When could my side income replace my paycheck?
Track a side business or freelance work against what you would need to go full time.
Try this with your agent- What your agent needs
- Deposits from your side work, your paycheck, and essential spending. Your agent asks which payers are the side work.
- What you get back
- A live page tracking side income month by month against the amount you would need.
- When to use it
- Run it when you need it, or ask your agent to repeat it monthly.
Try it with your finances.
Copy the prompt into the AI agent you use with Candor. It works from your Candor records and asks for anything it's missing. New to Candor? Connect your agent first.
Help me see when my side income could replace my paycheck. Ask which deposits in Candor come from my side work, and keep them apart from my salary. Work out what I would need each month to go full time, including essential spending, taxes I would set aside, and health coverage I would have to buy. Build a live page in Candor that tracks side income month by month against that amount, shows the trend, and estimates when it would get there at its recent pace. Let me change the target and pace on the page. If something the page depends on is missing, say so on the page instead of counting it as zero. Save the target as a goal if I want to track it.
Nothing runs until you send the prompt to your agent.
Compare side income with what full time would cost
Matching your paycheck is not the bar. Going full time means covering taxes you would set aside, health coverage you would buy, and months that come in light. Candor separates your side deposits from salary once you say which payers they are, and tracks the trend month by month.
Check the answer
- Check that the target includes taxes and health coverage, not just your current take-home pay.
- Look at the slowest recent months as well as the trend. A rising average with deep dips is a different decision from a steady climb.
Choose a next step
Save the target as a goal and let your agent add each month's side income. Keep the business activity tagged so the numbers stay clean.
Keep exploring.
Can you keep my side business separate from my personal money?
Tag business income and costs as they come in, even from shared accounts.
One-time or monthlyLooking aheadHow long could I go if work slows down?
Runway on uneven pay, using your own slowest weeks rather than an average.
One-time or monthlyHouseholdWhat does my tax preparer need from me?
Bring income, possible business expenses, and missing documents into one checklist.
One-time reviewFull guideAsk it with your own numbers.
Set up Candor, then send this to the agent you already use. It answers from your real records and keeps the plan for next time.