Tools
Free calculators for self-employed financial planning.
1099 vs. W-2 Calculator 2026How much more you need to bill as a 1099 contractor to take home the same pay as a W-2 salary, with health insurance, a retirement match, state tax and unpaid time.Open the calculator →Freelance Hourly Rate Calculator 2026Start from the take-home pay you want and find the hourly rate to charge, after self-employment tax, income tax, expenses, health insurance and unbilled time.Open the calculator →Solo 401(k) Contribution Calculator 2026The most you can put into a Solo 401(k): employee deferral, catch-up and employer contribution shown separately, with a 401(k) at another job and a deferral plan.Open the calculator →Freelance Tax Calculator 2026Self-employment tax, federal and state income tax on your freelance profit, how much to set aside, and your quarterly payment, with a W-2 job, spouse and dependents.Open the calculator →Self-Employed Retirement Contribution CalculatorYour maximum Solo 401(k) and SEP IRA contribution side by side, for sole proprietors and S-corp owners, plus the federal income tax it could save.Open the calculator →Quarterly Estimated Tax CalculatorYour 2026 federal tax as a freelancer, the smallest total that avoids the underpayment penalty, and what to pay by each quarterly due date.Open the calculator →Self-Employment Tax CalculatorYour 2026 self-employment tax line by line, as on Schedule SE: Social Security, Medicare, the deductible half and how a W-2 job changes it.Open the calculator →Mileage Deduction CalculatorYour 2026 standard mileage deduction at both IRS rates (72.5¢ and 76¢ from July 1), and roughly how much federal tax it saves.Open the calculator →Home Office Deduction CalculatorSimplified ($5 per square foot) vs. regular method side by side, which one gives you more, and roughly how much federal tax each saves.Open the calculator →S Corp Tax Savings CalculatorSole proprietor vs. S corp at your reasonable salary: payroll taxes, income tax and QBI, net of the extra costs, with the break-even profit.Open the calculator →