Benefits for people who work for themselves

Split it like a paycheck.

Every time you get paid, Benefits OS tells you what belongs to taxes, what funds your time off and protection, and what's actually yours to spend. It's what an employer would do for you, without the employer.

Calculate my paid days→ Join the waitlist

Free calculator · No bank login · We never hold or move your money

Benefits PaydayYou received $3,000

Taxes

Taken first.

$750

Paid time off

Vacation, sick and personal days

$150

Emergency income

Toward 3 months of essentials

$100

Retirement

Toward your goal

$75

Available to you$1,925

This payment funded 0.5 paid days off.

Your own benefits department, in three steps.

Take the checkup

19 questions, about 8 minutes. You get a Benefits Readiness Score and a level from Vulnerable to Fully Funded, with the reason for every point.

Split every payment

Each time you get paid, your Benefits Payday says what goes to taxes, time off, emergency income and retirement, and what you can spend.

Watch yourself get protected

Dollars become paid days. Ask "Can I take 7 days off in December?" and get Yes, Yes if…, or Not yet.

Free PTO calculator

What does a paid day off cost you?

Enter rough numbers. We'll work out your day value, what to set aside per payment, and what your paycheck split looks like.

Your income

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How often you get paid

Paid days you want each year

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Protection

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One paid day

Yearly PTO to fund

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Set aside for time off

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Your Benefits Paydayon a typical {{ typicalPay }} payment

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Save this plan: join the waitlist→

Day value = net business income (after business expenses) ÷ workdays. The tax set-aside is a planning estimate, not tax advice; your tax professional can confirm your rate. Putting money aside for PTO isn't a tax deduction.

Start free. Upgrade when it's working.

Every new account gets 30 days of Benefits OS free, so you can try the Payday habit before you decide. Annual plans also earn the KFF Benefits Boost: cash or Kingfluence credit for hitting milestones like your first 5 funded paid days.

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Early access

Get your benefits package before tax season.

We open in January. Waitlist members get the first invites, and Kingfluence Financial tax clients get the pilot first.

We'll save your calculator results: {{ dayValue }} a day, {{ ptoPerPay }} per payment for {{ totalDays }} paid days.

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What kind of work do you do?

Are you a Kingfluence Financial tax client?

Which plan interests you?

Email me about early access. I understand Benefits OS is educational planning software, not tax, legal or investment advice.

Join the waitlist→

You're on the list

Create your account and take the checkup→ Or explore a sample dashboard →