Freelancer Stability Action Report
Key outcomes
Required hourly rate: $78.70
Gross monthly revenue needed: $9,444.44
Net after tax + overhead: $6,000.00
Cash buffer runway: 1.5 months
Billable hours/month: 120
Tax reserve rate: 28%
Recommendation
Build at least 3 months buffer. Raise rates or reduce overhead until runway improves.