This page is for freelancers, contractors, gig workers, and anyone juggling 1099 income without payroll withholding. Use these tools to estimate self-employment tax, quarterly payments, deductions, and safe-harbor targets with the formulas visible at every step.
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If you want the fastest path instead of scanning the full grid, begin with the most useful and best-finished calculators in this category.
Calculate your quarterly IRS payments with QBI deduction (Section 199A), safe harbor, and all 4 due dates. Adds the 20% pass-through deduction that most freelancers forget to claim.
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IRS-compliant mileage log with 2024 standard rates ($0.67/mi business). Log trips with date, destination, and business purpose, see monthly deduction summaries, and export to CSV for your tax preparer.
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Your marginal bracket isn't what you actually pay. See your combined effective rate across federal, SE/FICA, and state — for W-2 or 1099 income. Bracket breakdown, take-home pay, and income scenario table.
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Why use these tools
Most online tax calculators assume payroll withholding. Ours start from gross 1099 receipts, subtract the deductions self-employed workers actually take, and surface the 15.3% SE tax most calculators bury or skip.
Each calculator shows the exact formula — SE tax base, the 92.35% adjustment, the deduction for half of SE tax, and the bracket math — so you can verify results against IRS publications instead of trusting a black box.
Run scenarios without creating an account or handing over your bank data. Numbers stay in your browser; you only share data when you choose to file with a tax pro or service.
Your marginal bracket isn't what you actually pay. See your combined effective rate across federal, SE/FICA, and state — for W-2 or 1099 income. Bracket breakdown, take-home pay, and income scenario table.
Σ Shows workEstimate your 2024 federal income tax, effective rate, and refund or amount owed. Includes bracket breakdown, itemized deductions, and withholding analysis.
Σ Shows workCalculate your home office tax deduction using the IRS simplified method ($5/sq ft, max $1,500) or the regular method (actual expenses × business-use %). See your estimated tax savings for freelancers and 1099 contractors.
Σ Shows workSide-by-side comparison of SEP-IRA, Solo 401(k), SIMPLE IRA, and Traditional IRA for 1099 workers. Enter your net SE income to see max contribution, immediate tax savings, projected balance at retirement, and monthly income at 4% withdrawal — for all four accounts simultaneously.
Σ Shows workCalculate your 2024 business meal deduction under TCJA 2017 rules. 50% for documented client/team meals, 100% for on-premises employer meals, 50% for office snacks. Covers the entertainment-vs-meal distinction, IRC §274(d) documentation requirements, and your quarterly tax savings.
Σ Shows workCompare IRS Simplified ($5/sq ft, max $1,500) vs Regular/Form 8829 side by side. Enter rent or mortgage expenses, see both deductions, the winner, tax savings at your rate, and quarterly payment reduction.
Σ Shows workFind out if PayPal, Venmo, Stripe, Etsy, or Square will send you a 1099-K. Enter income per platform, see which cross the IRS threshold ($5,000 in 2024, $2,500 in 2025, $600 in 2026+), and get your SE tax estimate regardless of the form.
Σ Shows workDetermine whether your payment triggers a 1099-NEC or 1099-MISC — and what to do with it. Covers freelance income, rent, royalties, prizes, attorney fees, and more. SE tax impact included.
Σ Shows workEnter your invoice amount, expenses, filing status, and state — see your SE tax, federal income tax, state tax, net take-home, and what to set aside quarterly. True after-tax $/hr included.
Σ Shows workSame gross pay, wildly different take-home. See exactly how W-2 and 1099 offers compare after self-employment tax, FICA, and employer benefits — then get the break-even number that tells you exactly what to negotiate.
Σ Shows workFormula
breakEven = 1099 gross that matches W-2 total value incl. benefits
Have a W-2 job and 1099 side income? Find out exactly how much to add on W-4 line 4c to cover your 1099 tax without paying quarterly estimates. Shows total liability, withholding gap, safe harbor status, and recommended amount per paycheck.
