Stop optimizing blind
Your CPA files the return. Your portfolio tracker shows the balance.
Nobody's connecting the dots between your structure, your taxes, and your retirement timeline.
Net Worth
+12.4% YTD
$847K
Portfolio
Tax-optimized
$524K
Tax Savings
S-Corp
$35K
Your W-2 colleagues have a payroll department, a 401k match, and an HR team handling this. You're earning more than most of them but navigating it entirely alone. SoloFI becomes your self-employment companion.
The average SoloFI user finds $18,000 in tax they didn't have to pay. Takes about 10 minutes to model. Free to start. No credit card required.
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.
The decisions SoloFI helps you make
Not a brokerage. Not a tracker. A modeling tool built specifically for the financial decisions self-employed people face and get wrong most often.
Should I stay self-employed or take the W-2 offer?
Model the full tax picture of self-employment vs. W-2, including retirement contributions, benefits, and your effective take-home at different income levels.
- Business structure comparison
- Retirement timeline scenarios
- Tax strategy simulations
What should my S-Corp salary actually be?
Most S-Corp owners set their salary once and never revisit it. SoloFI models the exact salary that minimizes your SE tax without triggering IRS scrutiny at your specific income level.
- Solo 401k and SEP IRA modeling
- S-Corp salary optimization
- Quarterly tax estimates
Where do I actually stand financially?
Track net worth across all accounts without linking them. Enter your numbers, see your complete picture and watch how each decision you model changes your trajectory.
- No bank linking required—enter your numbers, your way
- Net worth tracking over time
- Asset allocation analysis
- Tax-location optimization
Can I actually retire at 55?
Run scenarios across different retirement ages, spending levels, and locations. See your probability of success before committing and not after it's too late to adjust.
- Know exactly what number you need to retire
- See how moving changes your timeline
- Stress-test your plan before you commit
Built for established self-employed professionals earning $150k+
You're doing the right things. The problem isn't effort. It's visibility.
Your CPA optimizes the return. Your brokerage shows the balance. But nobody is modeling how your business structure, tax decisions, and savings rate compound into your actual retirement timeline. The cost isn't the subscription. It's what you don't know.
S-Corp or LLC?
Model the breakeven at your exact income
Retire at 55?
See your real number and timeline
Roth conversion?
Find the optimal amount this year
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
Built for the self-employed
Variable income. Complex taxes.
Big financial decisions.
SoloFI models the tradeoffs so you understand exactly what each decision costs before you commit.
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
Retire on your terms
What does financial independence actually look like for you?
Model it. Adjust it. Know your number.
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.
No account required to start
Your data is saved locally on your device and never sent to our servers until you choose to create an account. No account linking, no data selling, export everything anytime.
Tax strategies for the self-employed
Occasional emails on tax optimization, retirement planning, and financial modeling. No spam, no sales pitches.