🏥 Freelancer Health Insurance and Retirement Planner
Calculate health insurance premiums, IRA contributions, and after-expenses net income as a freelancer.
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📘 Complete Guide: Freelancer Health Insurance and Retirement Planner
Use this free calculator to instantly estimate your numbers. All calculations happen in your browser — no data is stored.
How much should freelancers save for retirement?
Financial advisors recommend 15-20% of gross income for retirement. Freelancers can use a Solo 401(k) (up to $66,000/yr in 2026) or SEP-IRA (25% of net self-employment income) for tax-advantaged savings.
What are the best health insurance options for freelancers?
Healthcare Marketplace ACA plans (check for subsidies), freelancer-specific associations (NASE, Freelancers Union), a spouse's employer plan, or COBRA if recently leaving employment.
How to make retirement contributions tax-efficient as a freelancer?
Solo 401(k) contributions reduce your self-employment tax base. Contribute as employee ($23,000 max) and employer (25% of net earnings). Total annual limit: $66,000 in 2026 — far more than a traditional IRA.