A free one-page calculator that answers the question most freelancers get wrong: how much of the money that just landed is not yours?

Type your monthly income and your own tax rate. The file returns the amount to move to a separate account the day you get paid, your effective set-aside rate, and how much to keep back for every 1,000 you earn.

What is inside (3 sheets, no macros)

- Start here - four steps, plus an honest list of what this free sample does not do.

- Calculator - 12 months: income, income year to date, tax to keep back, what you actually set aside, and a behind/ahead column that turns red when you are short.

- Settings - your tax rate and a safety buffer. Nothing is hardcoded, so it works in any country and any currency.

Who it is for

Freelancers, contractors, designers, developers, writers - anyone paid irregularly who has had a tax bill arrive bigger than the money still in the account.

Why it is free

The paid tracker in this store covers quarterly estimated tax Q1-Q4, deductible expenses with 12 budgeted categories, a dashboard with a tax reserve gap and a cash versus reserve view. This sample covers the first step: the number itself.

Works in Excel, Google Sheets, LibreOffice and Apple Numbers. No account, no login, no macros, no expiry - free to use and share.