Retirement and taxes, sorted — for freelancers.
Open a portable Roth IRA in minutes, auto-save from every client payment, track deductible expenses, and never miss a quarterly tax payment again.
Connects with the platforms you already use
A portable Roth IRA
The PRActicle™ portable Roth IRA (via a FINRA/SIPC-member broker-dealer) takes post-tax contributions up to $7,500/year ($8,600 if 50+), grows tax-free, and auto-invests from every client payment — qualified withdrawals are tax-free and the account follows you across platforms.
Deductions, tracked
Home office, software, equipment, mileage, and more are deductible on Schedule C. Gigaverse categorizes expenses automatically.
Quarterly taxes on autopilot
Gigaverse estimates your quarterly estimated taxes and reminds you before each IRS deadline so penalties never sneak up.
Get paid instantly
Settle client payments in under a minute via stablecoin rails — no waiting on slow transfers.
Freelancer questions, answered
What retirement account is best for freelancers?+
The Gigaverse PRActicle™ is a portable Roth IRA (via a FINRA/SIPC-member broker-dealer): post-tax contributions up to $7,500/year ($8,600 if 50+) that grow tax-free. Higher earners may also consider a SEP IRA or Solo 401(k) (opened at a separate brokerage); compare with our calculators — this is not individualized tax advice.
How does Gigaverse help with freelance taxes?+
It tracks deductible expenses, calculates quarterly estimated taxes, and reminds you before deadlines. Your actual savings depend on your income and expenses.
Can I use Gigaverse if I bill clients directly?+
Yes — connect your accounts or log direct payments, and Gigaverse handles retirement auto-saving, deductions, and quarterly taxes.
Freelancer deep-dive guides
Freelancer Taxes
Freelancing means no employer withholding and no W-2 — you owe income tax plus self-employment tax, and you pay it yourself, four times a year. Good expense tracking is what keeps the bill reasonable.
Read the guideFreelancer Retirement
Freelancers trade the employer 401(k) for something arguably better: self-employed accounts with far higher contribution limits. The challenge is just doing it consistently when income is irregular.
Read the guideFreelancer write-offs
Freelancers running a one-person business have access to the same suite of deductions as any company, and those write-offs reduce both income tax and self-employment tax. The challenge is knowing which expenses qualify, what percentage you can claim, and what documentation the IRS expects.
Read the guideGigaverse is built for every kind of independent worker
Free calculators for freelancers
Ready to keep more of what you earn?
Free to open Instant pay Portable IRA
Gigaverse is not a bank. Brokerage services are provided through a FINRA/SIPC-member broker-dealer. Tax outcomes depend on your individual circumstances; Gigaverse does not guarantee any specific savings.