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For independent creators

Four platforms in one book. Sponsors invoiced. Tax set aside as the money lands

Dev Malhotra runs a channel, sells templates on Gumroad and an app on the App Store, alone.

Four platforms, one income line

YouTube, Gumroad and the app stores arrive with fees apart; sponsors are invoiced and reminded.

Accounts and rails in depth →
Four platforms, and no spreadsheet between them

YouTube pays on the twenty-first, Gumroad every Friday, the App Store a month late. What did the month actually earn, after everyone's cut?

Owed3,200 USD1 sponsor
Overdue0 USDnothing late
Received5,400 USDthis quarter

INV-0003Keel KeyboardsSep 233,200Sent

INV-0002Northlight DisplaysAug 192,800Paid

INV-0001Keel KeyboardsJun 242,600Paid

Sponsors invoiced, reminded, paid

Four figures as filters: owed, overdue, received this month, paid without an invoice; each one opens its own list.

Dev Malhotraorla.finance/devmalhotra · a page under your own name
Amount3,200 USDForSponsored segment, SeptemberFromKeel Keyboards

Pay by cardBank transferUSDC

A visitor names an amount and gets a link of their own; the row lands paid, receipt attached

A payment page under your own name

A request by link, and a permanent payment address for the space.

Tax, gear and the budget

The tax year ready before you file, and gear filed with its receipt.

Reports and tax in depth →
The tax year ready before you file

The USDC a sponsor paid is a lot with a cost of its own. Does every asset add up, does the book say what the chain says, and is the year sealed?

Expensesfiled by their own history · USDAllIncomeSpending

DatePayeeCategoryAmount

Sep 17 09:40 AMJonah Reed · editing🎬 Editor−900 USD

Sep 14 11:02 AMCamera store · lens🎥 Gear−260 USD

Sep 9 06:00 PMCreative suite💻 Software−59.99 USD

Sep 3 08:15 AMChannel · August payout🏦 Income+2,240 USD

Gear, software and the editor, filed on their own

The inbox holds everything that arrives: quarantined mail, receipts, and the expenses still without paper.

Subscriptions

•••• 1180

Frozen

OrlaVirtual

4512 •••• •••• 4419

Tools and gearDev MalhotraExpires09/29

A card for tools and gear, topped up in USDC

A virtual card from a prepaid balance, topped up in USDT or USDC when it runs low.

September 2026 · 4 budgets

💻 Software & subscriptionsOver by $18112%Over

🎥 Gear$140 left65%Inside

🎬 Editing$0 left100%Inside

📣 Promotion$120 left33%Inside

What the month may spend, and what is left

Monthly limits per category, what is left of each, what slipped past.

Calendar · next 30 days5 dated sums · 258 USD · balance after them 9,542

Sep 24Notes app10recurring

Sep 26Rail · shoot in Chicago140recurring

Oct 3Creative suite59.99renews

Oct 4Music licence17.99recurring

Oct 9Transcription30recurring

Every subscription on one calendar

Everything dated on one page: what is overdue, what falls this week, what is coming in, and where the balance lands at month end.

The assistant

Ask it what your tools cost you now

Platforms pay in bursts and subscriptions creep; the composer reads the charges themselves and compares the last with the typical one before it.

The assistant in full →

What it takes on

Subscriptions that got dearer
The last charge against the typical one before it, in the supplier's own currency, so a month with an extra seat does not read as a rise. A press writes the new price into the plan.
VAT by the day the period closes
What has accrued, and where the period's own pace leads by its last day, with a goal card on the tax account. Nothing here moves money.
Who is overdue, and what next
One line per client: how late the oldest invoice is, the reminders sent, what they promised, and one next step with its reason. Write it down and Send it are a press each.

Connections

Platform earnings, read every day

Orla reads daily earnings from eleven platforms, and Dev uses four of them. The bank comes by feed or by statement.

  • YouTube
  • Gumroad
  • App Store
  • Lemon Squeezy
  • Google Play
  • Etsy
  • Google AdMob
  • Bandcamp

Who does what

You, your editor and your accountant

Founder
Sees four platforms as one figure, sends the sponsor's invoice, and knows the tax estimate before April.
Contractor
The editor is paid from the same book as a contact with a rail, not a seat.
Accountant
Has the month in files, and can look inside the closed period.

Control and trust

Read-only keys and your own number

Read-only keys
A platform key reads earnings and payouts and nothing else; a key with payment rights is refused.
Paper
A receipt finds its own payment; rows without paper are waived in bulk when there never was any.
Your own number
Reminders go out on WhatsApp or SMS from your own number, so the sponsor knows who is writing.
Rules
A rule written in words files the next Adobe charge the way the last one was filed, and can be undone.

Questions

The questions that come first

Do I have to give Orla my YouTube or App Store password?

No. YouTube and the stores connect with a sign-in on the platform that grants read access to earnings; Gumroad and PayPal connect with a key you make there. A key with payment rights is refused, whatever platform it comes from.

Is the tax estimate advice?

No. It is an estimate from your own rows and the profile you set: jurisdiction, filing status, what you already paid. It is there so the amount to set aside is a figure, not a guess. Your accountant still files the return, with the rows to back it.

Does the free plan cover one creator?

The free plan has no card and no time limit, and it includes one business space to try. Paid plans start at $25 a month; any single limit can be raised with a pack instead of a plan change, so one person pays for what they use.

See it on your own books

Thirty minutes: we connect an account, drop a real bill in, and close a month together.