Σ Shows work2024 IRS mileage rates: $0.67/mi business, $0.21/mi medical, $0.14/mi charity. Split your miles by purpose, compare standard rate vs actual expenses (gas, insurance, depreciation, maintenance), and see your tax savings and quarterly payment reduction.
Σ Shows workCalculate how long it takes to pay off IRS tax debt with interest and failure-to-pay penalties. See the true cost, compare extra payment scenarios, model a one-time lump sum, and learn about IRS Fresh Start program options.
Σ Shows workModel four depreciation methods for any business asset: MACRS (IRS standard half-year convention), Straight-Line, Section 179 full first-year expensing (2024 limit $1.22M), and 60% Bonus Depreciation. Enter asset cost, class (5-yr, 7-yr, 27.5-yr, 39-yr), business use %, and marginal rate to get a year-by-year deduction schedule, total tax savings, and NPV at 7%.
Σ Shows work1099 contractors: see what lenders actually use as your income (net SE, not gross), calculate front-end and back-end DTI, get loan qualification likelihood, and credit improvement actions ranked by impact.
Σ Shows work2024 income tax rates for all 50 states and DC, ranked by freelancer-friendliness. Filter no-income-tax states, sort by rate, and read contractor-specific notes for every jurisdiction.
Σ Shows workVisual, educational tool showing exactly how 2024 federal tax brackets work. Stacked bar chart for each bracket, effective vs marginal rate, pre-tax deductions, and the bracket bump myth — busted with the math shown.
Σ Shows workFormula
tax = Σ(dollars_in_each_bracket × bracket_rate)
Calculate your Form 1040 Line 17 health insurance deduction as a self-employed person. Covers health, dental, vision, and LTC premiums. Shows deduction cap at net SE income, federal and state tax savings, and effective monthly premium cost after the government subsidy.
Σ Shows workCalculate your IRC §162(l) health insurance deduction: medical, dental, vision, and long-term care premiums. Includes income cap logic, marketplace subsidy interaction, and combined AGI reduction with the ½ SE tax deduction.
Σ Shows workCalculate the exact quarterly estimated tax payment to avoid the IRS underpayment penalty. Computes both safe harbor methods — 100%/110% of prior year tax vs 90% of current year — recommends the lower one, and shows your per-quarter payment schedule.
Σ Shows workCalculate your exact self-employment tax using the IRS formula. Shows SE tax (SS + Medicare), the half-SE deduction, 2024 federal income tax brackets, effective rate, take-home pay, and quarterly estimated payment.
Σ Shows workRemote freelancer with clients in multiple states? Calculate state taxes owed in each state, credits that prevent double taxation, and your true multi-state tax burden. Covers all 50 states + DC.
Σ Shows workCalculate your estimated quarterly tax payments as a freelancer or 1099 contractor. Covers self-employment tax, federal income tax by bracket, state tax, and IRS safe harbor rules.
Σ Shows workCalculate your quarterly IRS payments with QBI deduction (Section 199A), safe harbor, and all 4 due dates. Adds the 20% pass-through deduction that most freelancers forget to claim.
Σ Shows workIRS-compliant mileage log with 2024 standard rates ($0.67/mi business). Log trips with date, destination, and business purpose, see monthly deduction summaries, and export to CSV for your tax preparer.
Σ Shows workCalculate your SE tax (15.3%), the ½ SE tax deduction, federal income tax by bracket, total annual tax bill, effective rate, take-home pay, and quarterly estimated payment. Every IRS formula step shown.
Σ Shows workCalculate your IRC §162(l) health insurance deduction. See federal + state tax savings, effective monthly premium after tax benefit, net SE income limit check, and ACA Premium Tax Credit eligibility flag.
Σ Shows workCalculate SE tax on crypto received as payment and capital gains tax on crypto sales. LTCG/STCG rates, every IRS formula shown.
Σ Shows workLook up whether your digital service — SaaS, online courses, digital downloads, consulting, or design — is taxable in all 50 states + DC. Includes post-Wayfair economic nexus thresholds and estimated tax exposure.
