Found

Found is a modern financial platform built specifically for freelancers, gig workers, and self-employed individuals. It combines a business bank account with built-in bookkeeping and tax tools. When you use the Found debit card for business expenses, the app automatically categorizes the write-off, saving hours of administrative work at tax time.

A standout feature is the automated tax savings bucket. Found can estimate your tax liability on incoming deposits and automatically set aside a percentage into a separate "Tax" pocket so you aren't caught off guard by the IRS. It is a legitimate banking solution (FDIC insured through Piermont Bank) designed to help independent workers save money and stay compliant.

Frequently Asked Questions

1. Is there a monthly fee?

No, Found offers a robust free plan with no monthly maintenance fees, no minimum balance requirements, and unlimited transactions. They do offer a paid "Found Plus" plan ($19.99/mo) that adds advanced features like custom categorization and interest on balances.

2. Is my money safe?

Yes, Found is a financial technology company, not a bank, but banking services are provided by Piermont Bank, Member FDIC. This means your deposits are insured up to $250,000 against bank failure.

3. Can I send invoices?

Yes, the Found app includes a built-in invoicing tool that allows you to send professional invoices to clients via email. Clients can pay you directly through the invoice using a credit card or bank transfer, and the funds settle into your Found account.

4. Does it integrate with other apps?

Found integrates with popular gig economy apps (like Uber and Lyft) and payment platforms (like Stripe and PayPal) to pull in your income data. However, it is designed to replace Quickbooks for simple businesses, so it may not sync with external accounting software.

5. How does the tax feature work?

You set up your tax profile (filing status, state, estimated income), and Found calculates a withholding percentage. Every time you get paid, it automatically moves that percentage into a Tax Savings pocket. You can even pay the IRS directly from the app.