Savi Gurus

Our free rate calculator works out how much you should charge to cover the cost of doing business and leaves you with what you need to earn.

It counts the hours you cannot bill, the months that run thin, the equipment that wears out, and the taxes nobody withholds for you. What comes back is a floor: the rate below which the work costs you money.

No account and nothing to buy. We built it for people setting a rate for the first time.

Try it: getsavitools.com/en/rate-calculator

Your first client payment landed in your personal account, because the business did not feel real yet. That is how it happens to almost everybody.

Eight months later the lumber, the groceries, the fuel, and the birthday presents sit braided together in one statement. You cannot see your profit, your deductions are buried in personal noise, and somebody has to untangle the whole thing in April.

The setup takes about an hour. Open a company bank account, move your income over, pick one card to be the business card, and set a rhythm for paying yourself.

Everyone asks what to do about the messy months already behind them. Leave those alone for now. The clean line starts this week.

Last Friday’s episode walked through the hour. YouTube.com/

Thinking about going out on your own, and unsure whether you are ready? Our free self-employment assessment walks through the questions that decide it: what your runway looks like, and whether your rate covers what the work costs you. The report comes back straight away.

Free to use without an account. We put it out for people trying to make the decision, whether or not you ever become a customer.

Start here: getsavitools.com/en/assessment

An electrician's rate is not a photographer's rate is not a consultant's rate. What you charge has to clear your costs, your taxes, and the hours you cannot bill. Our free rate calculator does that math for your trade: put in what you need to earn and what your costs are, and it tells you the rate that actually clears. No sign-up, no email wall.

Calculate my rate: getsavitools.com/en/rate-calculator

One card for the business. One for everything else.

Mixing business and personal spending is the most expensive shortcut in self-employment: every mixed statement is an hour of sorting at tax time and a deduction you might miss. A separate account plus "receipts captured as you go" means your records sort themselves.

Never get surprised at tax time.
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Starting a business has enough unknowns. The paperwork should not be one of them. Our free registration helper walks you through what you need to register your business, step by step, and builds you a checklist you can work through at your kitchen table. No email wall, nothing to buy.

Build my checklist: getsavitools.com/en/business-registration

The third-quarter estimated payment lands September 15, and the worst way to meet it is finding out the number that week. Savi Tools sets aside the right amount as the money comes in, so the payment is already covered when the date arrives. Your accountant still calculates your actual liability; the set-aside is what you hold back, not what you pay.

Never get surprised at tax time.
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The surprise tax bill is not a tax problem. It is a timing problem.

When you are self-employed, no one withholds for you. The money lands in your account, feels like yours, and gets spent. Then the bill arrives.

Savi Tools sets aside the right amount as the money comes in, so the bill is already covered when it shows up. Your accountant still calculates your actual liability, which is usually lower. The set-aside is what you hold back, not what you pay.

Never get surprised at tax time.

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"What should I charge?" is the question that keeps new freelancers up at night.

Charge too little and you are working for free once taxes and overhead come out. Charge too much without knowing why, and you cannot defend the number.

Our free rate calculator does the math for you. Put in what you need to earn and what your costs are, and it tells you the rate that actually clears. No sign-up, no email wall, nothing to buy.

Try it: `getsavitools.com/en/rate-calculator`

https://getsavitools.com sponsored the Men's Business Group Networking event. It was quite a showing!