For freelancers

Money for Freelancers & Self-Employed

Freelance income is unpredictable — your money system shouldn't be. Presumptive taxation (Section 44ADA = 50% expense deduction), GST registration thresholds, separate emergency funds, retirement without EPF. Built for consultants, content creators, designers, dev consultants, and the rest of India's self-employed.

Why this hub

Freelancers don't get EPF, PF, or salary structuring — they pay tax differently (44ADA), need bigger emergency funds, and have to build retirement income from scratch.

Where to start

  1. Priority 1

    Tax planning (44ADA)

    Presumptive 50% expense deduction for ₹50L revenue.

  2. Priority 2

    GST registration

    Mandatory above ₹20L (₹40L for goods) — register correctly.

  3. Priority 3

    NPS / PPF

    Build retirement income — no employer EPF to fall back on.

  4. Priority 4

    Health insurance + term life

    No employer cover — buy your own.

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Calculators for you

Freelancer taxGST calculatorNPS calculatorPPF calculatorOld vs New tax regime

Regulatory + scheme rules

  • Section 44ADA: presumptive 50% expense deduction up to ₹75L gross receipts (FY25 onwards)
  • GST registration: mandatory above ₹20L revenue (₹40L for goods sellers)
  • Quarterly advance tax: 15/45/75/100 split — penalty on missed deadlines
  • NPS: open to anyone — substitute for EPF

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