Built for freelancers.
Income that lands in lumps, clients who pay late and a tax bill that arrives all at once. HealthScore keeps the money side in order.
Free for life. No bank connection needed to start.
A freelancer's snapshot
- Invoices overdue
- 2 worth £5,200
- Tax set aside
- £6,100 of £7,400
- Records
- Up to date
- Months of work lined up
- 2
+5Biggest lift: start setting tax aside from each payment
Example profile
Where freelance money goes wrong
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Income lands in lumps
A good month hides a quiet one. Without a number to ring-fence, tax and spending blur together.
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Clients pay late
Chasing is awkward and easy to put off. Most people never claim the interest and fixed fee the law allows.
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You cannot see what a project really earns
Hours, expenses and slow payment all eat into a fee. A headline day rate says little about what you keep.
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Self assessment is a cliff edge
Bills fall due in January and July, with payments on account on top. Knowing the figure in advance turns it into a plan.
What HealthScore does about it
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A money pot for tax
Log each payment and see what to set aside, what is safe to spend and where your year is heading.
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Invoices with overdue tracking
Create invoices, follow their status and see the interest you could claim on anything overdue.
How late payment interest works -
Pay analysis
Compare projects by what they actually leave you with once expenses and tax are taken out.
About take-home pay -
Records that are ready when you are
Invoices, expenses and payments in one place, so your accountant or your own return starts from tidy numbers.
A £4,000 invoice, 30 days late.
Late payment is not just annoying, it costs you. Under UK law, a business that pays another business late can owe statutory interest and a fixed fee.
Invoice£4,000
Days overdue30
Statutory rate (8% plus 3.75% Bank Rate)11.75%
Interest to date£38.63
Fixed fee, debts of £1,000 to £9,999.99£70
You could claim£108.63
Interest keeps running each day the invoice stays unpaid. Example only. Check your contract terms.
Guides to read next
- Late payment: how to claim interest and compensation UK law lets businesses claim statutory interest and a fixed fee on late invoices. How it works, how to calculate it and how to ask for it. 5 minute read
- How much tax should a contractor or freelancer set aside? A practical way to ring-fence tax from every payment, with 2026/27 rates, key payment dates and what changes by umbrella, limited company or sole trader. 6 minute read
- Going freelance: the money checklist A practical UK checklist for the first months of freelancing or contracting: registration, tax, records, insurance, invoicing and cash buffer. 5 minute read
- How to review your day rate, and when Your day rate is often set by a job advert months before you start. A practical way to check it against the market and raise it at renewal. 5 minute read
Questions, answered.
I am a sole trader with irregular income. Is HealthScore right for me?
Yes. The money pot, invoices and pay analysis are designed for income that arrives in lumps. You can log payments as they land and see what to ring-fence.
Can I claim interest from a client who pays late?
If your client is a business, UK law allows statutory interest and a fixed fee on late payments unless your contract sets its own substantial remedy. The app tracks each overdue invoice and shows what you could claim.
Does HealthScore file my tax return?
No. It helps you work out and set aside what you are likely to owe, and keeps your records tidy. You still file with HMRC or through your accountant.
Do I need a limited company to use it?
No. It works for sole traders, limited company directors and umbrella workers.
Your score is waiting.
Start in under a minute. Free for life, and no bank connection needed to begin.