Financial Planning Calculators
Plan your emergency fund, retirement contributions, and savings strategy as an irregular-income earner.
Irregular income makes personal finance harder — you can't just set a fixed monthly savings amount when your income varies by 3× from month to month. These calculators are built for the realities of freelance cash flow: how much emergency fund you actually need, how to save for retirement as a self-employed person, and how to build financial stability without a predictable paycheck.
Freelance Emergency Fund Calculator
Calculate how large your emergency fund should be as a freelancer and how much more you need to save.
Savings Rate Calculator (Irregular Income)
Calculate your current savings rate on irregular freelance income and see how much to set aside each month.
Self-Employed Retirement Calculator
Calculate your maximum self-employed retirement contribution for SEP-IRA, Solo 401(k), or SIMPLE IRA.
Freelance Income Goal Calculator
Calculate the gross revenue you need to earn as a freelancer to hit your desired take-home pay after taxes and expenses.