A steady paycheck out of an unsteady year.
Larkspur watches what lands in your business account, holds back what the tax will want, and pays you the same amount on the 1st of every month — whether that month was $2,100 or $19,400.
60 days free · no card · read-only bank connection
Used by studios, solo founders and freelancers at
March was $2,100.
April was $19,400.
Both times, Ines paid herself $7,850.
Ines Marchetti runs a two-person brand studio in Lisbon. Her income has always been lumpy — a retainer ends, a big project lands, three invoices go late at once. What changed isn't how much she earns. It's that the number arriving in her personal account stopped moving.
Larkspur held the April surplus, released it across the quiet months, and moved 28% of every euro into a separate tax account on the day it arrived.
- March in
- $2,100
- April in
- $19,400
- Paycheck
- $7,850
The smoothing calculator
Put six real months in. See the steady number come out.
Drag your last six months of revenue. The chart shows what actually arrived against what Larkspur would have paid you. Nothing is sent anywhere — this runs in your browser.
Your six months
Revenue in- Your monthly paycheck
- $0 Same amount, 1st of the month, every month.
- Set aside for tax
- $0 $0 a year, in an account you own.
- Reserve after 12 months
- $0 About 0 months of paycheck if the work stops.
The money didn't get more reliable. The rhythm did.
What actually happens
One account in. Three accounts out.
Larkspur sits beside your business account, not in front of it. It reads what arrives, decides what to do with it, and moves money on a schedule you approved once.
An invoice clears
Larkspur sees the deposit within a few hours. Nothing moves yet — it waits until the money has actually settled, usually the next business day.
Tax comes off the top
Your rate, applied to the gross, moved into a separate tax account in your own name. You cannot spend it by accident because it isn't in the spending account.
The buffer takes its share
A slice — usually 15% — stays in the reserve. This is the money that makes February look like April. You can see the balance at any time and pull it out whenever you like.
The paycheck goes out on the 1st
The same amount, to your personal account, at 07:00 local time. If your reserve can't cover it, Larkspur tells you fourteen days early and shows the smaller figure.
- Founders paid
- 11,400
- Smoothed since 2021
- $214m
- Missed paycheck dates
- 0
- Median tax surprise
- $0
People taking a Larkspur paycheck as of March 2026.
Business income turned into predictable monthly pay.
In 41 months of operating. We publish the incident log.
Down from a self-reported $6,200 before Larkspur.
The part people actually thank us for
Tax stops being an event.
The reason a good year can end badly is that the tax bill arrives long after the money has been spent. Larkspur takes the rate off the top on day one and never gives it back to the spending account.
You set the rate yourself, or your accountant sets it for you with a read-only invite. Larkspur then produces a dated schedule of what is due and when — 15 April, 15 June, 15 September, 15 January for US federal estimates; 31 January and 31 July for UK payments on account. It will not file for you and it will not argue with your accountant.
Rate you control
Change it any time. The next deposit uses the new rate; nothing is retroactively reshuffled.
Accountant view
A read-only link showing gross in, set-aside, and the schedule. No spending data.
Plainly
What Larkspur is not.
Four things worth knowing before you spend an afternoon on this. If any of them are dealbreakers, better you find out now than in month three.
Not a bank
Larkspur holds no deposits. Your money sits in accounts at your own bank in your own name. We move it on a mandate you approve and can revoke in one click. If Larkspur vanished tonight, every pound and dollar would still be exactly where it is.
Not tax advice
We apply a percentage you choose and produce a schedule of dates. That is arithmetic, not advice. We are not a substitute for an accountant, and the set-aside rate we suggest is a sensible default, not a ruling on your situation.
Not a lender
We never front you money. A steady paycheck is paid out of your own reserve, which is why the first one or two months usually land lower than your steady number while the buffer fills. We show you that curve before you start.
Not for salaried income
If your pay already arrives on the 25th of every month, Larkspur has nothing to smooth. This is built for income that arrives when clients feel like it — freelancers, studios, contractors, and founders paying themselves out of revenue.
Three people, three shapes of year
What changed, in their words.
Questions
The ones people actually ask.
Your paycheck goes out anyway, from the reserve. Larkspur shows you a countdown of how many consecutive empty months your reserve can absorb — at a 15% buffer rate and a typical year, that tends to sit between two and four months.
If the reserve is about to run dry, you get a notice fourteen days before the payment date with the reduced figure, not a surprise on the 1st.
We initiate transfers between accounts you own, under a mandate you set up once and can cancel in one click. Larkspur never holds a balance, never takes custody, and cannot move money to a third party. Every transfer appears on your own bank statement with a Larkspur reference.
Usually the third month. The first two are lower because the reserve is filling — you are paying yourself from money you have already earned, and there isn't a cushion yet.
Larkspur shows you the exact curve on day one, before you connect anything. Some people front the reserve with savings and go straight to the steady number; most just ride the two months.
Take it. The reserve is your money in your account. There is a 'release' button that moves any amount to your personal account same-day, and Larkspur recalculates the steady number afterwards so you can see what the withdrawal cost you in future stability.
The United States and the United Kingdom. US accounts connect through ACH with 9,800+ institutions; UK accounts through Open Banking with all CMA9 banks plus Starling, Monzo, Tide and Revolut Business. Ireland and Canada are on the roadmap for late 2026 — we would rather say no than half-support a country.
Yes, with a read-only invite you control. They see gross income, the set-aside balance, and the payment schedule. They do not see your personal spending, and they cannot move money. You can revoke the invite without telling them, which is occasionally useful.
Find out what your steady number is.
Connect an account read-only, or just type six months of figures in by hand. Larkspur tells you the paycheck it could hold, before you commit to anything.
No card. Cancel by email or in two clicks. We delete your data within 30 days.