Free tool
Freelancer take-home and runway calculator
Model lumpy income, recurring costs, and tax set-aside to see what is coming each month and how long savings might last in a slow month.
Your numbers
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Your typical month after client payments land.
A slow month or gap between projects.
A strong month or big project payout.
Business and personal bills you pay every month.
Enter your own percentage for planning. This is education, not tax advice. Pyne does not recommend a specific rate.
Cash you could use if income dips below costs.
What is coming
Estimated monthly take-home after your tax set-aside and recurring costs. The math is shown so you can see how each month shapes up.
Expected month
Costs covered after tax set-aside
Low month
Shortfall after tax set-aside
High month
Costs covered after tax set-aside
Low month check
At $4,000.00 income, you would be short about $1,500.00 per month after tax set-aside and recurring costs.
Runway at low income
How long savings could cover a monthly shortfall at your low month.
About 10 months
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Pyne tracks your income, costs, and tax set-aside from real transactions and shows what is coming next. Founding Members lock today's pricing for life with a direct line to help shape what we build.
Get started freeNo credit card required. Calculations on this page are for education only, not financial advice.