Solo Business Health Score
Rate your freelance business across 6 dimensions — cash flow, rate health, client diversification, tax readiness, retirement, and contract protection. Get your score and top 3 actions.
Solo Business Health Score
Your business is Developing
Cash flow
+$6,000/mo surplus
Top 3 actions
Build your emergency fund to 3+ months of expenses
Keep raising annually to stay ahead of inflation
One client is over 30% of revenue — actively prospect to reduce concentration risk
Start making quarterly estimated tax payments to avoid IRS penalties
Open a SEP-IRA or Solo 401(k) — soloists can shelter up to $69,000/yr tax-free
Add a kill fee clause (25-50% of remaining contract value) to protect against cancellations
Your numbers
Cash Flow
Average gross income per month
Business costs, software, tools, etc.
How many months of expenses you have saved
How long clients typically take to pay
Rate Health
Your effective rate for billable work
Years of experience as a soloist
Client Diversification
What % of revenue comes from your biggest client?
Tax Readiness
What % of income you expect to owe (0 = don't know)
Retirement Savings
Contract Protection
Scores are for self-assessment only — not financial, legal, or tax advice. Results reflect inputs you provide and benchmarks based on common freelance patterns.
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