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Freelance Income Planner

Privacy-first income simulator — see how rates, taxes, and currencies impact take-home pay

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Freelance Income Planner — financial clarity for independent workers, answering what do I actually take home
$100/hr does not equal wealthy — taxes, admin time, expenses, and currency conversion create a fog that hides real earnings
The tool gap — spreadsheets are fragile, accounting software is backward-looking, online calculators are too simple
No login, no loading — no signup wall, no onboarding carousel, no database, no cookies, clarity without ceremony
The Snapshot — sensible defaults pre-filled, math updates as you type, proof the tool works in 30 seconds
The Reality Check — pre-tax logic shows how business expenses reduce taxable income, revealing effective hourly rate of $68/hr on a $100/hr billed rate
Modeling the future — drag the slider to test rate increases from -20% to +50% and instantly see the impact on annual net
Earn in one currency, live in another — dual-currency engine with 9 combinations showing real purchasing power in your local currency
Freelancing is seasonal — three-scenario planning with monthly projection charts modeling feast and famine cycles and savings runway
Engineered for reliability — deterministic math validated against 151 edge cases, fully bilingual with automatic number formatting
Who is this for — hourly freelancers, cross-border workers earning in USD living in MXN/EUR, privacy advocates, and agency owners

The Challenge

Freelancers can't predict take-home pay reliably. Variable hours, shifting tax rates, business expenses, and cross-currency billing make it nearly impossible to answer 'can I afford this lifestyle?' without a spreadsheet. Existing tools either require account creation, send data to servers, or don't handle multi-currency scenarios.

The Solution

A privacy-first bilingual income calculator that runs entirely in the browser. Enter your rate, hours, taxes, and expenses — get an instant breakdown of real take-home pay. Supports 9 currency pair combinations (USD/MXN/EUR), three-scenario forecasting with seasonal modeling, and honest deficit reporting. No login, no database, no cookies.

Key Features

  • Real-time income projections with transparent calculation breakdowns — math updates as you type, no submit button
  • Dual-currency engine supporting 9 currency pair combinations (USD/MXN/EUR) with bidirectional conversion
  • Three-scenario forecasting — pessimistic, realistic, optimistic with monthly projection charts and runway analysis
  • Zero data leaves the browser — 100% client-side computation with localStorage persistence
  • Fully bilingual interface (EN/ES) with automatic number formatting per locale

Results

  • Answers 'what's my real take-home?' in under 30 seconds
  • 151 edge cases validated in the calculation engine
  • 9 currency pair combinations (USD/MXN/EUR)
  • Zero data transmitted — 100% client-side computation

Have a similar challenge?

Let's talk about how a solution like this could work for your team. Free call, no pitch.

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