Σ Shows workInteractive tax season checklist for freelancers and 1099 workers. Income documents (1099-NEC, 1099-K), deductible expenses, estimated tax payments, required forms (Schedule C, SE, 8829), and W-9/contractor records. Check off items, track progress %, copy as text.
Σ Shows workInteractive year-end tax checklist for self-employed workers and freelancers. Organized by deadline: Dec 31 action window (Solo 401k, §179 assets, mileage log), Jan 31 (1099-NEC, bank reconciliation), and April 15 (SEP-IRA, Schedule C, QBI deduction). Three-state items: checked / N/A / unchecked. localStorage persistence. Tax savings calculator for retirement, health insurance, and home office deductions.
Σ Shows workTrue annual cost of a W-2 employee vs 1099 contractor vs doing the work yourself. Employer FICA (7.65%), benefits, recruiting, onboarding productivity loss, overhead, and management time — all modeled. Includes break-even bill rate and the 1.3–1.5× salary rule explained.
Σ Shows workThe flagship freelance tax overview. Enter your full year of 1099 income, expense categories (home office, mileage, software, equipment, meals, other), retirement contributions, health insurance, state, and filing status to see the complete tax waterfall: net SE income, SE tax, AGI, federal income tax with bracket breakdown, state income tax, total liability, quarterly payments, safe harbor, and net take-home.
Σ Shows workMulti-platform reseller tax calculator. Enter income per platform (eBay, Etsy, Poshmark, other), COGS, fees, filing status, and state — get taxable profit, SE tax, federal + state estimate, quarterly payment, and the set-aside percentage to save per sale.
Σ Shows workeBay, Etsy, Poshmark, and Amazon handle sales tax for you in most states. See which platforms are marketplace facilitators, your economic nexus exposure by state, and whether you need to register anywhere.
Σ Shows workCalculate exactly what percentage to set aside from every 1099 payment. Covers SE tax, federal income tax by bracket, and all 50 states. Per-invoice set-aside + quarterly payment schedule with 2025 due dates.
Σ Shows workCompare Sole Proprietorship, Single-Member LLC, and S-Corp election side by side. See exactly how much SE tax you save with an S-Corp, when the break-even is, and whether to elect now.
Σ Shows workCalculate your 2024 gig platform taxes for Uber, Lyft, DoorDash, Instacart, Upwork, Fiverr, or TaskRabbit. Net profit, SE tax, quarterly estimated payments, mileage deduction, and 1099-K threshold — all in one place.
Σ Shows workType any freelance expense to instantly see the IRS deduction category, Schedule C line number, deductibility %, caveats, and IRC section. 40+ common expenses covered — software, home office, equipment, meals, travel, and more.
Σ Shows workPlan all 4 quarters of estimated self-employment tax payments at once. Enter income and expenses per quarter, get cumulative YTD tax liability, safe harbor minimums, underpayment penalty risk, and the recommended payment for each quarter. Supports all 50 states.
Σ Shows workStudent tool for ages 16-21. Enter hourly wage and hours per week to see exactly where every dollar goes. Shows gross pay → federal income tax (2024 standard withholding) → Social Security (6.2%) → Medicare (1.45%) → state income tax → net take-home. Friendly explanations for each deduction. W-2 vs 1099 contractor comparison showing why contractors pay more. ShowMath walks through every step.
Σ Shows workMonth-by-month tax deadline reference for self-employed workers. Covers Jan 2025 through Dec 2026: Q1-Q4 estimated taxes, 1099-NEC deadlines, S-Corp/Partnership returns, individual return deadlines (original + extension), SEP-IRA and Solo 401k contribution deadlines, and year-end deduction purchase cutoffs. Filter by entity type. Add any deadline to Google Calendar in one click. Countdown to next deadline.
Σ Shows workFind every tax deduction available to freelance writers, authors, and journalists. Schedule C vs Schedule E royalty determination, home office (Form 8829), equipment (Section 179), research expenses, professional memberships, and SE tax with take-home calculator.
Σ Shows workCalculate real estate agent taxes after broker split. Standard mileage vs actual vehicle expenses comparison, MLS fees, E&O insurance, desk fees, association dues, signage, photography, open house expenses, marketing, CRM software, home office deduction, and full SE tax breakdown.
