A VORNEAUX PRODUCT · ONE FILE, FOR LIFE

Know exactly what to charge, save, and keep.

FLEO™ is the offline financial command center for freelancers — real tax estimates for 12 countries, per-project profit tracking, and professional invoices in under a minute. No spreadsheet gymnastics. No subscription. No account.

Instant download Works fully offline No subscription, ever
0Integrated Tools
0Tax Jurisdictions
0Accounts Required
0%Offline Capable
Rate Oracle — live preview
LIVE
Minimum viable rate
$0/hr
Ideal rate (25% buffer)
$0/hr

This is a live simulation of the Rate Oracle tool inside FLEO™ — move the sliders. Your real file also factors in business expenses and your savings goal.

< 15 minTo your first rate & tax estimate
$0Monthly fees, ever
4Invoice template styles
1 fileRuns in any modern browser

THE PROBLEM

Four questions every freelancer avoids — until they can't.

None of these are complicated to answer. They're just tedious enough that most people never sit down and do the math — and expensive enough when they get it wrong.

01

"Am I actually charging enough?"

Most freelancers pick a rate by guessing, copying a competitor, or anchoring to their old salary — not by working backward from what they need to take home after tax.

02

"How much should I be setting aside for taxes?"

Get it wrong and you either overpay all year or face a bill you can't cover in April. Flat "set aside 30%" rules ignore your actual country, bracket, and deductions.

03

"Is this client actually worth my time?"

Revenue looks healthy on paper. Net profit — after your own hours are costed in — sometimes tells a very different story, and most freelancers never calculate it.

04

"Why does invoicing eat an entire afternoon?"

A new document, re-typing client details, second-guessing the format — for something that should take sixty seconds once your details are on file.

THE SOLUTION

One file, one system, fully under your control.

FLEO™ is a single HTML file that opens in any web browser — Chrome, Safari, Firefox, Edge — on any computer or phone. There's nothing to install, no account to create, and nothing running in the cloud.

Everything you type — rates, revenue, clients, invoices, expenses — saves automatically inside your own browser, on your own device. You open it the way you'd open a document, and it just works.

0Integrated Tools
0Tax Jurisdictions
0Accounts Required
0%Offline Capable

THE SYSTEM

Nine tools. One financial picture.

Each tool feeds the others — enter something once in Tax Vault and it's already waiting for you in Rate Oracle. Nothing is calculated twice, and nothing is guessed.

01 / DASHBOARD

Your entire business, one screen

Live numbers pulled from every other tool — ideal rate, revenue progress, active projects, real monthly take-home after tax. Nothing to calculate here, just read it.

Always up to date
02 / RATE ORACLE

Stop guessing what to charge

Reverse-engineers your hourly rate from what you actually need to earn — take-home target, expenses, taxes, savings goal, and realistic billable hours.

Run this first
03 / REVENUE TRACKER

Watch your annual goal fill up

Log income as it arrives and get an automatic year-end projection based on your pace — plus exactly how much you need per remaining month to hit your goal.

Update monthly
04 / PROJECTS

Find out which work actually pays

Every project shows quoted price, gross profit, net profit after your own time is costed in, and your real effective hourly rate — the number most freelancers never see.

The most important habit
05 / INVOICE FORGE

A professional invoice in under a minute

Standard, EU reverse-charge, or Italian Fattura formats, four visual templates, live preview as you type, and one-click print-ready PDF export.

Three invoice types
06 / TAX VAULT

Real tax brackets, not flat-rate guesses

Progressive income tax and social contributions for 12 countries, broken down line by line, with a quarterly payment schedule where it applies.

The most powerful tool
07 / CLIENT COMPASS

See which clients are worth your energy

A roster sorted automatically by lifetime value, with average revenue per project — the historical data you need when two opportunities compete for your time.

