Freelancing means being your own CFO. These tools handle the math of pricing your work, comparing salaried offers, and building the cushion that keeps you sane between contracts.
Your floor rate: the hourly number below which freelancing pays less than employment. The freelance rate calculator builds it from your income goal, expenses, and realistic billable hours — everything else (project pricing, retainers, negotiations) builds on that floor.
A common rule is 25–30% of every payment, moved to a separate account the day money arrives. Use the savings goal calculator with your estimated quarterly payment as the target to build the habit before the first deadline.
Larger than an employee's — 6–9 months of expenses is the common advice, because income is lumpy and there is no severance. The savings goal calculator converts that target into a monthly deposit.