Personal finance, built for people without an HR department.

Why we exist

Run a search for almost any personal finance question — "how much should I save for retirement," "how do I budget," "what insurance do I need" — and nearly every answer assumes a full-time employer. It assumes tax withholding happens automatically. It assumes a 401(k) match exists to leave on the table. None of that applies once you're the one signing your own paychecks.

Free Agent Finance covers exactly one thing: the financial life of a freelancer or self-employed person in the United States. Taxes, business banking, health insurance, retirement, bookkeeping, business structure, and budgeting — all explained for someone whose income might look completely different in March than it did in January.

How we research and write

Every guide on this Site is written to be used, not just read. Before publishing, we cross-check figures — tax brackets, contribution limits, deduction rules — against primary sources: the IRS, the Small Business Administration, and Healthcare.gov, among others. Where a rule is genuinely nuanced or state-dependent, we say so rather than oversimplifying.

Articles are periodically reviewed and updated as thresholds and rules change each tax year. You'll find a "last reviewed" date at the top of every guide so you always know how current the figures are.

How Free Agent Finance makes money

Free Agent Finance is supported by advertising and, in select articles, affiliate partnerships with financial software and services we genuinely think are useful to freelancers. A company's advertising relationship with us never determines whether or how we cover it — see our full Affiliate Disclosure for details. This transparency matters to us as much as it matters to you.

Who writes this

Free Agent Finance content is produced by an editorial team with backgrounds spanning small-business accounting, tax preparation support, and personal finance writing, working from primary-source research rather than opinion. We're a young publication and are building out detailed, named contributor bios as our team grows — if you'd like to know more about a specific article's sourcing before that page is live, reach out and we'll gladly share it.

One honest disclaimer

We are not a CPA firm, a law firm, or a registered investment advisor, and nothing here replaces a professional who knows your full financial picture. Read our full Disclaimer before making a decision based on anything you read on this Site.