Update as you go
08 / EXPENSE LEDGER

Nothing deductible slips through

Log every business cost, tag it deductible or not, and see your top spending categories at a glance — exportable for your accountant at tax time.

Log as it happens
09 / ANNUAL REPORT

A year-end snapshot, one click

Pulls together everything you've already logged into a single printable summary — total revenue, expenses, estimated tax, and net income for the year.

Generate anytime

TAX VAULT · THE DIFFERENTIATOR

Real tax logic for 12 countries, not one flat number.

Most freelance tools bolt on a generic "set aside 25%" rule. Tax Vault calculates actual progressive brackets and social contributions per country — the same figures you'd get from working it out by hand, in seconds instead of hours.

🇺🇸
United States
Federal brackets + SE tax + QBI §199A + all 50 states
🇬🇧
United Kingdom
Income Tax + Class 4 National Insurance
🇮🇪
Ireland
Income Tax + USC + PRSI Class S
🇩🇪
Germany
Official Einkommensteuer formula + health insurance
🇫🇷
France
Libéral or Micro-entrepreneur, both regimes covered
🇮🇹
Italy
IRPEF Ordinaria or Forfettario 15% / 5%
🇳🇱
Netherlands
Box 1 + zelfstandigenaftrek + MKB-vrijstelling
🇪🇸
Spain
IRPF brackets + tiered Autónomos contribution
🇨🇭
Switzerland
Federal + cantonal tax across 26 cantons + AHV/IV/EO
🇸🇪
Sweden
Kommunalskatt + Statlig inkomstskatt + Egenavgifter
🇨🇦
Canada
Federal + 6 provinces + CPP1 / CPP2 contributions
🇦🇺
Australia
Progressive brackets + Medicare Levy

Built for realistic planning and budgeting — not a substitute for filing. Always confirm final numbers with a local tax professional.

INSIDE FLEO™

What you'll actually see.

A live look at the Dashboard — the home screen that pulls numbers from every other tool automatically.

fleo.html
Dashboard Rate Oracle Revenue Projects Invoices Tax Vault
Ideal Rate
$74/hr
Monthly Target
$6,200
Active Projects
4
Active Clients
7
Annual Revenue Progress68%
Client — Nordbridge LtdOn Track
Client — Halden StudioOn Track
Client — Reyes & Co.Watch
Client — SablewoodOn Track
Net take-home (est.)$4,530 / mo
Estimated tax (year)$18,240
6-month trend↑ 12%
Time ROI (avg.)$68/hr

INVOICE FORGE

Four templates. Pick the one that fits your brand.

ModernClean sans-serif, cyan accent
MinimalMonospace, sharp double borders
ClassicSerif headings, navy letterhead
BoldDark header band, bright accent

WHO IT'S FOR

Built for independent workers at any stage.

Find the description that fits — it shapes exactly how you'd use FLEO™ from day one.

Just starting out

The new freelancer

You've taken your first clients but aren't sure what to charge, how to invoice properly, or how much to set aside for taxes. Rate Oracle and Tax Vault give you numbers to anchor every decision that follows.

Juggling clients

The multi-client freelancer

Several active clients and projects, and it's getting hard to track who pays what, when, and whether each one is actually worth it. Projects and Client Compass were built exactly for this.

Going full-time

The leap-of-faith freelancer

Moving from a salaried job to full-time freelance and need your real financial picture — income needed, taxes owed, progress toward sustainability. The Dashboard becomes your daily home base.

Established, scaling

The experienced solo operator

You want a sharper system: real profit per project, organized invoicing across currencies, and accurate tax planning across borders if you work internationally.

YOUR DATA STAYS YOURS

Nothing you enter is ever uploaded anywhere.

🔒

No servers involved

Your rates, revenue, clients, invoices and expenses are saved locally, inside your browser, on your device — full stop.

📦

You control your backups

One click exports a complete JSON backup — projects, clients, invoices, tax settings, everything — for safekeeping or moving to a new device.

