing bank and brokerage accounts?
Ruby Money is built for ambitious soloprenuers who want to avoid making costly tax mistakes and grow their profits with less stress. Our members are sole proprietors and single member LLC's that work as designers, business consultants, executive coaches, health & wellness professionals, and more.
Where does Ruby Money store my tax and retirement funds?
Ruby Money is built for ambitious soloprenuers who want to avoid making costly tax mistakes and grow their profits with less stress. Our members are sole proprietors and single member LLC's that work as designers, business consultants, executive coaches, health & wellness professionals, and more.
How much does Ruby Money cost?
Ruby Money is built for ambitious soloprenuers who want to avoid making costly tax mistakes and grow their profits with less stress. Our members are sole proprietors and single member LLC's that work as designers, business consultants, executive coaches, health & wellness professionals, and more.

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© 2023 Ruby Money, Inc. All rights reserved.
Ruby Money is not a bank. Banking services are provided by Blue Ridge Bank, N.A, Member FDIC.
Deposits are FDIC-insured through Blue Ridge Bank, N.A., Member FDIC. Your funds are FDIC insured up to $250,000 through Blue Ridge Bank; Member FDIC.