The founder
Hi, I'm Justin.
I built SoloFI because I couldn't find the tool I actually needed.
I've been self-employed since 2016, working as a consultant with startups and Fortune 500 companies on analytics, finance, and data strategy. Before going independent, I spent years in Big 4 consulting and later worked with FAANG-scale companies where making decisions from data was the baseline expectation, not a differentiator.
Going solo was the best career decision I've made. But the financial side? That came with a steep learning curve.
As a consultant, I was suddenly responsible for things most employees never think about:
- Setting aside the right amount for quarterly taxes without overcorrecting
- Figuring out whether an S-Corp actually made sense for my income level
- Deciding how to split contributions between a Solo 401(k) and taxable investing
- Understanding what financial independence looked like with variable, project-based income
- Modeling retirement abroad versus staying in a high-cost U.S. city
What I found was a frustrating gap. Most tools were built for salaried employees. Financial advisors wanted to manage my assets. Online calculators were static and generic. Spreadsheets got the job done but took forever to maintain.
There was no single place to model decisions. There were only tools that showed results after the fact.
So I built it myself.
SoloFI is the financial decision engine I wish had existed when I first went independent. It's designed for people like me: self employed with variable income, complicated taxes, and long-term ambitions that don't fit the standard retirement planning template. I built a suite of tools used for tax optimization, tracking everything that is required to be successful in self employment, and planning for my own retirement.
No asset custody. No commissions. No lock-in. Just clarity — before you commit.
— Justin Leu
Founder, SoloFI
Self-employed consultant · Big 4 alum · FAANG experience · Been in the trenches since 2016
What SoloFI is (and isn't)
SoloFI is a financial decision engine — not a brokerage, not a robo-advisor, not a budgeting app.
The core idea is clarity before commitment. Before you make a big financial decision, you should be able to see what happens across different scenarios. What does your tax bill look like if you take an S-Corp election vs. stay as a sole proprietor? What's your probability of reaching FIRE at 52 vs. 58? How does retiring in Lisbon compare to staying in San Francisco?
SoloFI doesn't tell you what to do.
It helps you understand what happens if you do.
That distinction matters — especially when the decisions are expensive and hard to reverse.
No asset custody or account transfers
Your money stays exactly where it is. We never touch your assets or require you to move anything.
No commissions or product incentives
We don't earn money by selling you products or routing you toward specific providers. Our only incentive is to be useful enough that you keep subscribing.
Works alongside your existing team
SoloFI is designed to complement — not replace — your CPA or financial advisor. Think of it as your personal modeling layer that helps you show up to those conversations better prepared.
Disclosure
SoloFI is a financial planning and decision-support tool. It does not provide personalized financial, tax, or investment advice, and is not a registered investment advisor or brokerage.
Any projections or insights are based on user-provided information and general modeling assumptions. Individual results will vary. Consult qualified professionals — CPAs, tax advisors, financial planners — before making significant financial decisions.