Works with zero connection

Open the file on a plane, in a co-working space with no wifi, wherever — every calculation runs locally, instantly.

🧾
Your data
🌐
Your browser
💾
Your device
✕ NEVER SENT TO A SERVER — EVER

HOW IT COMPARES

Spreadsheet chaos. Subscription fatigue. Or FLEO™.

  Generic Spreadsheet Subscription SaaS FLEO™
Real tax brackets per country ✕ Manual, error-prone Sometimes, 1–2 countries ✓ 12 countries built-in
Ongoing cost Free, but your time $15–40 / month, forever One-time payment
Your data location Local file or cloud sheet Their servers Your device, only
Net profit per project Build it yourself Rarely included ✓ Automatic
Professional invoices Separate tool needed ✓ Usually included ✓ 4 templates, 3 formats
Works fully offline ✓ Usually ✕ Requires connection ✓ Always
Setup time Hours, from scratch 30–60 minutes ~15 minutes

PRICING

One payment. No catch, no renewal.

Everything above — all 9 tools, all 12 tax jurisdictions, every invoice template — for a single upfront price.

Limited-time launch code
$39 USD · one-time

No subscription. No account. No recurring charge — ever.

15% off at checkout FLEO15

Enter FLEO15 in the coupon field at Gumroad checkout to take 15% off. This code is available for a limited time while FLEO™ is in launch — it may be retired or changed without notice.

  • All 9 tools, no feature gates or tiers
  • Tax Vault for 12 countries
  • 4 invoice templates, 3 legal formats
  • The full Getting Started Guide
  • Free updates to the file you own
Get FLEO™ for $39
Payment providerGumroad
DeliveryInstant download
LicensePersonal use
UpdatesIncluded, free
Refund policyGumroad standard
Prefer to read the full product page first? →

FAQ

Questions worth answering before you buy.

Is my data really safe? Where does it go?+
Everything you enter is saved automatically to your browser's local storage on your own device. FLEO™ has no servers and nothing is ever uploaded — your financial data never leaves your computer or phone unless you export a backup yourself.
Is this a subscription?+
No. FLEO™ is a one-time purchase through Gumroad. You download the file once and it's yours to use for as long as you want — no recurring charge, ever.
Does it work on Mac, PC, and mobile?+
Yes. FLEO™ runs in any modern browser on Windows, macOS, iOS, and Android. The one difference is PDF generation — on mobile, invoices download as an HTML file you open and print or share from your browser, since mobile handles print dialogs differently than desktop.
Are the tax numbers accurate enough to file with?+
Tax Vault uses real progressive brackets and major social contributions for each supported country, and is built for planning and budgeting — knowing roughly what to set aside and when. Personal circumstances (dependents, additional income, local surcharges) can shift the final number, so always confirm with a tax professional before filing.
How do I move my data to a new device?+
Go to Settings → Export Backup on your current device — this downloads a JSON file. Transfer it to your other device however you like (email, cloud drive, AirDrop), then open FLEO™ there and use Settings → Import Backup. Everything restores instantly, since there's no automatic cloud sync by design.
What if I lose the file or my computer breaks?+
As long as you've exported a backup at some point (one click, five seconds), you can restore everything on a new device via Import Backup. The guide walks you through making this a monthly habit from day one.
Do you offer refunds?+
Purchases are handled through Gumroad's standard checkout and refund policy. If FLEO™ isn't right for you, reach out and we'll take care of it.
What exactly do I get after purchase?+
A download containing the FLEO™ system file and the full Getting Started Guide — a companion walkthrough covering every tool, a 6-step first session, best practices, and troubleshooting. No account or installer needed.

READY WHEN YOU ARE

Set your rate. Know your tax. Get paid properly.

One file, one payment, yours for good. Open it tonight and you'll have your rate, your tax estimate, and your annual goal set up before you close your laptop.

Get FLEO™ — $39
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