Found
self-employed-banking · USFound 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
// 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
Compare Found with other tools
See how Found stacks up against mercury, brex, novo side by side.
Compare NowFinatune Ecosystem
⚙️ MCP Servers
💬 AI Assistants
📝 Finance Prompts
Related Resources
Financial Glossary
Calculators
Blog
Reviewed by Finatune · Last updated 2026-07-01