Free tool · tax reserve planning

What’s safe to spend this month?

Put in what came in, what you owe, and what you want to keep. Get one number you can actually spend. It runs in your browser: no signup, nothing saved.

Your month

Rough numbers are fine. Everything updates as you type.

$
Before tax, after any platform fees.
$
Software, equipment, coworking: costs of doing the work.
%
Your own estimate of income tax + self-employment tax as a share of profit.

Planning only, not tax advice. The right percentage depends on where you live and your situation. If you’re unsure, ask an accountant or check your tax authority’s guidance.

$
Rent, utilities, phone, insurance, subscriptions.
$
Emergency fund, buffer for slow months, anything you want to keep.
Safe to spend this month
—

Enter your income to see your number.

Per week—
Set aside this month—
Tax reserve$0
Savings$0
Where $0 goes
  • Business
  • Tax reserve
  • Bills
  • Savings
  • Safe to spend

Want this every month automatically?

The Freelancer Budget + Tax Set-Aside sheet does this math each time a payment lands, tracks your buffer and forecasts slow months. Google Sheets, Excel and Numbers.

Also want debt and subscription planners? See the Personal Finance Bundle · $15.

Get the sheet · $19

How it’s calculated

Profit = income − business expenses. Tax reserve = profit × your %. Safe to spend = income − business − tax reserve − bills − savings.

Per week

Monthly safe-to-spend × 12 ÷ 52, so a typical week of an average month.

Irregular income?

Use the 3-month mode. It plans from your average and tells you how your lowest month compares.