Money Management
Take control of your freelance finances. Budget, save, plan for retirement, and build long-term wealth.
29 free calculators
401(k) Employer Match CalculatorAn employer 401(k) match is the closest thing to free money in personal finance — and a remarkable number of employ…Use calculator →Freelance Annual Income Planner"I want to earn $100k" is a wish. "I need 40 projects at $2,500 with a 30% close rate" is a plan. Work backward from …Use calculator →Benefits Package Value CalculatorA $90,000 salary is not $90,000 of compensation. Add the employer's health-insurance contribution ($8,000–$15,000 …Use calculator →Cost of Living Comparison CalculatorA $90,000 salary in one city can feel like $60,000 in another — or $120,000 somewhere else. Freelancers feel this h…Use calculator →Freelance Client Acquisition Cost CalculatorEvery client you win was purchased — with connects, proposal time, discovery calls, and follow-ups. Most freelancer…Use calculator →Freelance Client Lifetime Value CalculatorFreelancers obsess over project value and ignore the number that actually runs the business: what a client is worth o…Use calculator →Commute Cost Savings CalculatorCommute cost savings calculator helps you get a clear answer in seconds. Commuting is the only job expense most peopl…Use calculator →Coworking vs Home OfficeThe coworking-vs-home-office debate is usually argued with vibes: "I love the energy" versus "I love my sweatpants." …Use calculator →Currency-Adjusted Quote CalculatorQuoting a client in their currency feels professional — until the exchange rate moves 3% between your quote and the…Use calculator →Digital Nomad Cost-of-Living ComparisonThe digital-nomad pitch is seductive: earn Western rates, spend Chiang Mai prices, bank the difference. The reality i…Use calculator →Equipment Purchase ROIEvery freelancer knows the temptation: the faster laptop, the better monitor, the ergonomic chair that promises to en…Use calculator →Freelance Invoice Templates LibraryFreelance invoice templates helps you get a clear answer in seconds. A professional invoice gets you paid faster than…Use calculator →Freelancer Budget PlannerEmployee budgeting starts with a paycheck. Freelancer budgeting starts with a range. Your best month might be triple …Use calculator →Freelancer Cash Flow ForecastFreelancers rarely go broke from being unprofitable — they go broke from being illiquid at the wrong moment. The ta…Use calculator →Freelancer Emergency Fund CalculatorEmployees with steady paychecks are told to keep 3–6 months of expenses saved. Freelancers need more: when you are …Use calculator →Freelancer Expense TrackerFreelancer expense tracker helps you get a clear answer in seconds. Most freelancers can tell you their revenue to th…Use calculator →Freelancer Health Insurance Cost EstimatorFreelancer health insurance cost estimator helps you get a clear answer in seconds. Employees split health insurance …Use calculator →Freelancer Retirement Target CalculatorEmployees get retirement nudges by default — employer plans, auto-enrollment, matching contributions. Freelancers g…Use calculator →HSA Contribution Planner (2026)The Health Savings Account is the only triple-tax-advantaged account in the US tax code: contributions are deductible…Use calculator →Freelancer Invoice GeneratorThe invoice is the moment your work turns into money — and sloppy invoices delay that moment. Missing invoice numbe…Use calculator →Invoice Savings SplitterInvoice savings splitter helps you get a clear answer in seconds. Freelancers do not have a cash-flow problem as ofte…Use calculator →Late-Payment Reminder TemplatesUse calculator →Milestone Payment SplitterMilestone payment splitter helps you get a clear answer in seconds. The most dangerous invoice in freelancing is the …Use calculator →Payment-Terms ChooserMost freelancers spend hours perfecting their proposal — then paste in whatever payment terms the client suggests, …Use calculator →Profit-First Freelancer CalculatorProfit first freelancer calculator helps you get a clear answer in seconds. Profit isn't what's left — it's what yo…Use calculator →Project Profitability CalculatorRevenue isn't profit. A $5,000 project that eats 80 hours at your $75/hr opportunity cost loses money. Enter the real…Use calculator →Scope Creep CalculatorA "quick" 10-hour project that takes 14 hours isn't 40% over — it's a 29% pay cut. Enter what you quoted versus wha…Use calculator →Sep vs Solo 401(k) Calculator: 6 Easy Proven Tips (2026)Two retirement plans dominate the self-employed world: the SEP IRA and the Solo 401(k). Both let you stash serious mo…Use calculator →Subscription Cost Calculator$12/month feels like nothing. Twelve of them is $1,728/year. List your subscriptions to see the true annual cost — …Use calculator →