Calculators
Free tools for variable-income earners.
Every classic personal-finance calculator assumes a steady paycheck. These don't. No email required, no sign-in, no upsell.
Taxes
Tax set-aside calculator
What percentage of every client deposit to route to a separate tax account.
Pay yourself
Owner pay calculator
The monthly paycheck your business can sustain without draining the reserve.
Reserves
Emergency fund sizer
How many months of essentials to hold, based on volatility, dependents, and earner status.
Baseline
Baseline income calculator
Turn lumpy deposits into the steady number you can budget against.
Retirement
SEP IRA vs Solo 401(k)
Side-by-side contribution limits for self-employed retirement accounts.