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Freelance Income

Income Floor

The minimum monthly revenue you need to cover fixed costs, taxes, and base savings. Your "never below this" number.
Your Monthly Income Floor
$10,034
Gross revenue needed to clear the floor
Net Take-Home Needed
$6,500
Fixed costs + savings target
Annual Floor
$120,408
Yearly revenue baseline
Where Every Dollar Goes
💡 Your Never-Below Number
You need $10,034/mo in gross freelance revenue to cover $5,500 in fixed costs, $1,000 in savings, taxes, and a buffer. Below this, you're going backwards.
Estimate based on inputs provided. Your real tax rate depends on filing status, state, and deductions. Build a 3 to 6 month buffer above your floor.
🏛 Predictable Income

Income Floor Calculator

Every freelance business needs an income floor, the minimum monthly revenue number that covers the non-negotiables before any discretionary spending or growth. Without one, freelancers ride the feast or famine wave and panic-accept work they shouldn't take, because they don't know what number actually keeps the lights on. Your income floor is the sum of three things: your fixed monthly expenses, your monthly tax set-aside, and your minimum monthly savings contribution. Everything above the floor is upside. Everything below it is a problem. This Income Floor Calculator does the math instantly. Enter your monthly fixed costs, your tax rate, and your savings target, and see the gross monthly revenue you need to clear the floor every month. It's the single most important number in a freelance business, because it tells you when to say no, when to push for new work, and when you can afford to take a slower client or a creative passion project. Knowing your floor is what separates a freelancer who survives the bad months from one who panics through them.