Taxes, rates, and retirement — without the spreadsheet.
Tax, pricing, and retirement calculators for US freelancers. Numbers stay on your device — no account needed.
Popular calculators
Self-employment tax calculator
SE tax + federal income tax on 1099 income.
1099 tax calculator
Federal tax on 1099-NEC and contract income — SE tax plus income tax.
Quarterly tax estimator
Split your annual bill across four IRS due dates.
1099 vs W-2
Same job, two offers - which pays more?
Freelance hourly rate
Work backwards from the take-home you want.
Mileage deduction
IRS mileage rate x your business miles.
Solo 401(k) limits
Employee + employer cap in one place.
Federal estimates — know the number before the due date.
Self-employment tax calculator
SE tax + federal income tax on 1099 income.
1099 tax calculator
Federal tax on 1099-NEC and contract income — SE tax plus income tax.
1099-NEC tax calculator
Tax on Box 1 nonemployee compensation — SE tax plus income tax.
Side income tax calculator
Extra tax when you have a W-2 job plus freelance or 1099 side income.
S-Corp savings calculator
SE tax saved vs sole prop — minus payroll admin costs.
Estimated tax penalty
Underpayment penalty vs the 90% safe harbor.
Quarterly tax estimator
Split your annual bill across four IRS due dates.
Effective tax rate
Your real tax percentage - not just your bracket.
Freelance tax bracket
Marginal federal bracket vs effective rate on net income.
Write-offs you are probably already paying for.
Mileage deduction
IRS mileage rate x your business miles.
Home office
USD 5/sqft simplified vs actual expenses.
Health insurance
Write off premiums when you are self-employed.
QBI (Section 199A)
The 20% deduction - do you qualify?
Section 179 deduction
Instant expensing for business equipment purchases.
Charge enough to cover tax and still eat.
Freelance hourly rate
Work backwards from the take-home you want.
Consulting day rate
Day rate from your take-home target and billable days.
Day rate calculator
Convert hourly to daily, weekly, and annual billings.
Target net income
Gross revenue needed to keep your target after tax.
Project quote builder
Hours + buffer + tax in one number.
1099 vs W-2
Same job, two offers - which pays more?
Rate raise estimator
What a 10% bump actually does to your year.
Get paid without the awkward follow-ups.
Shelter income while you still have income.
Solo 401(k) limits
Employee + employer cap in one place.
Solo 401(k) vs SEP IRA
Compare max contributions at the same self-employment income.
SEP IRA calculator
Roughly 20% of net earnings, pre-tax.
Roth vs traditional
Pay tax now or later - which wins?
HSA contribution
Limits and tax savings if you are on an HDHP.
Guides
View allHow self-employment tax works for freelancers
What the 15.3% SE tax covers, how the 92.35% base works, and when it stacks on top of income tax.
How much to set aside for quarterly taxes
A practical set-aside percentage for 1099 income, when the IRS wants four payments, and what happens if you skip one.
QBI deduction for sole proprietors (Section 199A)
Who gets the 20% write-off, how phase-out works for high earners, and what our calculator assumes.
IRS sources and assumptions are documented on our methodology page.
Why people stick around
Numbers get updated
When the IRS publishes new brackets or mileage rates, we update the file and ship it. The year on your result tells you which rules you ran.
Your inputs don't leave
Everything runs in the browser. We don't see your income, store it, or sell it. Close the tab and it's gone.
Built for freelancers
These are the calculators we wanted when we were guessing quarterly payments and undercharging clients. No bank attached.