Stoia

Freelancer Money: Stable Finances on Unstable Income

Set a rate that covers taxes, smooth the lumpy months, and save for retirement without an HR department. Built for 1099 life.

For freelancers, contractors, and gig workers.

  1. Course step 10Master Money on an Irregular IncomeThe baseline-month system that makes lumpy income boring.
  2. GuideHow to Budget on an Irregular Income (Without Hating Your Life)Budget from your worst recent month, not your best.
  3. Free toolFreelance Rate CalculatorPrice your work so taxes and slow weeks are already covered.
  4. Free toolHourly to Salary CalculatorTranslate between W-2 offers and your contract rate.
  5. Free toolEmergency Fund CalculatorFreelancers need a deeper cushion: size yours.
  6. Free toolSavings Rate CalculatorTrack the one number that matters across good and bad months.
  7. Free toolSelf-Employment Tax CalculatorPrice both halves of FICA before you spend the invoice.
  8. Free toolQuarterly Tax CalculatorHit the safe harbor and stop fearing the four deadlines.
  9. Free toolSolo 401(k) CalculatorRetirement without an HR department: your real contribution room.

See your whole financial picture, calmly

Stoia brings everything you own and owe into one clear view. Launching in 2026 on iOS, Android, and the web.

Coming soon