Estimate how much of your freelance income is available after business costs, taxes or reserves, personal expenses, and irregular costs.
Expected Income
Add the income you reasonably expect to receive during the planning period.
Business Costs
Include recurring operating costs connected to your freelance work.
Tax & Financial Reserve
Enter the percentage you want to set aside from income for taxes or another financial reserve.
Personal Monthly Needs
Enter the personal expenses you want this freelance income to support.
Irregular Expenses
Enter costs that do not occur every month but that you want to account for in your cash-flow plan.
Cash-Flow Snapshot
This estimate shows how your planned income is allocated across business costs, reserves, and personal expenses.
Where The Income Goes
Cash-Flow Check
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Income Sources Included
Using The Estimate
Freelance income can vary considerably between months. Consider testing the calculator with a conservative income estimate rather than relying only on your highest recent month.
A positive remaining amount does not automatically mean that the money is available for spending. You may still have debt payments, savings goals, annual bills, or other obligations that are not included in this calculation.