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For freelancers & digital nomads

Track and invoice your freelance income in any currency.

Paid in USD, billed in EUR, living on GBP? Log everything once. Fliptik converts it all to your home currency at live rates, shows what's actually left, and generates a clean PDF invoice. Free, no login, stored on your device.

160+ currencies PDF invoices Local-only data

Freelancer Money

On this device

Income

$0.00

Expenses

$0.00

Net

$0.00

Savings rate

0%

Annualised projection

$0

Based on this month's net × 12.

What's left to spend

$0

Income received minus everything logged in this period.

Converted to your home currency with live rates.

Nothing logged for this period yet. Add your first invoice above.

Get paid faster

Cross-border payments lose most freelancers 3–5% to hidden FX margins. These are the services we see used most. Links are affiliate slots — they never change what you pay.

Wise

Best for low-cost currency conversion

Multi-currency account with local bank details in USD, EUR, GBP, AUD and more. Converts at the mid-market rate instead of a marked-up bank rate.

  • Mid-market FX rate
  • Local receiving accounts
  • Transparent flat fee
Compare Wise rates
Payoneer

Best for marketplace and agency payouts

Widely supported by Upwork, Fiverr and large agencies. Receive in multiple currencies and withdraw to your local bank.

  • Marketplace integrations
  • Global receiving accounts
  • Physical/virtual card
See Payoneer
Deel

Best for contracts and compliance

Contractor agreements, invoicing and compliant payouts in 150+ countries — useful when a client wants a formal contract.

  • Compliant contracts
  • 150+ countries
  • Automated invoicing
Explore Deel

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Free: the Freelancer Currency Cheatsheet (PDF)

Top 50 currency pairs, invoice wording that gets paid, and the FX fees to watch for.

Freelance money guides

All articles

How Much Should I Charge a US Client as a Freelancer Abroad?

A practical method for pricing US clients when you live in a lower-cost country: benchmark rates, currency risk, payment fees and the numbers to run before you quote.

Do I Pay Tax on Foreign Freelance Income?

How tax residency, source rules and double-taxation treaties usually work for freelancers earning from clients abroad — plus the records to keep from day one.

The Best Way to Get Paid Internationally as a Freelancer

Bank wires vs Wise vs Payoneer vs Deel vs PayPal: real costs, arrival times and when each option makes sense for cross-border freelance payments.

Freelance Rate Calculator by Country

Work out a defensible hourly and day rate from your target income, local costs, billable hours and the currency you invoice in.

How to Invoice a Client in Another Currency

Which currency to bill in, the exchange-rate wording to include, and how to stop FX movement from eating your margin between invoice and payment.

Bonus tools

Small extras that come with Fliptik — handy, but the money tool is the point.

Currency & unit converter Calculator Focus timer Weather

Frequently asked questions

How do I track freelance income in multiple currencies?

Log each invoice or expense in the currency it was actually paid in. Fliptik converts every entry to your chosen home currency using live exchange rates, so your monthly income, expenses, net and savings rate are always in one comparable number.

Can I create an invoice in a different currency than my own?

Yes. The invoice generator lets you bill in any of 160+ currencies and adds a clear conversion note showing today's rate and the approximate value in your home currency, while making the invoiced currency the amount payable.

Do I need an account to use Fliptik?

No. The free tier stores everything locally in your browser — no signup, no cloud. Fliptik Pro adds cloud sync, unlimited history and exports for $5 a month.

What is the cheapest way to get paid as a freelancer abroad?

It depends on the route, but the exchange-rate margin usually costs more than the transfer fee. Compare the total landed amount across services such as Wise, Payoneer and Deel rather than the advertised fee alone.

Is my financial data private?

On the free tier your entries never leave your device — they are stored in your browser's local storage. Exchange rates are fetched from a public rates API without any of your data attached.

A money tool built for freelancers paid in foreign currencies

Generic budgeting apps assume one currency and a salary. Freelancers and digital nomads live in a messier world: a client in New York pays in USD, a retainer in Berlin pays in EUR, rent is due in a third currency, and every conversion quietly shaves a few percent off the total. Fliptik is built for exactly that.

  • Log in any currency — 160+ currencies, each entry converted to your home currency at live mid-market rates.
  • Real monthly picture — income, expenses, net, savings rate and an annualised projection from your own numbers.
  • Invoices that travel — a clean PDF with your details, the client's, and a dated exchange-rate note.
  • Fee awareness — see when income sits in a currency you don't spend in, before the bank takes its cut.
  • Private by default — free-tier data is stored in your browser, not on our servers.

How freelancers use Fliptik

Every time an invoice goes out

Generate the PDF, then log it as income in one click so the month's totals stay accurate without a spreadsheet.

At the end of the month

Check net and savings rate in your home currency, then export a CSV for your accountant or bookkeeping tool.

Before quoting a new client

Convert the proposed rate into your home currency and see what it's really worth after currency movement.

When choosing how to get paid

Compare cross-border payment routes before accepting a wire that costs 4% in spread.