Stop Guessing If You Can Afford to Quit.
Start Knowing.
Most entrepreneurs leap without a runway. Smart ones calculate their P25 income, build tax reserves, and model 3 scenarios before they quit their W-2.
Two Ways to Launch. One Actually Works.
Most entrepreneurs wing it. Smart ones engineer it with data.
The "Hope-Based" Launch
- ×Quit your W-2 job when you "feel ready" without runway calculation
- ×Budget based on your best months, panic during slow months
- ×Forget about taxes until April:then scramble for $15k you don't have
- ×No idea if your side hustle income is stable enough to go full-time
- ×Run out of savings in month 4, forced to take clients you hate
The "Data-Driven" Launch
- ✓Calculate exact runway needed: 6mo expenses + tax reserves + cushion
- ✓Track P25 income (25th percentile):budget on worst months, not best
- ✓Auto-set aside 30% of every 1099 payment for quarterly taxes
- ✓Model 3 scenarios: Keep W-2 + side hustle, 6mo runway, 12mo runway
- ✓Only quit when P25 side hustle income covers 100% of living costs
Choose Your Path. We'll Show You the Numbers.
Side hustle, full-time leap, or solopreneur empire:each path needs different financial planning
Build While You W-2
Keep your day job while building your business. Track P25 income from side hustle. Know exactly when it's safe to quit based on data, not hope. Most sustainable path with lowest risk.
- P25 income tracking on side hustle revenue
- Scenario modeling: When can I afford to quit?
- Tax reserve automation for 1099 income
- Time allocation optimizer (W-2 vs side hustle)
Know Exactly When You Can Afford to Quit
Most entrepreneurs guess. Smart ones calculate their runway, model 3 scenarios, and track P25 income before making the leap.
Built for Variable Income Reality
Traditional budgets fail entrepreneurs. These tools work.
P25 Income Tracking
Track your 25th percentile income:the safe-to-budget baseline. Stop budgeting on best months, start budgeting on reality.
Auto Tax Reserves
Automatically set aside 30% of every 1099 payment. Get quarterly tax reminders. Never scramble in April again.
Runway Calculator
Know exactly how many months you can survive if revenue drops. Model 6mo, 9mo, or 12mo runways before you leap.
Volatility Scoring
See your income volatility score (Low, Medium, High). Understand your risk exposure and plan accordingly.
Side Hustle Templates
Budget templates for freelancers, consultants, creators, coaches. Industry-specific benchmarks included.
Transition Timeline
Build a 6-12 month transition plan. Track milestones: First client, breakeven, profitability, replacement income.
Track Every Dollar. From Every Client.
Connect your business bank accounts. Automatically categorize 1099 income by client. See P25 income in real-time. Set tax reserves on autopilot.
- Automatic categorization: Client A, Client B, Product Sales, Consulting
- P25 calculation: Know your safe-to-budget baseline income
- Tax reserve alerts: "Set aside $840 for Q2 estimated taxes"
Know How Long You Can Survive a Slow Month
Real-time runway tracking. See exactly how many months you can survive if revenue drops to zero. Sleep better knowing your cushion.
- Runway countdown: "7.2 months at current burn rate"
- Scenario modeling: What if I lose my biggest client?
- Alerts when runway drops below 6 months
Real Entrepreneurs. Real Launches. Real Success.
These entrepreneurs calculated their runway and modeled scenarios before leaping
"I was terrified of quitting my $110k job to freelance. CareerPhases showed I needed 12 months runway ($42k saved). Tracked P25 income as I ramped up clients. Hit breakeven in month 5. Now earning $140k with better work-life balance."
"The P25 income metric changed everything. I stopped budgeting on my $5k best months and started budgeting on my $2.1k worst months. Removed all the stress from variable income. Game changer."
"Tax reserves on autopilot saved me from a $15k surprise bill. CareerPhases automatically set aside 30% from every 1099 payment. I never had to think about it. Painless tax season for the first time ever."
Ready to Launch with Data, Not Hope?
Join 3,200+ entrepreneurs who calculated their runway, tracked P25 income, and built sustainable businesses.