Simart

Introduction to Simart

Simart is an AI-powered financial management application designed specifically for independent professionals, freelancers, agencies, and creators. It replaces manual spreadsheet-based bookkeeping with a natural-language interface that enables users to log financial activity through simple text commands. The platform provides real-time visibility into income, expenses, invoices, payments, and cash flow without requiring bank account synchronization or sharing sensitive credentials.

Target users include solopreneurs, influencers, freelance designers and developers, boutique agencies, and other self-employed individuals who need lightweight, privacy-focused financial tracking without the complexity of traditional accounting software. Simart emphasizes simplicity, speed, and data ownership while delivering actionable financial insights tailored to the operational realities of independent work.

Key Takeaways

• AI command bar for logging transactions using plain-language input (e.g., "Paid $50 for ads")
• Real-time dashboard showing income, expenses, active payments, and pending invoices
• "Safe-to-Spend" calculation that estimates available discretionary funds while maintaining business solvency
• Internal reminder system for overdue or upcoming invoices—without contacting clients directly
• No bank credential requirements; all data remains under user control with client-side privacy guarantees
• Built-in invoicing with PDF export, customer and vendor management, and task tracking
• Support for financial metrics including Collection Efficiency and Burn Rate (measured as average days to pay bills)
• Two-tier pricing: Free plan (30 transactions/month, 2 AI commands/day) and Pro plan (unlimited transactions and AI commands, premium insights, human support)

How Simart Works

Users interact with Simart primarily through its AI Command Center: typing natural-language instructions triggers automated categorization, data entry, and calculation. For example, entering "create invoice for Client X for $1,200" generates a professional invoice, while "show expense & income" renders a comparative summary. All inputs are processed locally or in a privacy-compliant manner; no bank passwords are requested or stored.

The dashboard displays live financial metrics—including monthly income ($24,580), expenses ($8,240), active payments (147), and outstanding invoices ($12,890 across 23 pending items). Behind the scenes, Simart calculates forward-looking indicators such as Safe-to-Spend by analyzing committed obligations, receivables timing, and historical cash flow patterns. Reminders for unpaid invoices are generated internally and surfaced in the user interface without external notifications to clients.

Core Benefits and Applications

Simart supports daily financial operations for independents by eliminating repetitive data entry and reducing reliance on error-prone spreadsheets. Freelancers use it to track project-based income and associated expenses, generate client-ready invoices, and monitor collections. Agencies apply it to manage multiple client accounts, forecast runway, and assess operational efficiency via Burn Rate and Collection Efficiency metrics. Creators leverage the privacy-first architecture to maintain confidentiality while gaining clarity on earnings from platforms like Patreon, YouTube, or brand partnerships. The tool also serves as a centralized hub for customer, vendor, and task information—streamlining administrative workflows without integrating external financial institutions.