Understand your finances. Decide better.
Practical guides on liquidity, pricing, reserves and financial planning – for freelancers and small businesses.
The Hourly Rate Formula for Freelancers: Include Every Cost
The formula for your hourly rate is simple – what matters is what you put into it. Here's how to factor in costs, owner's salary, insurance and taxes properly.
FinanceCalculating Your Owner's Salary: How Much You Can Pay Yourself Each Month
A fixed owner's salary instead of withdrawals based on your account balance: here's how to work out in three steps how much you can pay yourself every month – with a worked example.
FinanceFinancial Planning for Freelancers: A Simple Start for Beginners
Three accounts, four numbers, one fixed date a month: how to start your own financial planning as a freelancer with no prior knowledge.
Taxes & ReservesVAT Reserve for Freelancers: Why That Money Isn't Yours
VAT only sits in your account for a short while. How to separate it from day one, how much to set aside, and how to never be caught off guard by payment day again.
Taxes & ReservesPlanning Income Tax Prepayments: How to Stay Liquid
Prepayments rarely come as a surprise – but they often come at the wrong time. Here's how to build them into your liquidity plan before they blow a hole in your account.
Pricing & RatesBillable Hours per Year: How Many You Can Really Invoice
2,000 hours a year? The honest calculation shows how many hours you can really bill – and which levers improve the number.
Pricing & RatesPricing a Service: Step by Step with a Worked Example
How do you price a service without getting the math wrong? Six steps from hourly rate to quote price – with a fictional worked example.
Pricing & RatesHow to Calculate Your Day Rate as a Consultant: Arriving at a Rate That Holds Up
Hourly rate times eight is rarely right. Here's how to derive your day rate from costs, owner's salary and billable days – with a worked example and a market check.
LiquidityEmergency Fund for Freelancers: How Much of a Reserve You Really Need
Set aside three months' net salary? For freelancers, that rule falls short. Here's how to calculate your cash reserve and build it up step by step.
LiquidityCalculating Runway: How Many Months Will Your Business's Money Last?
Runway shows how many months your business can keep going on the money it has. Formula, example and interpretation – no jargon.
LiquidityAvoiding a Cash Shortfall: Spot the Early Warning Signs, Act Early
A cash shortfall usually announces itself weeks in advance. Which early warning signs you should take seriously, and what you can actually do before the account runs dry.
LiquidityCalculating Cash Flow for Freelancers: Formula and Example
Your cash flow shows whether there's really money left over – not just on paper. Here's how to calculate operating cash flow with a simple formula and a worked example.