Stop juggling spreadsheets. Start running your business.

YUMO is the all-in-one financial control centre built for freelancers, side hustlers, small business owners, and anyone who wants to take control of their money. Track every penny, invoice clients in seconds, manage your stock, and let AI handle the boring stuff.

AI ASSISTANT — JUST TELL YUMO WHAT HAPPENED
Skip the forms. Message YUMO like you'd text a friend: "I spent £45 on supplies" or "Create an invoice for Sarah". YUMO logs it, categorises it, and updates your books instantly. Ask questions about your finances and get real answers based on your actual data.

CASHFLOW DASHBOARD
See exactly where your money is going — and where it's coming from. View monthly or weekly breakdowns, track income vs expenses, and see how you're trending compared to last month. Filter by source: all transactions, money in, money out, Shopify, or recurring.

PROFESSIONAL INVOICING
Create beautiful, detailed invoices in under 60 seconds. Add line items, set VAT rates, choose payment terms. Connect Stripe and YUMO auto-generates a payment link so clients can pay instantly. Track every invoice from draft to paid.

QUOTES
Send polished quotes with itemised breakdowns and expiry dates. Look professional. Win more work.

INVENTORY & OFFERINGS
Track products, services, and salaries in one place. Cost price, selling price, stock levels, supplier info. When you invoice a product, stock is auto-deducted. When you add inventory, the expense is auto-logged.

INCOME STREAM TRACKING
Got multiple income streams? Tag expenses, income, and sales to specific streams. See which ones are profitable and which ones are draining you. Rank your income streams by profit.

BUDGETS
Set spending limits by category — weekly, monthly, or yearly. Track your actual spend against the budget in real time with progress bars. Stay disciplined.

SAVINGS GOALS
Set a target, add contributions, and watch the progress bar fill up. Emergency fund, new equipment, holiday — whatever you're saving for.

NET WORTH & ASSET MANAGEMENT
Add your assets and liabilities. YUMO calculates your net worth and tracks how it changes over time. Milestone badges keep you motivated. Track asset expenses (insurance, maintenance, repairs) and see the true cost of ownership. Capital improvements automatically adjust your asset value.

BOOKING SYSTEM
Manage bookings for rental properties, services, and more. Set nightly, hourly, daily, weekly, or fixed rates. Track check-in/check-out, deposits, platforms (Airbnb, Booking.com, direct), and guest notes. Generate booking-specific invoices with detailed rate breakdowns — without cluttering your product inventory.

AI INSIGHTS
YUMO analyses your data and gives you real insights — top customers, best-selling products, spending patterns, unusual spikes, and savings opportunities. Not generic tips. Analysis of YOUR numbers.

TAX CALCULATION (UK)
Instant tax estimates for sole traders — income tax brackets, National Insurance, the lot. Tax optimisation suggestions help you find deductions you're missing.

TASKS & TO-DO
Stay on top of client deadlines and follow-ups. Set priorities, schedule times, and track your daily completion rate.

RECURRING TRANSACTIONS
Rent, subscriptions, retainers — set them up once. YUMO tracks them automatically. Daily, weekly, monthly, or yearly.

7 REPORT TYPES
Generate professional reports: Expense, Sales, Income, Invoice, Quote, Inventory, and Subscription reports. Any time period. Export and share.

INTEGRATIONS

Shopify: Auto-import products and orders, sync inventory
Stripe: Payment links on invoices, transaction sync, accept card payments
eBay: Import active listings and completed orders
Excel/CSV: Bulk import existing data — expenses, income, and inventory
SECURITY
Face ID, PIN lock, and dark mode. Your data stays private.

FREE TO START