Freelance Finance Tracker
Know your runway, protect your taxes, chase your invoices.
📖 Read the Full User ManualYour Financial Inputs
Cash Runway until €0
3 Unpaid Invoices
€5,000 overdue
25% Locked Reserve
Warning: Consider reducing expenses or accelerating invoices.
Actually Spendable Cash
€9,000
Total bank minus tax reserve
Most Profitable Client
Brand Alpha
€234.38/hr
Post-Tax Hourly Rate
The Waiting RoomGrouped by Status
Side Project
€800 • 4h invested
€150/hr
Post-Tax Rate
Brand Alpha
€2,500 • 8h invested
€234.38/hr
Post-Tax Rate
Corp Beta
€5,000 • 20h invested
€187.5/hr
Post-Tax Rate
Why Freelancers Need a Finance Dashboard
Most freelancers operate in financial fog. They know roughly how much is in the bank, but they don't know their actual runway, how much they can safely spend after tax reserves, or which unpaid invoices are bleeding their cash flow.
This calculator implements the Three Pillar View methodology used by professional freelancers and solo founders:
- The Survival View shows exactly how many months you can operate before hitting zero, forcing you to confront the reality of your burn rate.
- The Waiting Room tracks money that's technically yours but sitting in client accounts, helping you prioritize invoice follow-ups.
- The Tax Vault automatically calculates and locks away tax reserves so you never face a surprise bill from the Tax Authority.
For EU-based freelancers, we recommend a 25% default tax reserve (covering VAT and income tax), but you can adjust this based on your specific situation. The goal is simple: know what you can actually spend without compromising your business survival or tax obligations.
The Post-Tax Hourly Rate Formula
Post-Tax Hourly Rate = (Amount × 0.75) ÷ Hours Invested
This formula assumes a 25% effective tax rate and shows you your real earnings per hour after tax obligations. Use it to identify which clients and deals are actually worth your time.
Don't just track your money—track your freedom.
See which deals are actually worth your time. Get the full 2026 Notion Finance Engine with automated formulas, invoice generators, and monthly tax reports.
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