Free calculators to help you set your rate, smooth your income, and know exactly how long your savings will last.
A small set of free calculators for freelancers, contractors, and the self-employed — no signup, and they work in any currency. Each one answers a single money question: what to charge, how much to pay yourself, how long your savings last, and what a late invoice does to your cash flow.
How many months until you run out of money? Enter your savings and monthly expenses to see your runway, a color-coded timeline, and what-if scenarios for cutting costs or picking up side work.
Calculate your runway →What should you charge per hour or per day? Whether you're a consultant or freelancer, factor in your target income, taxes, business expenses, and time off to find the rate that actually gets you where you need to be.
Find your rate →Turn irregular freelance income into a steady monthly "salary." Enter your last 12 months of income and see a safe amount to pay yourself each month — with conservative, moderate, and aggressive options.
Smooth your income →Sent an invoice and watching your balance? See exactly when your cash gets tight — and what happens if payment is late. Drag a slider to watch the impact in real time.
See the impact →Skip the generic "$30k a year" answer. Add up your actual fixed costs by category and get your real minimum viable income, compared against the cost-of-living benchmarks you've seen online.
Find your number →SteadyCash gives you a cash flow calendar, runway forecasting, and budget tracking — built for irregular income. One-time purchase. No subscription.
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