All calculators

18 tools for US freelancers — taxes, rates, deductions, and retirement. Everything runs in your browser.

Taxes

Federal estimates ? know the number before the due date.

Taxes

Self-employment tax calculator

SE tax + federal income tax on 1099 income.

Taxes

Quarterly tax estimator

Split your annual bill across four IRS due dates.

Taxes

Effective tax rate

Your real tax percentage - not just your bracket.

Deductions

Write-offs you are probably already paying for.

Deductions

Mileage deduction

IRS mileage rate x your business miles.

Deductions

Home office

USD 5/sqft simplified vs actual expenses.

Deductions

Health insurance

Write off premiums when you are self-employed.

Deductions

QBI (Section 199A)

The 20% deduction - do you qualify?

Pricing

Charge enough to cover tax and still eat.

Pricing

Freelance hourly rate

Work backwards from the take-home you want.

Pricing

Project quote builder

Hours + buffer + tax in one number.

Pricing

1099 vs W-2

Same job, two offers - which pays more?

Pricing

Rate raise estimator

What a 10% bump actually does to your year.

Invoicing

Get paid without the awkward follow-ups.

Invoicing

Late fee calculator

Price a late invoice - 1.5%/mo or flat.

Invoicing

Net-30 cash-flow

When that invoice actually hits your account.

Invoicing

Payment plan builder

Milestone payments a client might actually sign.

Retirement

Shelter income while you still have income.

Retirement

Solo 401(k) limits

Employee + employer cap in one place.

Retirement

SEP IRA calculator

Roughly 20% of net earnings, pre-tax.

Retirement

Roth vs traditional

Pay tax now or later - which wins?

Retirement

HSA contribution

Limits and tax savings if you are on an HDHP.

Need background reading? See our guides.