Kefiw

Archived noindex page. Kefiw's public focus is Property decision help.

Archived page

This older Kefiw page is kept for reference, marked noindex, and removed from the primary sitemap. The current Kefiw experience is focused on property decisions: cost, quotes, damage, buying, selling, owning, and packets.

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The Leap

The date your side hustle sustainably replaces salary + benefits.

Your net salary plus benefits is the bar. Your hustle revenue minus expenses, taxed at a 25% self-employment reserve, is the climber. Enable the Safety Buffer to require a 1.25× overshoot before leaping.

Part of: Saving & Spending Calculators

Start below
Fields marked optional can be skipped; results update as you type
THE_LEAP
Side-hustle to full-time — exact date of sustainable replacement
$
$
$
$
LEAP TRAJECTORY
— Current Total Comp— Hustle Net After Tax- - Safety Target
LEAP DATE
No Leap Within 10 Years
Current gap: $7,700/mo. Raise revenue, cut expenses, or accelerate growth.
Total Comp Target
$9,125
Hustle Net Today
$1,425
Monthly Gap
$7,700
SE Tax Drag
$475
▸ METHODOLOGY
Hustle net = (Revenue − Expenses) × 0.75 (25% self-employment tax reserve). Total comp target = Net Salary + Benefits Value, multiplied by the safety buffer when enabled. The Leap Date is the first month hustle net clears that target, compounding monthly at the annual growth rate.

How to use

  1. Enter Net Salary/month, Benefits Value/month, and Hustle Revenue now.
  2. Set Expenses/month and expected Annual Growth %.
  3. Toggle Safety Buffer if you want a margin above parity.
  4. The Leap Date is when hustle net clears the target — compounding monthly.

Examples

$6.5k salary + $800 benefits, $2.2k hustle @ 6%/yr
Leap in ~36 months without safety buffer; ~52 with 1.25× buffer.

Before you trust the result

Check the inputs that matter most: dates, rates, units, costs, and any optional fields you skipped. A calculator can only work with the numbers entered here, so use the result as a decision check rather than a final answer when money, health, tax, legal, or safety consequences are involved.

If the result feels surprising, change one input at a time and watch which number moves. That usually shows the real lever behind the decision.

Next up

Pick your leap date — now lock the hourly rate that covers life.Minimum Viable Rate → Plan the runway cushion you need for the transition months.Runway Zero →

Frequently asked questions

› Why 25% self-employment tax? Troubleshooting

Roughly self-employment tax + state + federal for mid-bracket earners. Adjust mentally if you are higher/lower.

› What about irregular income?

Use a 12-month trailing average of hustle revenue; do not pick the best month.

Tips & related reading

See the Saving & Spending Calculators hub →

Tips & how-tos

Relevant links

Related tools

Runway Zero

Calculate the exact month your cash runs out. Crisis toggle models a worst-case scenario with revenue zeroed.

Minimum Viable Rate

The absolute minimum hourly rate to match a corporate salary after self-employment tax, benefits, and non-billable time.

S&P 500 Reality Check

What this $10k would be worth in 10, 20, or 30 years if invested instead. Compound-growth opportunity-cost filter.