Built for freelancers who move capital between projects, not just invoices.
Dieu Kimhung exists for a narrow, specific problem: deciding where working capital should sit when you run several engagements at once. Here's why independents choose us over generic finance tools.
Most tools track money. Few help you decide where it should go next.
Spreadsheets and accounting software are good at recording what happened. They rarely tell you, in plain terms, whether this month's surplus is better held as a buffer, redeployed into an active project, or set aside for a tax obligation three months out.
Dieu Kimhung was built around that specific decision point — not as a bookkeeping replacement, but as the analysis layer that sits above your existing records.
Four reasons freelancers rely on Dieu Kimhung
Built for variable income
Our models assume irregular cash flow is the norm, not an exception — because for independents, it is.
Project-level, not account-level
Capital is viewed per project and per commitment, so you see where money is tied up, not just what's in the bank.
Reasoning you can read
Every suggestion is paired with the logic behind it, so you can check it against your own judgement before acting.
No bundled services to upsell
We stay focused on analysis and allocation guidance — we don't push banking, invoicing, or lending products.
Dieu Kimhung next to a typical spreadsheet or generic budgeting app
Generic tools are built for broad use cases — household budgets, simple savings goals, basic expense categories. They weren't designed around the specific rhythm of project-based freelance income and multi-project capital movement.
Dieu Kimhung narrows its focus deliberately, which is what allows the allocation logic to go deeper on this one problem.
| Capability | Generic tool | Dieu Kimhung |
|---|---|---|
| Tracks balances and transactions | Yes | Yes |
| Groups capital by project | Rarely | Core feature |
| Suggests allocation across projects | No | Yes, with reasoning |
| Flags idle or at-risk capital | No | Yes |
| Built around irregular income patterns | No | Yes |
An analysis layer, not another dashboard to maintain
We built Dieu Kimhung so it connects to information you already track, rather than asking you to re-enter it somewhere new. The aim is to reduce the number of places you have to check, not add one more.
Allocation suggestions update as your project list and balances change, so the guidance stays current without manual upkeep on your part.
Where this matters most
Juggling three client contracts at once
When deposits, milestone payments, and expenses land across several active projects in the same week, Dieu Kimhung shows what belongs to which commitment before you move anything.
Clearer sense of what's actually free to spend
Instead of treating your total balance as one number, you see what's earmarked, what's buffer, and what's genuinely available for the next decision.
A slow month after a strong one
Dieu Kimhung looks at your recent pattern of income and committed costs to suggest how much of a prior surplus should stay reserved.
Fewer reactive decisions under pressure
Having a documented allocation plan ahead of a lean period makes it easier to stick to a plan rather than improvise.
See how Dieu Kimhung would read your current projects
Connect your data and review the first allocation report at no obligation to continue.
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