Curriculum Money for Freelancers & Independent Workers
Money for Freelancers & Independent Workers
A practical guide for freelancers, consultants and independent workers in India - budgeting on irregular income, pricing, contracts, taxes and GST, getting paid from abroad, insurance, retirement, platform fees and growing into a business.
- Freelancing in India: The Big Picture Who freelances in India, why more people choose independent work, and the financial trade-offs compared with a salaried job. 📄 Read-aloud
- Budgeting on an Irregular Income How freelancers can smooth uneven earnings into a steady monthly "salary" using a baseline budget, a holding account and a larger emergency fund. 📄 Read-aloud
- Pricing Your Freelance Work How to set rates that cover taxes, non-billable time and business costs, and when to charge by the hour, by the project or by the value delivered. 📄 Read-aloud
- Contracts, Invoices and Getting Paid on Time How freelancers can protect themselves with clear contracts, professional invoices, advance payments and legal protections for small businesses. 📄 Read-aloud
- Income Tax for Freelancers in India How freelancers are taxed in India, including presumptive taxation for professionals, TDS deducted by clients, deductible expenses and advance tax. 📄 Read-aloud
- GST for Freelancers When a freelancer must register for GST, how GST works for services to Indian and foreign clients, and why exports of services are zero-rated. 📄 Read-aloud
- Money for Freelancers: Checkpoint 1 Quick checkpoint - five questions on freelancing, irregular income, pricing, contracts and taxes. 5 questions
- Getting Paid From Abroad The options Indian freelancers have for receiving payments from foreign clients, the hidden costs of exchange rates and fees, and the paperwork that proves export income. 📄 Read-aloud
- Protecting Yourself Without an Employer The insurance freelancers need to buy for themselves - health, term life, disability and equipment cover - and how to choose sensibly. 📄 Read-aloud
- Retirement Savings Without an Employer How freelancers can build retirement savings without EPF, using NPS, PPF, mutual funds and automatic habits. 📄 Read-aloud
- Working Through Freelance Platforms How freelance marketplaces help find clients but take commissions and control relationships, and how freelancers can balance platform work with direct clients. 📄 Read-aloud
- Feast or Famine: Managing Workload and Burnout Why freelancers swing between too much work and too little, how to build a steady pipeline, and how to protect your health and income from burnout. 📄 Read-aloud
- From Freelancer to Business When and how a freelancer might grow into a business by hiring, forming an LLP or company, and systemising work, plus a recap of the module. 📄 Read-aloud