Build wealth.Reduce taxes.Retire on your terms.
Model tax strategies, retirement outcomes, and portfolio decisions.
No asset transfers. No account linking required. Just clarity.
Net Worth
+12.4% YTD
$847K
Portfolio
Tax-optimized
$524K
Tax Savings
S-Corp
$35K
Try it free
How much should you pay in quarterly taxes?
Most self-employed professionals either overpay and lose liquidity, or underpay and get hit with penalties. Get your estimate in seconds — no signup required.
- Federal + self-employment tax breakdown
- Accounts for business expense deductions
- Safe Harbor amounts to avoid IRS penalties
- 2025 quarterly due dates
Quick Quarterly Tax Estimate
Free · No signup · Results in seconds
Federal + SE tax estimate. State tax not included.
What SoloFI does
A decision engine, not a brokerage. Understand the implications of financial choices before you make them.
Decision Modeling
Compare Self Employment vs W-2. Roth conversion now vs later. Retire at 40 vs 55.
- Business structure comparison
- Retirement timeline scenarios
- Tax strategy simulations
Tax Optimization
Understand your effective tax rate across federal, state, and self-employment taxes. Model the impact of contributions, deductions, and business decisions.
- Solo 401k and SEP IRA modeling
- S-Corp salary optimization
- Quarterly tax estimates
Unified Financial View
Track net worth across all accounts without linking them. Manual entry keeps you in control while giving you a complete picture of where you stand.
- Net worth tracking over time
- Asset allocation analysis
- Tax-location optimization
Retirement Planning
Run Monte Carlo simulations on your retirement plan. See probability of success across different withdrawal rates, market conditions, and timelines.
- FIRE number calculations
- Geographic arbitrage modeling
- Safe withdrawal rate analysis
Built for complex financial lives
Built for people with multiple income streams, complicated taxes, and long term planning.
Independent Consultants
Managing variable income, quarterly taxes, and business structure decisions
Self-Employed Professionals
Navigating Solo 401k, SEP IRA, and S-Corp election timing
Business Owners
Coordinating personal and business finances with exit planning
High Earners
Optimizing across tax brackets, investment accounts, and retirement vehicles
A different kind of financial tool
Most platforms want to hold your assets or sell you products. SoloFI exists to help you think clearly.
Typical platforms
- Require asset transfers or account linking
- Optimized for AUM fees or product sales
- Generic advice that doesn't account for self-employment
- Lock you into their ecosystem
SoloFI
- No asset transfers. Your money stays where it is.
- Simple subscription. No hidden incentives.
- Built specifically for self-employed tax complexity
- Use alongside any advisor or platform you choose
Tax optimization that understands self-employment
Self-employment taxes add 15.3% before you even get to income tax. The right structure and timing decisions can save tens of thousands per year—but only if you can model the tradeoffs accurately.
S-Corp election timing
See exactly when an S-Corp saves you money vs adds complexity
Retirement contribution strategy
Solo 401k vs SEP IRA vs both—modeled for your specific income
Quarterly estimate planning
Avoid penalties and surprise bills with accurate projections
Retirement planning with real numbers
Generic retirement calculators assume a steady salary and employer 401k match. Your situation is different. Model retirement scenarios that account for variable income, self-employment tax savings, and geographic flexibility.
- Monte Carlo simulations with 1,000+ scenarios
- Coast FI and Barista FI calculations
- Geographic arbitrage with cost-of-living data
- Safe withdrawal rate sensitivity analysis
Our principles
How we think about building financial tools.
Clarity over complexity
Financial decisions are hard enough. Our job is to make the implications clear, not to add more noise.
Independence by design
We don't hold your assets or earn commissions. Our only incentive is to be useful enough that you keep subscribing.
Your data stays yours
No account linking required. No selling data. Export everything anytime. Cancel anytime.
Tax strategies for the self-employed
Occasional emails on tax optimization, retirement planning, and financial modeling. No spam, no sales pitches.