Small business finance, explained simply
In-depth, jargon-free guides on profitability, pricing, business planning, freelancer finance and financing — written to help entrepreneurs understand the numbers behind a healthy business.
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How Much Should a Freelancer Pay Themselves Each Month?
Revenue is not income. Here is the step-by-step method freelancers use to set a repeatable monthly paycheck, with adjustable low, base, and high scenarios.
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How to Budget With Irregular Income as a Freelancer
Build a four-month cash ledger, test a late payment, and see when a planned owner draw must fall.
Owner Draw vs Salary: How Small Business Owners Should Pay Themselves
Draw or salary? The right answer depends on your business structure, your tax position, and how predictable your revenue is. Neither method is right for everyone.
A Freelancer Finance Workflow: From Hourly Rate to Owner Pay
Follow one designer’s assumptions from a $60 hourly rate to a $3,150 owner-pay scenario, then test a slow month.
How to Calculate Business Loan Payments
Knowing your monthly loan payment before you borrow protects your cash flow. Here is exactly how business loan payments are calculated, with an interactive amortization preview.
How Freelancers Should Calculate Their Business Expenses
Most freelancers underestimate what it actually costs to run their business. Here is how to calculate your true business expenses.
How Much Should Freelancers Charge Per Hour?
Charging too little is the most common freelance pricing mistake. Here is how to calculate an hourly rate that actually supports your business.
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