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Freelance Income

Savings Rate

Calculate your true savings rate accounting for taxes, business expenses, and irregular income.
True savings rate
0%
Of after-tax income
Total annual savings
$0
Years to financial independence
0
Where every revenue dollar goes
💡 Savings insight
FI estimate uses 25x annual personal expenses. Adjust if your safe withdrawal rate is higher or lower.
🏛 Predictable Income

Freelance Savings Rate Calculator

The Freelance Savings Rate Calculator gives you a real savings rate that accounts for the structural differences between freelance and W-2 income. You enter your annual gross revenue, business expenses, taxes paid, personal expenses, retirement contributions, and other savings or investments. The calculator returns your true savings rate as a percentage of after-tax income, your total annual savings, and a rough years-to-financial-independence estimate. Use it during your annual financial review. Most freelancers calculate savings rate against gross revenue and overstate it by ten to fifteen percentage points; the after-tax, after-business-expense rate is the one that maps to actual financial independence calculations.