Your side hustle is making money? Let's make sure you keep it.
Answer a few quick questions and get a personalized tax snapshot — see how much to set aside, what you can write off, and what you're missing. No signup required.
Your money, under control
Three things every freelancer needs to know — Fynn handles all of them.
Know your tax bill before it blindsides you
Fynn calculates exactly what you owe from every income stream, every month.
Catch the deductions you're leaving behind
Your phone, laptop, software, and Wi-Fi are probably tax-deductible. Most freelancers never claim them.
Get your safe-to-spend number
Know exactly how much of your earnings you can actually spend, so you never accidentally blow your tax money.
Freelance taxes are genuinely harder
We didn't invent the problem — the tax code did. Here's what every independent earner is actually up against, straight from the source.
15.3%
Self-employment tax
On top of income tax, freelancers owe 15.3% for Social Security and Medicare — with no employer to split it. Fynn sets it aside before you spend it.
Source: IRS$1,000
The quarterly-tax trigger
Owe more than this for the year and the IRS expects estimated payments every quarter. Miss them and penalties start adding up. Fynn tracks every deadline for you.
Source: IRS~1 in 6
U.S. adults earn from gig work
About 16% of Americans have earned money through an online gig platform — most with taxes never withheld. Fynn is built for exactly this kind of income.
Source: Pew Research CenterFigures reflect current IRS rules for self-employment tax and estimated payments, and Pew Research Center's “State of Gig Work” research on U.S. online-platform earners. Shared for general context — not tax advice.
Ivy League universities studied the same problem
The financial precarity of gig workers isn't anecdotal — it's documented in peer-reviewed research from Harvard and Wharton.
30%
of gig workers used food assistance
A national survey found 30% of gig workers relied on SNAP within the past month — double the rate of comparable W-2 service workers. The financial safety net simply doesn’t exist for independent earners.
Source: Harvard Kennedy School, The Shift Project (2022)< 1 in 3
young adults understand basic finance
Only 27% of young adults (ages 23–28) could correctly answer questions about interest rates, inflation, and risk diversification. The knowledge gap starts before the first freelance dollar arrives.
Source: Wharton School, UPenn (Lusardi, Mitchell & Curto)
Ilya Borunkov
FounderIncoming Northeastern University student
Harvard Summer School
Personal Finance & Well-being (Econ S-70) · 4 credits · Grade: 92%
Coursework included calculating tax brackets, retirement planning (Roth IRA & 401k), behavioral economics, and nudge theory.
“I built Fynn because I saw how broken the system is for student freelancers firsthand — no withholding, no guidance, just a tax bill you didn't see coming.”
Harvard University and Northeastern University are not affiliated with and do not endorse Fynn. This product does not provide tax, legal, or financial advice.
A Wharton professor on why systems beat willpower
Wendy De La Rosa, behavioral scientist at The Wharton School, explains why automating your finances works better than trying harder — the exact principle behind Fynn.
Wendy De La Rosa
Asst. Professor of Marketing, The Wharton School · TED Speaker
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