Calculators · 2026 · free
Free tax calculators for freelancers.
Free tools covering federal, state, and self-employment tax math for US 1099 contractors and self-employed Americans. No signup, no email — every calculator runs entirely in your browser.
Estimate
Estimate
Project your full tax bill or break it down by jurisdiction.
Quarterly tax calculatorFederal + state + 15.3% SE tax in 30 seconds, split into 4 quarterly payments.
Federal tax brackets (2026)Find your marginal + effective rate against TY 2026 brackets.
State tax compareTake-home in any 2 states, side by side.
Gig worker taxDoorDash, Uber, Lyft, Instacart presets with auto-mileage.
Compare
Compare
Run two scenarios side by side or pin the right hourly rate.
1099 vs W-2 take-homeSame gross income, side-by-side after-tax pay with QBI + SE tax.
Freelance hourly rateWhat should you charge to hit your target take-home?
W-2 → 1099 rateEquivalent 1099 hourly rate for your current W-2 salary.
Hourly ↔ salaryConvert hourly to annual or vice versa, all taxes included.
Going full-time freelanceRunway + tax delta for going full-time Runway + tax delta math.
Deductions
Deductions
Maximize the write-offs you're entitled to as a self-employed taxpayer.
QBI deduction (§199A)20% pass-through deduction with SSTB phase-outs + W-2 wages cap.
Home office deductionSimplified ($5/sqft) vs actual method — picks the bigger.
§179 vehicle deductionYear-1 deduction for business vehicles + heavy SUV exception.
Standard mileage vs actualWhich vehicle expense method saves more for your usage?
Augusta Rule (§280A)Rent your home to your business up to 14 days/year tax-free.
Filing & retirement
Filing & retirement
Stay penalty-free, time your contributions, set the right S-corp salary.
Estimated tax penalty§6654 underpayment penalty for missed quarterly payments.
1099-K threshold checkerWill PayPal/Venmo/Stripe send you a 1099-K? OBBBA-restored thresholds.
Solo 401(k) contributionMax by income, age, entity type — 2026 limits + SEP-IRA compare.
401(k) projectionProject your retirement balance — contribution %, employer match, salary growth, 4% withdrawal.
Roth IRA projectionTax-free retirement balance with 2026 MAGI phase-out check ($150k/$236k start).
SEP-IRA max + projectionMax contribution for sole props (20% effective) and S-corps (25% of wages) — 2026 limits.
Personal loanMonthly payment + total cost + true APR including origination fee (the number most calcs hide).
Compound interestProject growth from initial deposit + periodic contributions. Daily/monthly/annual compounding, inflation adjustment.
Net worth (self-employed)Assets minus liabilities with business equity + concentration risk + liquid net worth.
Cost of living comparisonGeo-arb for remote freelancers — housing + expenses + state income tax delta between two states.
DTI ratio + lender tierFront-end + back-end DTI with lender tier classification and 1099-specific income-treatment notes.
Payroll tax calculatorEmployer + employee FICA, federal withholding, FUTA — for S-corp owners.
S-corp savings calculatorSE tax saved by electing S-corp vs sole proprietor — with reasonable-salary audit-risk indicator and 5-year compound value.
ACA subsidy calculator2027 marketplace premium tax credit estimate based on projected 1099 income — FPL band, contribution cap, monthly subsidy.
Emergency fund (irregular income)Risk-weighted target for freelancers — adjusts for income volatility + client concentration. Not the W-2 "3 months" rule.
For publishers