Financial simulation for the irregular life.
Freelance and self-employed work brings financial patterns that standard tools weren't built for. Variable income, seasonal fluctuations, self-managed provisions - the simulation tools here address these realities directly.
planning your own way
Scenarios built for independent work
Each simulator addresses a challenge that freelancers and self-employed professionals encounter regularly.
Variable Income Modeller
Enter income ranges rather than fixed amounts. The simulator shows how different months play out and what a sustainable average looks like across the year.
Tax Provision Planner
Explore different approaches to setting aside funds for tax obligations. See how various provision rates affect your available cash across different income months.
Quiet Period Simulator
Model what happens during a low-income period. How long would your current reserves last? What would you need to save during busy periods to cover a quiet month?
Growth Scenario Planner
Explore how your financial picture changes as your freelance income grows. At what point does it make sense to change your allocation strategy? The simulator lets you test that.
A practical way to explore your options
Enter your income range
Rather than a single monthly figure, enter your typical low, average, and high income months. The simulator builds a realistic starting picture.
Set your fixed costs
Map your non-negotiable monthly outgoings. Rent, subscriptions, insurance - the baseline that remains constant regardless of income.
Explore allocation scenarios
Test different approaches to splitting your income: how much to set aside for tax, how much to save, how much to keep available. See the effects across a full simulated year.
Compare and adjust
Run multiple versions side by side. Find the allocation pattern that creates the most resilience across different income scenarios.