Is there a free version?

Yes! The core emergency fund calculator (R* required buffer, ruin curve, balance paths) is 100% free forever. We never paywall the essential safety calculation.

What's included in Pro?

Pro ($9.99/month) adds: higher simulation quality, 80/90/95% confidence intervals, time-to-ruin histogram, deeper risk attribution, unlimited scenarios, PDF/CSV/ICS export, and priority support.

What's your refund policy?

14-day full refund for all purchases via Paddle. Refunds cancel Pro access immediately. No questions asked.

Is my payment secure?

Yes. All payments are processed securely through Paddle (our payment provider). We never see or store your credit card information.

Pricing - Freelancers Calculator | Free Emergency Fund Calculator for Freelancers

Simple, transparent pricing

Local‑first risk modeling for freelancers. Core buffer sizing is free forever. Pro adds higher simulation quality, richer analytics (CI bands, TTR, deeper drivers), unlimited scenarios, and full export toolkit.

Free

$0/forever

R* required buffer (core Monte Carlo)
Fast ruin curve (baseline precision)
Median & P5/P95 balance paths
Basic risk attribution (top drivers)
Single saved scenario
Itemized income & expense lists
Cash-flow allocation donut
Local-only (no cloud sync)

Start free

Best for most

Pro

$9.99/month

Higher simulation quality (adaptive + dense curves)
Unlimited scenarios & multi-select compare
R* confidence intervals (80/90/95%)
Time-To-Ruin histogram (TTR)
Deeper risk driver breakdown + export
Expanded CSV (inputs, outputs, cash flow, paths P25/P75, ruin curve, TTR, drivers)
PDF / CSV / Inputs / ICS exports
Prompt Creator (AI drafting assistant)
Multi-level percentile band (P25–P75 overlay)
Unlimited undo history (extended) & scenario auto-update
Priority feature access (early flags)

Get Pro

Cancel anytime. Full refund within 14 days per Terms.

Feature comparison

Feature	Free	Pro
R* required buffer	✓ Core	✓ Adaptive
Ruin curve quality	Baseline	Higher precision
Percentile balance paths	Median / P5 / P95	+ P25–P75 band
R* confidence intervals	—	80 / 90 / 95%
Time‑To‑Ruin histogram	—	✓
Saved scenarios	1	Unlimited
Scenario compare	Two side‑by‑side*	Multi‑select
Risk attribution	Top factors	Full drivers + export
Cash flow allocation donut	✓	✓
Itemized income & expenses	✓	✓
Exports (PDF / CSV / Inputs / ICS)	—	✓
Expanded CSV sections	—	✓
Prompt Creator (AI assistant)	—	✓
Higher sim quality / bootstrapping depth	—	✓
Local‑only (no server sync)	✓	✓

* Free plan compare limited to two selected scenarios; Pro enables multi‑scenario diff table. Feature gating is evolving—some capabilities may temporarily appear in Free while rollout completes.

FAQ

Do you offer refunds?

Yes — consumers can request a full refund within 14 days of purchase or renewal under Paddle's Buyer Terms. See our Terms.

⚠️ Note: Refunds immediately cancel your subscription and remove all remaining days.

Can I cancel anytime?

Absolutely. Your plan remains active through the current billing period.

Is my data private?

The app is local‑first. Simulations run on your device. Only checkout/license metadata is sent when purchasing Pro.

Questions about pricing or refunds? See our Terms & Conditions or email support@freelancerscalculator.com.