Build an AI freelancer income smoothing app. Features: 1) Income entry: log payments as they arrive with source, amount, date, and category, or import from CSV or bank connection, 2) Pay-yourself calculator: AI analyzes your 3-6 month income history and suggests a consistent monthly draw that keeps you safe during lean months, 3) Buffer tracking: show how much of your income is being held in reserve and when it is safe to increase your draw, 4) Cash flow forecast: AI predicts the next 30-60 days of income based on client payment patterns and project pipeline, 5) Tax set-aside: automatically calculate and set aside a percentage of each payment for taxes, 6) Client reliability scores: AI rates your clients by payment consistency and flags slow payers, 7) Income volatility dashboard: charts showing month-to-month variability with a stability score, 8) Smart alerts: notify when a buffer drops below a safe threshold, when a client is overdue, or when a big payment creates an opportunity to draw more, 9) Annual projection: AI projects your likely annual income range based on current trends. Use a calm, reassuring finance dashboard with green stability indicators and clear recommended actions.