For self-employed homeowners
Use one simple Pay Yourself Plan for property tax, income tax, insurance, and other bills you know are coming.
Record the amount, due date, and how often it repeats.
Move that total into a separate account each month.
Compare the separate account with what it should hold now.
Bills you know are coming
SyncingFund divides each bill by the months until it is due. It then combines those shares into one monthly transfer.
A separate account
You open and control the account. SyncingFund keeps the records but never connects to your bank.
Start with the large bills
Start with bills that can strain an uneven self-employed income.
Use the amount and due date from your latest bill.
Use your planned tax amount. Ask a tax professional when you need advice.
Add home, auto, life, or other policies with known renewal dates.
Worked example
By May, the separate account should hold $10,950.
| Bill | Amount | How often it repeats | Set aside each month | Account should hold in May |
|---|---|---|---|---|
| Township tax | $3,600 | 12 months · due September | $300 | $2,700 |
| Income taxes | $18,000 | 12 months · due January | $1,500 | $7,500 |
| Auto insurance | $900 | 6 months · due July | $150 | $750 |
| Total | $1,950 | $10,950 | ||
Once a month
A short review keeps your records equal to your plan.
Move the full amount into your separate account.
Check the account against what your plan says it should hold.
Update each paid bill with its next amount and due date.
A bill guide
Use the bill's current amount, dates, fees, and coverage.
Use the printed due date and note any penalty date.
Some providers offer a lower price for early or annual payment. Check the terms first.
Update your plan when the amount, fees, or coverage changes.
A late start or a large total
Start with the bills due soonest. You can add a one-time extra deposit or save more for a short period.
If needed, start saving for one bill after its next payment. Check its due date and the result of a late or missed payment before you decide.
Pricing
Add Device Sync when you want to keep the same plan private and up to date on more than one device.
SyncingFund never connects to a bank. You control the account and make each transfer.
Optional with Device Sync
You can allow a software assistant, called an agent, to update your plan. You can complete the full monthly process without one.
Optional guided service
For $2,500, you get setup and 12 monthly reviews.
SyncingFund keeps records only. It does not connect to banks. It is not financial or tax advice.
