Solo Biz Soft Editorial Team Starting as a freelancer is easier than most people think, but it is worth setting up a few things before your first client so you look professional and avoid problems later. Use this checklist and adapt it to your country and your type of work.
Money and legal
- Check the rules where you live. Registration, tax and insurance rules for freelancers vary by country. Look at your tax authority’s guidance or ask a qualified accountant.
- Open a separate account. Keep business income and spending apart from personal money.
- Choose a payment method. Bank transfer, card payment link or another option your clients can use.
- Set your tax reserve. Decide what share of each payment you will set aside for tax.
- Consider insurance. Ask what cover is suitable for your work.
Pricing and sales
- Work out your minimum rate. Use our Freelance Hourly Rate Calculator.
- Choose how you price. See How to Price Freelance Projects.
- Write your service offer. One sentence: who you help and how.
- Prepare a proposal. Use our Freelance Proposal Template.
- Prepare a contract. Start from our Freelance Contract Template.
Tools and admin
- Set up invoicing. Start with our free invoice generator, then consider accounting software when you have regular clients.
- Set up a simple record system. A spreadsheet with dates, clients, amounts and expenses is enough at first.
- Set up a professional email address. A custom domain looks more trustworthy.
- Make a simple website or profile page. Your offer, proof of work and contact details.
- Use a calendar and a task list. Track deadlines and follow-ups.
Find your first clients
Follow our How to Find Your First Freelance Clients plan to reach your first paying clients.
Frequently asked questions
Do I need a business registration to freelance?
It depends on your country and how you work. Check with your tax authority or an accountant.
How much money should I have saved?
Many freelancers aim for a few months of living costs, because income can be uneven at the start. Choose a figure that suits your situation.
Should I quit my job first?
Many people start on the side while they build clients. Check any rules in your employment contract.
Related reading: How to Find Your First Freelance Clients · How to Price Freelance Projects
This article is general information, not legal or tax advice. Rules differ by country, so check what applies to you.
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