Which SoloFig calculator do you need? A map of every freelance money tool

Updated 2026-09-03

Almost every freelancer has opened a calculator, stared at it, and realised they weren't sure it was the right one. The tools aren't the hard part — knowing which one answers your specific worry is.

This is the map. Instead of listing tools by name, it groups all 34 SoloFig calculators by the money problem they solve, so you can find the one you need in under a minute.

You don't need to know the tool's name — you need to know your question

Most people reach a calculator by searching for a specific number: "how much should I withhold for taxes," "what rate do I quote." The harder case is a fuzzy money worry with no obvious tool attached. This page is the map. Pick the section that matches the problem you're stuck on, and it points you to the exact calculators — and to the full calculators hub, where every tool is grouped by topic.

Pricing work: what do I quote?

The most common freelancer question. Start with your floor: the hourly rate calculator works backwards from the income you want to the rate you must charge. Then move to the job in front of you with the project pricing calculator, model a flat monthly fee with the retainer pricing calculator, or test whether value-based pricing beats the clock using value vs hourly. The consulting day rate calculator converts a project day rate into an hourly one, the pricing tiers calculator shows where each tier actually lands, and the income goal calculator sets the revenue you must bring in. Before you discount to win work, the discount break-even calculator shows how low you can go.

See every pricing tool on the calculators hub → Pricing my work.

Taxes: what do I owe, and what do I keep?

Taxes touch almost every freelancer at least quarterly. The self-employment tax calculator shows what the 15.3% really costs you, and the quarterly tax calculator tells you what to send in each period. To plan ahead, the tax set-aside calculator sizes the buffer, while the effective tax rate calculator reveals your true marginal rate once deductions land. Don't forget deductions: home office, mileage, and write-off savings all reduce what you owe.

See every tax tool on the calculators hub → Taxes & IRS.

Saving and retirement: am I putting enough aside?

Irregular income makes saving harder, not less necessary. The emergency fund calculator sets the buffer you need before anything else, and the retirement savings calculator compares SEP IRA against Solo 401(k) for the self-employed. If you've opened a Solo 401(k), the Solo 401(k) contribution calculator maxes out your allowable deferral.

See every saving & retirement tool on the calculators hub → Saving & retirement.

Cash flow and debt: will I stay liquid?

Cash flow is where solo businesses quietly fail. The Profit First calculator forces your money into purpose buckets, the debt payoff calculator ranks which loan to attack first, and the buy vs lease calculator decides big equipment purchases. The software ROI calculator justifies a subscription before you commit. For slow-paying clients, the invoice financing cost calculator prices the alternative to waiting. Watch concentration risk with the client concentration calculator — too few clients is a cash-flow risk disguised as a win.

See every cash flow & debt tool on the calculators hub → Cash flow & debt.

Business structure: am I set up right?

Sole proprietor, LLC or S-corp is not a one-time decision. The 1099 vs W-2 calculator checks a working relationship is classified correctly, the S-corp salary calculator sets a reasonable owner salary, and the cost of hiring calculator shows what bringing help really costs. If you're unsure which structure fits, the QBI deduction calculator shows whether an S-corp election helps your bottom line.

See every business structure tool on the calculators hub → Business structure.

Getting paid: where did my money go?

Fees and late payers erode revenue invisibly. The payment fee calculator totals what processors take, the invoice late fee calculator prices a penalty that actually discourages lateness, and the take-home rate calculator shows what lands in your pocket after fees and tax. If a rate increase is on the table, the rate increase calculator reveals what the raise nets you.

See every getting-paid tool on the calculators hub → Getting paid.

International clients: what does cross-border cost?

Working abroad adds a fee layer most people miss. The international payment fees calculator totals what currency conversion and transfer fees take from a foreign invoice. Pair it with the payment fee calculator to see the domestic side of the same problem.

See every international tool on the calculators hub → International clients.

Still not sure where to start?

If you'd rather answer two quick questions than read a map, the homepage "Find your tool" quiz points you to the calculators that fit your situation. And if the calculation you need isn't here yet, request a tool and we'll build it.