Modern Niche World MNW

The self-employed toolkit

12 tools live now, more on the way — calculators that answer the money questions working for yourself throws at you, free and without a signup.

Get paid right

Price the work, send the invoice, collect what you're owed.

Project Quote Calculator

Turn a scope of work into a defensible, itemized quote — with complexity, contingency and rush built in.

Hourly vs Project Rate

See your effective hourly on a fixed-price gig, the break-even hours, and a plain-English verdict.

Invoice Late Fee Calculator

Work out exactly what an overdue client owes today, plus a copy-ready reminder line.

Freelance Rate Calculator

Reverse-engineer the hourly rate you actually need from your target take-home.

Survive the slow months

Runway, taxes, and budgets so a dry spell doesn't end you.

Freelance Burn Rate Calculator

How many months can you survive with no income? Get your runway and an honest status read.

Freelance Tax Estimator

Ballpark what to set aside for taxes so quarterly bills never blindside you.

Freelancer Budget Planner

Plan irregular income against fixed costs and see what's safe to spend.

Freelancer Retirement Calculator

No employer match? Model compound growth on what you set aside yourself.

Find good clients

Spot the red flags early and work across time zones sanely.

Client Red Flag Scorecard

Score a prospect against the warning signs every freelancer learns the hard way.

Client Time Zone Converter

Find a meeting time that isn't 3am for someone. Compare client and your hours at a glance.

Focus & logistics

The small utilities that keep the day moving.

Freelancer Focus Timer

A distraction-free Pomodoro timer tuned for billable deep work.

QR Code Generator

Make a clean QR for your portfolio, invoice or payment link in seconds.