Stop Leaving Money on the Table. Model Every Cent.
The high-precision financial suite designed for freelancers, agency owners, and digital creators. Pure mathematical calculation engines for taxes, payment gateway cuts, and compound purchasing power.
Specialized Solopreneur Financial Engines
Engineered to eliminate costly guesswork across taxes, client invoices, and emergency reserves.
1099 Freelance Tax Estimator
Accurately estimate your 15.3% Self-Employment Tax (Schedule SE), Federal progressive brackets, Section 199A QBI deduction, and 1040-ES quarterly vouchers.
Stripe & PayPal Fee Optimizer
Never absorb client processing fees again. Calculate exact processor cuts across Stripe, PayPal, Wise, and Square, plus the exact amount to invoice to net your target.
HYSA Compound Wealth vs Inflation
Simulate high-yield savings growth against ordinary income tax drag (Form 1099-INT) and CPI inflation erosion. Discover if your emergency fund actually beats inflation.
The Three Hidden Wealth Leaks Freelancers Face
Traditional wage earners have taxes withheld and processing fees absorbed by payroll departments. Independent solopreneurs bear 100% of the operational overhead.
The 15.3% Self-Employment Surprise
Unlike W-2 employees where the employer pays half of FICA, 1099 contractors pay both the employee and employer shares (12.4% Social Security + 2.9% Medicare). Failing to set aside 25%–35% quarterly leads to severe IRS underpayment penalties.
Absorbing Credit Card Gateway Cuts
A 2.9% + $0.30 fee on a $5,000 project takes $145.30 straight from your pocket. On $100,000 in annual client invoicing, you surrender nearly $3,000 in fees. Using reverse fee pass-through pricing recovers this instantly.
The Cash-Drag Illusion & 1099-INT Tax
Parking emergency reserves in a 0.01% checking account guarantees purchasing power destruction under 3% inflation. Even in a 5% HYSA, taxes on interest (Form 1099-INT) reduce your effective real return. You must model real net-of-tax yield.
Frequently Asked Questions About Solopreneur Finance
How does the 20% Section 199A Qualified Business Income (QBI) deduction work?
Enacted under the Tax Cuts and Jobs Act, Section 199A allows eligible sole proprietors, single-member LLCs, and S-Corps to deduct up to 20% of their net qualified business income from their federal taxable income. For 2024, the full deduction applies up to $191,950 for single filers ($383,900 for married filing jointly), indexed for inflation in 2025.
What is the exact mathematical formula to pass Stripe/PayPal fees to clients?
If a processor charges percentage rate r (e.g. 0.029) plus fixed fee f (e.g. $0.30), the gross invoice amount A required to receive net amount P is:
A = (P + f) / (1 - r)
For example, to net exactly $1,000 on Stripe domestic: ($1,000 + $0.30) / (1 - 0.029) = $1,030.18.
Are high-yield savings account (HYSA) gains taxed as capital gains or ordinary income?
Interest earned on high-yield savings accounts is classified by the IRS as ordinary income, NOT long-term capital gains. Your bank issues Form 1099-INT at year-end, and the interest is taxed at your highest marginal federal and state tax rates (up to 37% federal plus state tax).