Fewigu is a mobile app for freelancers, contractors and seasonal workers in the UK. It sets aside money from each payment, covers fixed bills first and shows what is safe to spend this week.
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Fewigu is a small Sheffield team that builds a budgeting app for people whose pay does not arrive on the same day, or in the same amount, every month. If you are a freelancer, a tradesperson, a gig worker or a seasonal employee, most budgeting tools were not designed with you in mind. We started Fewigu to change that.
We began in 2012 with a very ordinary problem. A founding member of the team was working as a self-employed electrician and kept a paper notebook of what came in and what went out. Some months were good, some were thin, and the notebook could never answer the question that mattered: how much of this can I actually spend?
Standard budgeting apps assumed a salary on the 28th. They asked for a monthly income figure and then drew a tidy chart that bore no relation to real life. The first version of what became Fewigu was a spreadsheet with a different logic. It treated income as a range rather than a fixed number, and it set money aside for the lean weeks before anything else was allocated.
Friends and relatives asked for copies. A few years later the spreadsheet had outgrown itself, and we turned it into a mobile app. Since then we have worked with 1,092 people in total, and 342 of them came back to us for a second piece of work, whether that was a setup review, a change in how they track tax money, or help after their income pattern shifted.
Our mission is narrow on purpose: help people with uneven earnings feel in control of their money without asking them to pretend their income is steady. We do not promise that you will earn more or save a set amount. We aim to make your own numbers readable, so that you can plan around them.
Our vision is a budgeting habit that works in a quiet month as well as a busy one. That means a plan which expects variation, keeps a buffer visible at all times, and does not make you feel as though you have failed when an invoice is paid late.
When you log a payment, the app asks whether it is part of a regular pattern or a one-off. Over time it builds a baseline from your lowest recent months rather than your highest. Your fixed costs are covered against that baseline first. Anything above it goes into stages: a buffer, money set aside for tax, and then spending you can use freely.
You can see your position on a single screen. There is no need to read through a ledger to learn whether rent is safe this month. If it is not, the app shows you the gap and the dates involved, so you can decide what to move.
There are six of us. Between us we cover product design, mobile development, customer support and bookkeeping knowledge. The bookkeeping side matters: several of us have run our own sole-trader accounts, so questions about quarterly tax pots or irregular invoices are familiar territory rather than something we looked up.
We have completed 1,802 jobs since 2012, from first-time app setups to reworking a budget after someone moved from employment to freelance work. That averages out to about 78 new clients a year, which is a pace that lets us answer each person properly. We serve clients across six districts in and around Sheffield, and many of our conversations still happen face to face.
We do not publish satisfaction scores or outcome percentages. Money situations differ too much for a single figure to mean anything, and we would rather you judged us by talking to us.
We work from 34 Eyre Street, Sheffield, S14 5SE. The office is open Monday to Friday, 08:30 to 19:00, and closed at weekends. You can call us on +44 114 716 1796 or write to [email protected], and we will tell you plainly whether we are the right fit for what you need.
Fewigu is a budgeting and planning tool. It does not provide regulated financial, tax or investment advice, and the figures it shows depend on the information you enter.
Fewigu has built budgeting tools for people whose pay arrives in uneven amounts since 2012. Below is every service we offer, with the price you pay in pounds sterling. Nothing is hidden behind a quote form, and a reply to any question usually reaches you within 3 hours on working days.
The app itself plans around the money you have actually received, not the money you hope to receive. The services listed here help you set it up, keep it tidy and get the most from it.
Not sure which one fits? Write to [email protected] or call +44 114 716 1796, and we will point you to the smallest service that does the job.
Why people stay with Fewigu
A fixed monthly salary makes most budgeting tools easy to design. Yours does not look like that. Since 2012 we have worked with freelancers, contractors, seasonal staff and gig workers, and the features below come from what those 1,092 clients kept asking for.
The app looks at your last 12 months of deposits and shows a low, typical and high estimate for the month ahead. You see a range instead of one hopeful number, so you can plan rent and bills against the lower figure.
When a payment lands above your average, the app suggests moving a set share of the surplus into a buffer pot. In a thin month, it tells you how many days of essentials that pot still covers.
Fixed costs such as council tax, energy and phone contracts are lined up against expected income dates. If a bill falls before your next likely payment, you get a warning days ahead instead of an overdraft fee afterwards.
For self-employed users, the app can reserve a percentage of every incoming payment for your tax bill. You choose the percentage, and the reserved amount is shown separately so it never looks like spendable cash.
Instead of a flat monthly allowance, daily spending limits are recalculated each time money arrives or leaves. A quiet fortnight lowers your limit gently, and a big invoice raises it, without you editing any categories by hand.
Bank connections are view-only. The app can read balances and transactions, but it cannot move money, make payments or change anything in your account. You can disconnect a bank at any time from the settings screen.
Our team of 6 in Sheffield replies to most requests within 3 hours on working days, Monday to Friday, 08:30 to 19:00. Of everyone we have helped, 342 came back for a second round of setup, which is usually a sign the first one was useful. Questions go to [email protected] or +44 114 716 1796.
Questions and answers
When your pay changes from month to month, a standard budget template stops working by the second week. These are the questions we hear most often about how the app handles uneven income, what it needs from you and what it does not do.
Most budgeting tools assume a fixed salary on a fixed date. They divide a known monthly figure into categories and warn you when you overspend. That breaks down if you are a freelancer, a tradesperson, a gig worker or someone on variable hours. Fewigu starts from a different place: it looks at your lowest, typical and highest income over recent months and builds your plan around the lower figures. Higher months then top up savings and buffers instead of inflating your spending. You still see categories and limits, but they adjust when income arrives rather than being fixed in advance.