Σ Shows workCalculate the K-12 educator expense deduction: $300 per eligible teacher, up to $600 married filing jointly. Eligible classroom expense checklist, estimated federal + state tax savings, and SE tax calculation for tutoring and curriculum development side income.
Σ Shows workCalculate taxes for musicians, artists, and performers. Covers performance fees, royalties, lesson income, and merch revenue. Includes SE tax, federal income tax, quarterly estimated payments, and IRC §183 hobby loss risk flag.
Σ Shows workCalculate the exact additional tax on side hustle income when you also have a W-2 job. Side income stacks on top of your salary and is taxed at your marginal rate — plus 15.3% self-employment tax. Shows SE tax, additional federal tax, state tax, effective rate, and quarterly estimate.
Σ Shows workSee exactly how the 2024 federal tax brackets work. Enter your income and filing status to see how much falls in each bracket, total tax, effective (average) rate vs marginal rate, and why a raise never makes you poorer. Stacked bar chart + bracket table.
Σ Shows workCash donations, appreciated stock, DAF bunching strategy — see your true after-tax cost of giving and whether itemizing beats the standard deduction.
Σ Shows workStop giving the IRS an interest-free loan. Enter your income, deductions, credits, and current withholding to see if you're over- or under-withholding, and get exact W-4 Step 3 and Step 4(c) adjustments to land within $500 of $0 owed at filing.
Σ Shows workCalculate tax on your full crypto portfolio. Short-term vs long-term capital gains, staking income (Rev. Rul. 2023-14), mining SE tax, and loss harvesting opportunities. Key highlight: crypto is NOT subject to the wash sale rule.
Σ Shows workHSAs are the most tax-advantaged account most people never maximize. See immediate tax savings (contributions reduce AGI + save FICA), projected tax-free growth, the Stealth IRA strategy, and your total tax benefit vs a taxable account over your career.
Σ Shows workTurn investment losses into tax savings. See IRS netting rules applied (STCL vs STCG first, then LTCL vs LTCG, then cross-netting), total tax saved, ordinary income deduction up to $3,000 (IRC §1211), carry-forward loss, and whether harvesting is worth the transaction costs.
Σ Shows workFiled Form 4868? An extension delays your filing deadline — not your payment. Calculate your April 15 balance due, 0.5%/month failure-to-pay penalty, daily IRS interest, and total cost of waiting until October 15.
Σ Shows workConvert between 1099 contractor rates and W-2 salaries. See the SE tax gap, employer payroll tax, health insurance, retirement match, and PTO value — and the exact premium a contractor must charge to break even.
Σ Shows workCalculate the full tax picture on gig / 1099 income: SE tax, federal brackets, state tax, mileage deduction, home office, and quarterly estimated payments — all in one tool.
Σ Shows workFAQ
Self-employment tax is 15.3% on 92.35% of your net 1099 earnings — 12.4% Social Security (up to the wage base) plus 2.9% Medicare, with an extra 0.9% Medicare surtax above $200K single / $250K joint. The Self-Employment Tax calculator on this page walks through each step and lets you see the deduction for half of SE tax that flows back onto your 1040.
Yes, if you expect to owe at least $1,000 after withholding and credits. The Quarterly Tax and Quarterly Safe Harbor calculators below estimate the four IRS deadlines (April 15, June 15, Sept 15, Jan 15) and the safe-harbor minimum (100% of last year's tax, or 110% if AGI > $150K) so you avoid underpayment penalties.
1099-NEC reports payments for services from clients ($600+ threshold). 1099-K reports gross payments processed by platforms like PayPal, Stripe, Etsy, and eBay. The 1099-K threshold has shifted with recent IRS rules — use the 1099-K Threshold calculator to see what triggers reporting in your situation and how to reconcile overlapping forms.
Yes. Every calculator on this page is free, requires no signup, and runs in your browser. We don't sell your inputs — they never leave your device unless you explicitly save a result to your free profile.