Build the tax habit self-employment requires — the setaside percentage from day one, the quarterly calendar, the records that make filing boring, and the no-withholding mindset shift nobody explains. Use when asked how do taxes work for my side income, how much should I set aside, what are estimated quarterly payments, or set up my freelance tax system. Produces the setaside rule with its honest range, the quarterly rhythm calendar (jurisdiction-flagged), the five-minute-a-week records system, and the deduction-tracking habit — framing routed to a local professional for the numbers.
▸The income shape — rough monthly side income and trajectory; steady vs. lumpy changes the setaside mechanics (lumpy = percentage-per-payment, never a monthly guess)
▸The tax context, loosely — country and whether this stacks on employed income (the marginal-stacking point is where most first-year surprises live: side income generally lands *on top*, taxed at the margin — stated as framing, numbers routed locally)
▸What exists today — separate account? Any setaside so far? Mid-year starts get the catch-up framing, calmly
▸The professional status — accountant engaged? The skill's endpoint is a clean handoff to one, and it says so
✅ The bar it holds itself to
Every skill in this library self-verifies — these are this skill's own quality checks, straight from its definition.
✓The setaside triggers on receipt with a stated band and its safety-margin framing
✓The one-way-glass rule appears bluntly
✓Every date and rate is typed generic with the verify-locally flag
✓The records habit is small enough to survive (minutes, not sessions)
✓The professional handoff is the stated endpoint, not an afterthought
⚠️ What it refuses to do
Do not compute actual tax liability — bands and rhythm here, numbers at the professional's desk
Do not let the setaside wait for month-end — receipt-time or the money gets spent
Do not design a records system that takes an evening — it will be abandoned by week three
Do not treat the tax account as accessible — the first raid ends the system
Do not shame the mid-year starter — catch-up framing, calmly; the second-best time is now
Install
npx pm-claude-skills add --agent claude # or codex · cursor · gemini · hermes
# or one-line MCP (every skill, any client):
claude mcp add pm-skills -- npx -y pm-claude-skills-mcp