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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Chain · PIVOT-02

Entrepreneurial Transition

Quitting the salary is easy. Quitting the salary and keeping the lifestyle is the hard part. This chain sizes the rate you actually need, checks whether your current gig clears that bar, and projects the runway you have to reach it.

Each stage writes a Live Variable downstream. Change any input — the Zero Date moves in real time.

How the pipeline works

Stage 1 broadcasts your target hourly rate. Stage 2 measures what your gig actually pays after operating costs. Stage 3 stacks the gig's monthly net onto your revenue and shows the runway that buys you.

01
Stage 1 of 3
Price the corporate salary you left behind
Standalone · Minimum Viable Rate →

Add benefits, overhead, realistic utilization. The result is the rate your freelance self must clear to stand still.

MINIMUM_VIABLE_RATE
Freelancer reality check — rate that matches a corporate salary after invisible costs
$
$
$
$
MINIMUM VIABLE RATE
$130/hr
Based on 1128 effective billable hours/year (60% utilization).
WAGE COMPARISON
Living Rate$61/hr
Target Rate$130/hr
Annual Need
$147,000
Eff. Billable Hours
1128/yr
Living Rate
$61/hr
Overhead Share
18%
▸ METHODOLOGY
MVR = (salary + benefits + overhead) ÷ (weeks × hours × utilization). Utilization captures non-billable time (admin, sales, sick days) — at 60%, 40 weekly hours becomes 24 billable. Benefits value should reflect health insurance, 401k, paid time off. Overhead covers tools, accounting, equipment.
TARGET HOURLY RATE—
02
Stage 2 of 3
Check what your current gig actually pays
Standalone · Gig-Net Floor →

Gross minus IRS-standard mileage cost. Compare the real hourly against the rate you need. Monthly net pipes downstream.

GIG_NET_FLOOR
Real hourly after gas + mileage depreciation (IRS standard)
$
$
$
MIN$12.73REAL/HR
TRUE EARNINGS
BELOW LOCAL MIN
Net is below the minimum wage floor ($15.00/hr). You are trading car equity for app cash.
Gross / hr
$23.33/hr
Operating Cost
$63.65
Real Profit / shift
$76.35
Monthly Net
$1,322.38
Gas Used (est.)
$13.30
▸ METHODOLOGY
Operating cost = miles × $0.67 (2024 IRS standard mileage rate, capturing gas + maintenance + depreciation). Real hourly = (gross − operating cost) ÷ hours. The IRS rate is conservative for high-mileage vehicles but represents long-run true cost — not just gas. Gas price is shown for sanity-check only; it is already inside the IRS figure.
SIDE HUSTLE MONTHLY NET—
03
Stage 3 of 3
Project the runway the pivot buys
Standalone · Runway Zero →

Monthly gig-net stacks onto base revenue as a Live Variable. Watch the Zero Date slide as you tune upstream rates and shifts.

RUNWAY_ZERO
Cash exhaustion forecast — months until bankrupt
$
$
$
ZERO DATE
November 2026
5 months · 24 days remaining
CASH BALANCE OVER TIME
horizon: 6.7mo
ZERO$250,000$06.7monow
Net Burn
$43,000
Revenue (effective)
$22,000
Burn Multiple
2.95×
▸ METHODOLOGY
Runway = Cash ÷ (Burn − Revenue). The Zero Date is projected from today using 30-day months. Crisis mode zeroes revenue to model the worst-case shock. Inputs persist locally.

Why this pipeline exists

A freelance rate in isolation is a guess. A freelance rate measured against your own salary, checked against your actual gig economics, and projected onto your runway is a plan. Same deterministic math — connected.