Others Calculators

Gig Worker & Freelancer Financial Planner

Freelancers and gig workers face financial challenges that salaried calculators cannot address: irregular monthly income, no employer PF, no gratuity, no TDS management, and complex advance tax obligations. This planner has four integrated modules:

• Module 1 — Advance Tax Planner: Computes quarterly advance tax instalments under the presumptive income scheme (Section 44ADA for professionals / 44AD for businesses) or actual income.
• Module 2 — Self-Managed Retirement: Shows how much to put aside monthly for retirement in lieu of EPF, using NPS and/or SIP.
• Module 3 — Emergency Buffer for Variable Income: Computes a larger-than-standard emergency fund appropriate for irregular income.
• Module 4 — Monthly Income Smoothing: Given variable monthly receipts, calculates the sustainable monthly ‘salary’ the freelancer can pay themselves.