🇺🇸 USA • UPDATED 2026

Freelance Budget
Planner

Plan smart. Protect runway. Export with confidence.

Connected Toolkit
Standalone + Toolkit

Use Budget Planner directly, or finish the full toolkit sequence here.

Budget Planner works as a standalone budgeting tool, but it also serves as the final sink for the connected toolkit after Goal Planner hands off a gross target.

Toolkit Home Back: Income Goal Start at Hourly
Come here directly for budget control, or use it as the last step after rate, fee, tax, and goal planning are already connected.
⚡ Quick Start — Pick Your Profile
💵 Income & Settings
View:
$
Use gross freelance income before costs and tax reserve.
$
Reserve month chips use your planned outflow to build a faster savings target.
Smart
25%
30%
35%
Custom
Recommended tax reserve
—
Add income to estimate a tax reserve.
Tax reserve stays inside planned outflow, so it does not get spent accidentally.
🏠 Personal Expenses
Tap a quick-add chip or add your own need.
Tap a quick-add chip or add your own want.
💼 Business Expenses
Tap a quick-add chip or add your own overhead cost.
Tap a quick-add chip or add your own operating cost.
📊 Budget Summary Annual Plan
Personal $0.00
Business $0.00
Tax $0.00
Monthly Income
$0.00
Gross / Expected
Cash Reserve Savings
$0.00
Backup / Liquid savings
Personal Total
$0.00
Needs + Wants
Business Total
$0.00
Overhead + Operating
Tax Bucket 🪣
$0.00
Set aside, do not spend
Total Planned Outflow
$0.00
Personal + Business + Tax
Net Left (Take-Home)
$0.00
Income minus all planned outflow
Smart Budget Health
Enter income and planned costs to see if your budget is stable, tight, or at risk.
No Data
Runway
—
Needs Share
—
Business Share
—
Tax Reserve
—
Reserve Target Planner
Track 3, 6, and 9 month reserve targets against current monthly outflow.
Top Cost Drivers
See the biggest current line item in each spending bucket.
⚡ Priority Actions
Enter income to unlock your next best actions.
Cash Reserve Runway
– months
No Data
Toolkit Final Step
Budget Planner is your final planning sink.
Use this screen to close the loop between your target gross, tax reserve, expenses, and runway before exporting the final report.
Standalone
Imported Gross
—
Budget Income
—
Tax Reserve
—
Runway
—
Saved in your browser • Connected toolkit ready • Export the final report from here.