Freelance rate → monthly & annual
Converts an hourly rate and weekly hours into gross monthly and yearly income. Add a target monthly income to see the implied hourly rate you’d need at the same hours.
Uses ~4.33 weeks per month. Gross only—before tax and expenses.
Marketplace & platform fees
See net income after a percentage fee (Upwork, Fiverr, app stores, etc.). Adjust the fee to match your platform’s current structure.
Digital product profit (per unit)
Rough net after payment processing (percent + fixed per transaction). Add optional cost per unit (ads, VA, file delivery) for digital goods with variable cost.
Stripe-like defaults; platforms like Gumroad or PayPal differ.
Ad & RPM revenue (content sites)
Estimated monthly display revenue from sessions or pageviews and RPM (revenue per thousand). Real RPM varies wildly by niche, geography, and season.
Formula: (pageviews ÷ 1,000) × RPM. Not for affiliate commission models.
Affiliate commission (clicks × conversion × AOV × %)
A simple funnel model: monthly tracked clicks → conversion to orders → average order value → your commission percentage on sale amount. Great for sanity-checking niche-site or creator affiliate assumptions.
Share of clicks that complete a qualifying purchase.
Formula: commission = clicks × (conversion ÷ 100) × AOV × (commission % ÷ 100). Does not model returns, cookie windows, or tiered rates.
Savings runway
How long savings might last if you spend more than you earn each month while building a business. “Burn” = monthly expenses minus reliable income.
Tax set-aside (simple %)
Many self-employed earners set aside a percentage of gross income for income and self-employment taxes. This does not replace an accountant—only a rough reserve target.
U.S. readers: see our side income & tax basics article for context. Rules differ by country; consult a professional for your situation.