All calculators
30 tools for US freelancers — taxes, rates, deductions, and retirement. Everything runs in your browser.
Taxes
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.
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.
S-Corp savings calculator
SE tax saved vs sole prop — minus payroll admin costs.
Estimated tax penalty
Underpayment penalty vs the 90% safe harbor.
Deductions
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.
Pricing
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.
Invoicing
Get paid without the awkward follow-ups.
Retirement
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.
Need background reading? See our guides.