THE STORY BEHIND INORDA
Hi, I’m Michelle.
I'm an accountant with 25 years' experience, and the founder of Inorda.
Over the years, I've helped people understand their finances, but I kept coming back to the same problem. Knowing what's in your bank account doesn't always tell you what you can actually afford.
And when you're self-employed, it's even harder. Your work, income, tax and personal spending are all connected.
That's where the idea for Inorda began.
01
It started with my own business.
As an accountant and someone who's self-employed, I wasn't struggling to find work. I was struggling to see the bigger picture.
I wanted a simple diary that showed the work I'd already booked, where I had gaps and what I could potentially earn each month.
Because my fees vary depending on the work I do, I also wanted to understand my average hourly rate and what each new job was really worth.
I couldn't find anything that brought it all together.
So I decided to build it myself.
“I wanted to see my month at a glance and what I could earn.”
02
Then I realised it wasn’t just me.
The more I built Inorda, the more I realised the questions I was asking were the same ones I'd heard from clients for years.
“Can I afford to take next week off?”
“How much tax should I put aside?”
“If I buy this now, will I still have enough next month?”
I realised I wasn't just building a diary.
I was building something to help people make better decisions about their money.
“These weren’t just my problems - they were the same questions I heard from clients every week.”
03
Business and personal money belong together.
One thing became obvious as Inorda developed.
When you're self-employed, what happens in your business affects what you can afford in your personal life.
Your business income helps pay the mortgage, buy the shopping, cover family expenses and fund the things you want to do.
Yet most apps treat business and personal money as completely separate worlds.
I wanted Inorda to bring them together, so you could see the whole picture.
“The money you earn through your business pays for everyday life.”
04
How much should I put aside for tax?
One question I've been asked countless times as an accountant is:
“How much tax should I put away from this payment?”
It sounds simple, but when you're self-employed, every invoice and expense can change your profit — and therefore your tax.
So I built a tax feature that uses projected income and expenses to estimate your tax liability and suggest how much to put aside from each payment.
The aim is to take some of the guesswork out of saving for tax, even as your business changes throughout the year.
“Knowing what you’ve earned is one thing. Knowing how much to put aside for tax is another.”
A personal thank you.
Thank you for taking the time to learn about Inorda.
Building this app has been quite a journey, and it's still one I'm learning from every day.
I genuinely hope Inorda becomes something that helps make everyday money decisions a little easier and gives you more confidence about what's ahead.
Thank you for being part of the journey.
Michelle x