Find your target, understand your tiers, build a timeline
For freelancers, the standard 3–6 month advice isn't enough. As a self-employed worker you face both unexpected expenses and income gaps. This calculator uses a 6–12 month target framework designed specifically for irregular income earners.
1 — Your Monthly Essential Expenses
Essential expenses only — what you must pay every month regardless of what else is happening. Not your full spending, just the non-negotiables.
Total Monthly Essentials$0
2 — Your Situation
These factors adjust your recommended target. More risk factors push your target higher.
How consistent is your monthly self-employment income?
Do others rely on your income?
Do you carry disability insurance that would replace income if you couldn't work?