No. If you have three or more months of income records, you can enter them and the app will work out a baseline straight away. If you are newer to self-employment or have only a few payments behind you, you can enter a cautious estimate instead, such as the lowest amount you reasonably expect in a month. The app then refines that figure as real payments are logged. Early forecasts are rougher than later ones, and the app labels them that way so you know how much weight to give them. Most people find the numbers settle after about four months of use.
It starts with your fixed costs: rent, council tax, energy, phone, insurance and any repayments. These come out first. What remains is split into essentials, such as food and travel, and flexible spending. In a lean month the app shows the flexible portion shrinking in real time as you log income, so you see a spending ceiling for the weeks ahead rather than a number that assumes money you have not received. If a buffer exists from earlier months, the app shows how many weeks of essentials it covers and lets you decide whether to draw on it.
The app asks you to allocate it, and suggests an order. By default the sequence is: cover anything overdue, refill your buffer up to its target, set aside money for upcoming bills and tax, then release a share for personal spending. You can change the order and the percentages. The aim is to stop one good week from being spent as if every week will be the same. You can also mark a payment as one-off, which keeps it out of your baseline average so a single large invoice does not distort the forecast for the months that follow.
Yes, as a reserve tool. You choose a percentage of each payment to move into a tax pot, and the app tracks the running total against your January and July payment dates. Many self-employed people in the UK start with a figure between 20% and 30% and adjust it with their accountant. Fewigu does not calculate your actual liability, file returns or give tax advice, because that depends on your full circumstances. What it does is make sure the money is visibly separated from your spending balance so the bill is not a surprise when it arrives.
Connection is optional. If you link an account, transactions are read through an open banking connection that gives the app view-only access: it can see balances and payments but cannot move money. You can disconnect at any time from the settings screen. If you would rather not link anything, manual entry works fully. Adding a payment takes a few taps, and you can batch entries once a week. Some users keep manual entry for irregular client payments and link only their main current account for outgoings. Both approaches produce the same forecasts.
Your data is encrypted in transit and at rest, and it is processed in line with UK GDPR. Only you can view your budget. Support staff cannot open your account contents, and when you contact us for help we ask you to describe the problem rather than send screenshots of balances. We do not sell personal data or share it with advertisers. You can export everything you have entered as a spreadsheet file, and you can request full deletion of your account and records at any point. The full details sit in our privacy policy, which is linked in the footer of every page.
Yes, and this is a common situation. You can label each source separately, for example a part-time contract, weekend delivery shifts and occasional design work. The app tracks how much each one contributes over time and shows which are steady and which swing widely. That helps you decide which source to count on for bills and which to treat as a bonus. If one stream stops, the forecast updates immediately and shows what the loss means for the coming weeks, so you can adjust before the gap shows up in your bank balance.
It gives you a target and a way to measure progress. You pick how many weeks of essential costs you want to hold in reserve. Many people with variable income aim for eight to twelve weeks, though the right figure depends on your industry and household. The app calculates the amount from your own essentials and shows a simple progress bar. When you draw from the buffer, it records the withdrawal and suggests a refill schedule from future income. It does not hold the money itself; you keep it in whichever savings account you choose.
It can. You can enter the fixed salary as a separate, predictable income line and keep your own variable income alongside it. Shared costs such as rent and bills can be covered by the steady salary first, with your variable earnings handling the rest and feeding savings. Some couples prefer to keep budgets separate and only compare totals monthly, which also works. The app does not require a shared login, so each person can keep their own view. If you do want a joint view, you can invite a partner to see a read-only summary.
Initial setup usually takes 15 to 20 minutes: you list your regular outgoings, enter recent income and choose a buffer target. After that, daily upkeep is light. Logging a payment or an expense takes a few seconds, and you can skip small purchases by using a weekly cash allowance category. Most people do a short review once a week, about five minutes, to check the forecast and confirm that money has been set aside for upcoming bills. If you miss a week, you can backfill entries without breaking anything.
No. Fewigu is a planning and tracking tool. It organises the information you give it and shows what that information implies, but it does not recommend investments, credit products or insurance, and it cannot promise any outcome. Forecasts are estimates based on past payments, and real income can differ. If you are struggling with debt or cannot cover essentials, free and impartial guidance is available from UK debt advice charities and from the Money Helper service, and we would encourage you to use it alongside the app.
Write to us at [email protected] or call +44 114 716 1796 between 08:30 and 19:00, Monday to Friday. Our team of six is based in Sheffield, and we typically reply to a request within about three hours during opening times. Messages that arrive on a weekend are picked up on Monday morning. When you contact us, it helps to mention your phone model and the screen where the problem appeared, so we can reproduce it without asking you to repeat steps.
Contact
Have a question about how the app handles months when your income swings up or down? Want to know whether it fits the way you get paid? Write to us using the form below or reach us directly. We usually reply within 3 hours during opening times.
How to find us. Our office is on Eyre Street in the S14 postcode area of Sheffield. If you plan to visit, send a quick message first so someone is free to meet you.
Tell us a little about how your income arrives, whether weekly gigs, invoices or seasonal work, and what you would like the app to help with. All fields are required.
The information on this website and in the Fewigu app is provided "as is" for general guidance on budgeting with irregular income. To our knowledge it is accurate at the time of publication, but we do not warrant that it is complete, current or free of errors.
Content, features, descriptions and any figures shown may be changed, updated or removed at any time without prior notice. Examples and calculations are illustrations only and are not financial, tax, legal or investment advice.
Before you make decisions about your money, we recommend that you verify the relevant details with a qualified professional, such as an independent financial adviser or an accountant who can look at your own circumstances.
To the fullest extent permitted by law, Fewigu is not liable for loss or damage arising from reliance on this information, or from delays, inaccuracies or interruptions in the service.