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. GuideHow to Set Your Freelance Rate: The Overhead Math Behind the Hourly NumberThe overhead math that turns a target salary into an hourly number.
  5. Free toolHourly to Salary CalculatorTranslate between W-2 offers and your contract rate.
  6. Free toolEmergency Fund CalculatorFreelancers need a deeper cushion: size yours.
  7. Free toolSavings Rate CalculatorTrack the one number that matters across good and bad months.
  8. GuideW-2 vs. 1099: Same Pay Is Not the Same MoneySame pay is not same money: what the 1099 really has to cover.
  9. GuideLLC vs. Sole Proprietorship for Freelancers: Liability, Taxes, and the S-Corp QuestionWhat an LLC changes (liability) and what it does not (taxes).
  10. Free toolSelf-Employment Tax CalculatorPrice both halves of FICA before you spend the invoice.
  11. GuideSelf-Employed Tax Deductions: The Ten That Actually Move the BillThe ten deductions that actually move a freelancer's bill.
  12. GuideQuarterly Estimated Taxes Without the DreadSafe harbor, the four deadlines, and the set-aside habit.
  13. Free toolQuarterly Tax CalculatorHit the safe harbor and stop fearing the four deadlines.
  14. Free toolSolo 401(k) CalculatorRetirement without an HR department: your real contribution room.
  15. GuideSolo 401(k) vs. SEP IRA: Which Retirement Account Fits Your Self-Employment IncomeTwo self-employed retirement accounts, and why the solo 401(k) usually holds more.

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