Money math for people
who work for themselves
Seventeen calculators for the numbers freelancing makes complicated: what you owe, what to set aside, what to charge, and whether the work is actually paying. Everything runs in your browser and nothing you type is stored or sent anywhere.
Taxes and deductions
What you owe, and what you can write off.
Self-employment tax calculator
Estimate the 15.3% SE tax on your 1099 profit.
Quarterly taxesQuarterly estimated tax calculator
See what to send the IRS every three months.
Home officeHome office deduction calculator
Compare both home office methods side by side.
MileageMileage deduction calculator
Turn business miles into a deduction figure.
Write-offsTax write-off calculator
See the real after-tax cost of a purchase.
Rates and pricing
What to charge, and what you actually keep.
Freelance hourly rate calculator
Find the rate that actually hits your income target.
Real hourly rateEffective hourly rate calculator
See what a gig really pays after everything.
1099 vs W-21099 vs W-2 calculator
Compare a contract rate against a salary offer.
Hourly to salaryHourly to salary calculator
Turn an hourly rate into annual pay.
Salary to hourlySalary to hourly calculator
Convert a salary into an hourly figure.
Project quoteProject quote calculator
Price a fixed-bid project with a risk buffer.
Business health
Margins, breakeven, and staying solvent.
Profit margin calculator
Gross profit, margin, and markup from revenue and cost.
MarkupMarkup calculator
Set price from cost and a target margin.
Break-evenBreak-even calculator
Find the sales volume that covers your costs.
Late feesLate fee calculator
Calculate what an overdue invoice has accrued.
RunwayFreelance runway calculator
See how many months your savings cover.
Billable hoursBillable hours calculator
Work out utilisation and weekly revenue.
Start here if you're new to freelancing
Three numbers matter more than the rest, and they build on each other.
What you'll owe. Freelance income arrives untaxed, which means the bill lands later and lands whole. Self-employment tax alone runs 15.3% before income tax enters the picture. Knowing that figure early is the difference between a manageable spring and a bad one.
What to set aside. Once you know the annual number, the practical move is moving a percentage of every payment into a separate account the day it arrives, and paying the IRS four times a year rather than once in April.
What to charge. Rates that look generous next to a salary often aren't, once unpaid time and self-funded benefits are counted. Working backward from the income you actually want is more reliable than pricing against what other people quote.
Common questions
Is any of this stored?
No. Every calculation runs in your browser. Nothing you enter is transmitted to a server, saved, or associated with you.
How accurate are these?
They're planning estimates built on current federal figures. They don't model every credit, deduction, state tax, or unusual filing situation, and tax figures change annually. Treat the output as a starting point for a conversation with a tax professional, not a filing document.
Do these cover state taxes?
No. Federal only. State income tax rules vary enormously and several states have none at all.
Do I need an account?
No. There's nothing to sign up for and nothing to install.