Freelancing without a financial safety net?

These tools were built for you.

Finance calculators designed for irregular income, no employer match, self-employment tax, and the feast-or-famine reality of freelance work.

Your Tools

Freelancer Retirement Planner

Plan retirement with irregular income and no employer match. Compare Solo 401k, SEP IRA, and Roth options with self-employment tax impact.

Freelancer Invoice Payment Gap Calculator

Model cash flow gaps from delayed client payments (net 30/60/90) and calculate the emergency buffer you need to stay solvent.

Gig Worker Quarterly Tax Pro

Calculate quarterly estimated tax payments across multiple gig platforms. Includes estimated penalty calculator and safe harbor advisor.

Side Hustle Break-Even Calculator

Find out when your side project pays for itself. Compare time and money invested against revenue to see if it beats a raise.

Variable Income Budget Planner

Budget with irregular income using rolling averages and worst-month buffers. Visualize income smoothing and build a variable income safety net.

Gig Worker Quarterly Tax Set-Aside Planner

Estimate quarterly tax reserves for freelance and gig income with safe-harbor aware monthly and quarterly targets.

Side Hustle Tax Calculator

Estimate side-hustle tax impact and set monthly/quarterly reserves with clear non-advice planning disclosures.

Emergency Fund Calculator

Build a personalized emergency-fund target using dependents, job stability, deductible exposure, and savings velocity.

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Frequently Asked Questions

How should freelancers save for retirement?

A Solo 401k lets you contribute up to $69K/year (2024) as both employee and employer. A SEP IRA is simpler but maxes at 25% of net income. Our planner compares both.

How much should I set aside for taxes?

A safe starting point is 25-30% of net income for federal + SE tax. Our quarterly tax calculator gives you a precise number based on your actual income and deductions.

How big should my emergency fund be as a freelancer?

3-6 months of expenses is standard for employees. Freelancers should target 6-12 months because income gaps are normal. Our invoice gap calculator helps you size the buffer.