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//// Career · Freelance Health

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.

SE Tax Rate15.3%
QBI Deduction20%
Quarterly DeadlinesApr · Jun · Sep · Jan

Income Stability Score

52/100

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?

clients

% of income from your #1 client

%

% from your top 2 combined

%
mo

What describes most of your work?

Most common terms with your clients

Net 30

How many months of expenses can you cover?

mo

Score Breakdown

Client Concentration

18/35

45% from top client — moderate concentration

Contract Type

18/25

Monthly retainers — predictable recurring revenue

Payment Terms

8/15

Net 30 — standard, but ties up 1 month of cash

Emergency Fund

8/25

2 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.
1

Client Concentration (35 pts max)

score based on client concentration data

= 18 / 35 pts

45% from top client — moderate concentration

2

Contract Type (25 pts max)

score based on contract type data

= 18 / 25 pts

Monthly retainers — predictable recurring revenue

3

Payment Terms (15 pts max)

score based on payment terms data

= 8 / 15 pts

Net 30 — standard, but ties up 1 month of cash

4

Emergency Fund (25 pts max)

score based on emergency fund data

= 8 / 25 pts

2 month(s) — dangerously low for freelance work

5

Total stability score

Client Concentration: 18 + Contract Type: 18 + Payment Terms: 8 + Emergency Fund: 8

= 52 / 100

Rating: Developing — You have a foundation, but key risks remain

6

Recommended emergency fund

based on stability rating

= 6 months

You are 4 month(s) short of the recommended runway

Key insight

Client concentration is the single biggest risk factor for most freelancers. Losing a client who represents 50%+ of your income is not a setback — it is a business-ending event. Cap any single client at 30–40% of revenue before optimizing anything else.

Use this result in →

Calculate emergency fund targetQuantify bad client costCalculate freelance savings rate

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