Config-driven calculator

Solopreneur Out-of-Pocket Equity Calculator

Calculate the gross revenue a solopreneur needs to hit a target take-home after healthcare, taxes, overhead, and PTO.

Built for freelancers, consultants, creators, and owner-operators who want a realistic revenue goal instead of guessing how much gross income will turn into actual take-home pay.

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How It Works

How this calculator helps answer the decision.

Built for freelancers, consultants, creators, and owner-operators who want a realistic revenue goal instead of guessing how much gross income will turn into actual take-home pay.

What you will enter

Market baseline: Select the market profile that should drive currency, default healthcare assumptions, and business reserve constants.
Targeted Annual Net Income: Annual personal take-home cash flow you want to preserve after solo-business taxes, healthcare, and operating drag.
Private Health Insurance Estimate: Optional monthly override for private health coverage. Leave at 0 to use the selected market's baseline assumption.
Self-Employment Tax Reserve Rate: Optional override for the total self-employment tax reserve rate. Keep it on Auto to use the selected market baseline.

What you will get back

Effective monthly health insurance: The monthly health-insurance assumption used after applying any manual override.
Effective self-employment reserve rate: The tax reserve rate used in the gross-income model after applying any manual override.
PTO-adjusted net target: The personal net-income target restated across fewer working days so PTO remains fully funded.
Annual health-insurance cost: Annualized out-of-pocket health-insurance burden included in the gross-income target.

What this model emphasizes

Back-solve gross revenue from a target self-employed take-home goal
Model private health insurance and self-employment tax reserve pressure
Adjust required revenue for paid time off and baseline business overhead

Who this is for

Freelancers and consultants who need a grounded annual revenue target.
Solopreneurs trying to price offers around take-home needs instead of gross vanity goals.
Independent workers budgeting for healthcare, taxes, and paid time off without employer support.

Common ways people use it

Back-solve the gross revenue required to support a target personal take-home number.
Estimate how much cash needs to be reserved for taxes, healthcare, and operating costs.
Pressure-test whether your current pricing can realistically support your PTO goals.

Common questions

What is this calculator solving for?

It solves for the annual gross solo-business income needed to preserve your target take-home after private health insurance, self-employment taxes, baseline overhead, and paid time off.

Why does PTO raise the required revenue target?

Because fewer working days means the same annual take-home goal has to be funded across less billable time, which pushes the required daily and annual revenue higher.