Tool for freelancers to calculate how much money to set aside
After having been a regular employee for years, I worked as a freelancer for a while. Going into my freelancing life I had no real mental model for how much of the money I earned was truly mine to spend, and how much of it I needed to set aside for taxes, vacations, retirement, and in case I got sick. I modelled this in Excel as best I could and was quite surprised both by how complicated it was to get right, and how much money I actually needed to set aside! As my girlfriend also started freelancing last year, I decided to turn my Excel sheet into a little program she could use too, and in…
Tool for freelancers to calculate how much money to set aside launched on April 16, 2022 with 24 votes, #830 of 2,974 launches that month and more than 75% of that year's launches.
In plain words
This tool helps freelancers determine how much income to set aside for taxes, vacations, sick leave, and retirement. Built by a former employee turned freelancer who discovered through personal experience how complex financial planning becomes without a regular paycheck, it simplifies calculations that were initially done in Excel. The tool addresses a common problem among independent workers: underestimating how much money must be reserved rather than spent, particularly for unexpected illness and long-term retirement savings.
written from the facts on this page · September 2026
From the sources
In the maker’s words, at launch
After having been a regular employee for years, I worked as a freelancer for a while. Going into my freelancing life I had no real mental model for how much of the money I earned was truly mine to spend, and how much of it I needed to set aside for taxes, vacations, retirement, and in case I got sick. I modelled this…
Does a similar job
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My #2 in a string of websites I'm trying to make this year. When evaluating freelancing offers, I found myself writing a little script that did the math on how much more I'd need to charge. Days off, self employment tax, health insurance.. lots of factors. This simple web calculator does it for you. Let me know if you have any feedback or additional factors I've forgotten to add!
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Source: Show HN post ↗ · launch text quoted in part
Launched alongside, April 2022
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