Tools built around irregular income
Fidelity Heritage Union brings together forecasting, capital allocation guidance, and plain-language reporting so freelancers and independent workers can plan with more confidence, month to month.
Designed for income that doesn't arrive on a schedule
Traditional budgeting tools assume a steady paycheck. Fidelity Heritage Union was built for the opposite reality — work that pays in bursts, gaps, and unpredictable cycles. Every feature below exists to reduce the guesswork that comes with that pattern.
- Forecasts that adjust as new income and expense data comes in
- Allocation suggestions based on your own historical patterns
- Reports written in plain language, not financial jargon
- A single view of income across multiple clients or platforms
What Fidelity Heritage Union does for you
Each feature is intended to work together as part of a single view of your finances, rather than as separate disconnected tools.
Predictive cash flow modelling
Fidelity Heritage Union analyzes your income history to project likely cash flow over the coming weeks, helping you anticipate lean periods before they arrive.
Guided capital allocation
Get suggestions on how to divide incoming payments across savings, taxes, and operating costs, based on patterns specific to your work history.
Consolidated income tracking
Bring together payments from multiple clients or platforms into one place, so you're not piecing your financial picture together from scattered records.
Plain-language reports
Regular summaries translate the numbers into clear takeaways, so you can understand where you stand without needing a finance background.
Variable income planning
Set aside targets and buffers that flex with your actual earning pattern, rather than a fixed monthly assumption that doesn't match your work.
Clear methodology
Every projection and suggestion is traceable back to the data behind it, so you can see how Fidelity Heritage Union arrived at a given recommendation.
From raw income data to a usable plan
Connect your income sources
Link the accounts, platforms, or invoices where your income originates. Fidelity Heritage Union builds a picture of your earning pattern from this history.
Review your forecast
See a projection of likely cash flow over the coming weeks, along with the assumptions and data points behind it.
Follow allocation guidance
Use suggested splits for savings, taxes, and operating costs as a starting point, adjusting them to fit your own priorities.
Track and adjust over time
As new income arrives, forecasts and reports update, so your plan reflects your actual, current situation rather than a static estimate.
Reporting you can actually follow
Reports are structured to show both the outcome and the reasoning, so figures are never presented without context.
Monthly income summary
Example viewBuilt to be understood, not just read
Each report explains what changed since the last period and why, rather than presenting numbers in isolation. The goal is that you can act on the information without needing to interpret it first.
- Figures are labelled with the assumptions behind them
- Changes are highlighted against your previous forecast
- Guidance is framed as a suggestion, not a directive
Feature FAQs
Does Fidelity Heritage Union guarantee income forecasts will be accurate?
No. Forecasts are estimates based on historical patterns and available data. They are intended as planning support, not a guarantee of future income or financial outcomes.
Can I use Fidelity Heritage Union with income from several different sources?
Yes. The consolidated tracking feature is designed to bring together income from multiple clients, platforms, or accounts into a single view.
Do the allocation suggestions replace professional financial advice?
No. Allocation guidance is based on your own data patterns and is meant as a starting point for your own decisions, not a substitute for advice from a qualified professional.
How often are reports updated?
Reports and forecasts update as new income and expense data is recorded, so the information you see reflects your most recent activity.
See these features in your own numbers
Request a demo to walk through forecasting, allocation, and reporting with data that reflects how you actually work.
Request a demoFidelity Heritage Union provides planning support tools and does not offer financial, tax, or investment advice.