Tools

Practical calculators for independent income

Quick planning tools to turn fuzzy money questions into clearer next steps. These are educational estimates, not individualized tax, legal or investment advice.

Tax Set-Aside Planner

Choose a reserve percentage and see how much of an independent-work payment to move out of spending money.

Payment received ($)Reserve percentage

Freelance Rate Planner

Work backward from annual income goals and realistic billable hours.

Target annual owner pay ($)Annual business costs ($)Billable hours per weekWorking weeks per year

Irregular-Income Baseline

Use several recent months to estimate a conservative planning baseline.

Recent monthly income, comma separated

Emergency-Fund Target

See a simple range based on monthly essential spending and your chosen number of months.

Monthly essentials ($)Months of buffer