# Take-home estimator — freelancer tax reserve guide

Clone of [MarginMap's Freelancer Tax Guide 2026](https://dev.to/marginmap/the-freelancer-tax-guide-2026-what-you-actually-take-home-14ag) buyer channel + [theaccountantguy Accounting Toolkit (92 sales)](https://theaccountantguy.gumroad.com/l/notionaccountingtoolkit).

**Not tax advice.** Planning numbers only — confirm with a CPA.

## Run it

```bash
python3 accounting_toolkit.py --take-home income-sample.csv expenses-sample.csv
```

## How to use with Accounting Toolkit Tracker

1. Log income and expenses in the CSV templates.
2. Run `--take-home` after each big deposit or monthly close.
3. Transfer the reserve amount to a tax-only savings account same day.
4. Use the full dashboard for debt, savings funds, budget, and net worth.

Full kit: [Accounting Toolkit Tracker clone (EUR 9)](https://ytinumoc.github.io/toolkitlabs-invoice/accounting-toolkit-tracker/)