Freelance Income Stability Score
How resilient is your freelance income? Score your client concentration, contract types, payment terms, and emergency fund to get a 0–100 stability score with specific actions to improve it.
Income Stability Score
Developing
You have a foundation, but key risks remain. Address the red factors to build real stability.
Your Business Profile
How many paying clients do you currently have?
% of income from your #1 client
% from your top 2 combined
What describes most of your work?
Most common terms with your clients
Net 30
How many months of expenses can you cover?
Score Breakdown
Client Concentration
18/3545% from top client — moderate concentration
Contract Type
18/25Monthly retainers — predictable recurring revenue
Payment Terms
8/15Net 30 — standard, but ties up 1 month of cash
Emergency Fund
8/252 month(s) — dangerously low for freelance work
Recommended Runway
6 months
You are 4 month(s) short — priority: save before taking risky projects.
Actions to Improve Your Score
- →Diversify: aim for no client above 30%. Currently 3 active clients.
- →Negotiate Net 15 on renewal. Offer a 2% discount for early payment.
- →Priority: save aggressively to reach 3 months before anything else.
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