Automated retirement savings for irregular gig income.
Freelancers cannot easily access affordable health benefits and retirement plans reserved for traditional employees due to the lack of a seamless HRTech platform.
FreelanceNest smooths freelance income volatility by auto-allocating percentages to SEP-IRAs or solo 401ks with smart investment rules. It integrates with payment platforms to trigger contributions and provides tax-optimized projections. Dashboard shows growth and withdrawal planning.
Independent freelancers and solo gig workers billing $5K+/month without employer benefits
Income-smoothing algorithm predicts and batches contributions based on 90-day billing averages.
professional
Connect Stripe/PayPal for income tracking.
Set % of income to save, with projections.
Trigger transfers to IRA providers.
View balances, growth, and allocations.
Generate contribution limits and forms.
Custom rules like 'save more in high-earn months'.
Monte Carlo projections.
Curated low-fee index funds.
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| text | No | |
| save_percentage | int | No |
| created_at | timestamp | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| user_id | uuid | No |
| provider | text | No |
| balance | int | Yes |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| user_id | uuid | No |
| amount | int | No |
| date | timestamp | No |
Relationships:
/api/income/syncSync recent income
/api/contributions/calculateCalc next contrib
/api/contributions/executeTransfer funds
/api/portfolioFetch balances
/api/tax-formsGenerate reports
No auto-contrib
| Month | Users | Conversion | MRR | ARR |
|---|---|---|---|---|
| Month 1 | 150 | 4% | $180 | $2,160 |
| Month 6 | 900 | 9% | $2,430 | $29,160 |
Auto-save smarter with income smoothing – no more missed contributions.
Target Upwork top earners via LinkedIn searches; Offer beta access in r/financialindependence freelance threads; Email list from freelancer newsletters.
Investments
No gig income handling
Gig-specific smoothing
Data moat on freelance income patterns for better predictions
Freelancers saving less due to volatility; rising 401k awareness with Roth changes.
Integration failures with banks
Use reliable APIs like Plaid
IRA compliance
Partner with custodians
Success: 80% pain validation
Success: 75 signups
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