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Found

self-employed-banking · US
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Found is the only business banking platform built exclusively for the self-employed — a market segment that traditional banks and even modern neobanks typically underserve. The app automatically sets aside a percentage of every deposit for taxes based on the user's tax situation, solving the most common financial pain point for freelancers and independent contractors: forgetting to save for quarterly taxes. Found combines a fee-free business checking account with automatic tax withholding, invoicing, expense tracking, Schedule C categorization, and tax filing integration. Its bookkeeping automatically categorizes business expenses for Schedule C tax preparation. Found Plus adds additional tax tools and a higher-yield savings account. The platform is designed so that a sole proprietor can manage their entire business financial life in one app without accounting knowledge.

Quick Answer

Found is designed for personal and smb businesses. Pricing starts at $19.99/mo. A free tier is available. Best suited for US-based businesses. Only business bank built exclusively for self-employed — every feature designed for freelancer needs

Pricing

FoundFree
Found Plus$19.99/mo

// verify pricing before launch — prices shown may not reflect current vendor rates

Key Features

  • •Automatic tax withholding — sets aside percentage of each deposit for taxes
  • •Schedule C expense categorization built into banking
  • •Invoicing with online payment collection
  • •Fee-free business checking with no minimum balance
  • •Tax filing integration for self-employed tax preparation
  • •Expense tracking with receipt capture
  • •Automatic business expense detection from transactions
  • •Business debit card with real-time notifications

Pros

  • +Only business bank built exclusively for self-employed — every feature designed for freelancer needs
  • +Automatic tax savings eliminates the most common self-employed financial mistake
  • +Schedule C categorization built into banking reduces tax preparation time significantly
  • +Free base tier covers core needs of most freelancers without paid subscription
  • +Invoicing and payment collection integrated with banking in one app
  • +No accounting knowledge required — designed for non-finance people

Cons

  • −Self-employed and sole proprietors only — not suitable for businesses with employees or complex structures
  • −US only
  • −Free tier has limited tax tools — Schedule C optimization requires Found Plus
  • −Smaller platform with fewer integrations than general business banks
  • −No business credit card or lending products
  • −Less suitable as business grows beyond sole proprietorship stage

Available on

WebiOSAndroid

Integrations

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Reviewed by Finatune · Last updated 2026-07-01