Scott Wagoner · Creative Systems Architect
Solo Income Planner
WA State · MFJ · Sole Prop / LLC
2025 Model
Quick scenarios
Tier 1 · FI
Financial Institutions
Credit unions $3B+ assets
$250 / hr
10
$250
Annual gross $125,000
Tier 2 · Agency
Small Agency
20–30 person shops
$165 / hr
5
$165
Annual gross $41,250
Tier 3 · Local
Local Businesses
Small regional clients
$125 / hr
3
$125
Annual gross $18,750
Total hrs / week
18
billable only
Gross / month
$15,417
pre-tax, pre-expense
Effective rate
$205
blended / hr
FI mix
68%
of gross revenue
Assumptions (editable)
Annual breakdown
$185,000
−$2,400
−$14,400
−$26,141
−$15,725
−$18,500
−$18,500
−$72,000
−$4,200
$13,234
Comfortable
$13,234 buffer · ~1.1 slow months of runway
Rates are hourly benchmarks. FI and agency work should be scoped as fixed-fee projects — divide the project fee by estimated hours to confirm you are above tier floor. SE tax uses effective rate of 14.13% (net of deductible employer half). Federal rate estimated post-QBI deduction + MFJ standard deduction. WA has no state income tax.