Self-Employment Tax 2026: Rates, Limits & How to Estimate Yours
The 2026 self-employment tax explained: 15.3% SE tax, the $184,500 Social Security wage base, 2026 income brackets and a worked example.
8 min readRead →
Freelancer & Contractor Business Calculators
Free, professional and private financial tools for freelancers, independent contractors and small business owners in the US, UK and Canada. Every calculator runs 100% in your browser.
100% FreeNo RegistrationAll Calculations Local Browser
Free Calculators, Organized by Job
17 tools across four areas — taxes, pricing, cash flow and retirement.
Taxes & Deductions
Estimate what you owe and what you keep — self-employment tax, quarterly payments, W-2 vs 1099 and sales tax.Pricing & Quoting
Set rates that cover your costs and profit — hourly, salary, project budgets and break-even.Cash Flow & Invoicing
Track overhead, invoice profit, payment fees and due dates so money lands on time.Retirement & Savings
Plan your nest egg and fund it tax-efficiently with SEP IRA and Solo 401(k) limits.Latest Guides
Practical, jargon-free guides — each linked to a calculator so you can apply what you read.
2026 Tax Brackets: Federal Income Tax Rates (Single & Married)
The official 2026 federal income tax brackets and standard deduction with tables for single and married filing jointly—and how marginal rates work.
6 min readRead →
SEP IRA vs Solo 401(k) 2026: Limits & Deadlines
Compare SEP IRA and Solo 401(k) for freelancers in 2026: contribution limits ($72,000 cap, $24,500 deferrals, catch-up) and a practical decision guide.
7 min readRead →
Year-End Tax Checklist for Freelancers (2026)
The year-end tax moves to make before December 31, 2026: Solo 401(k) deferrals, equipment purchases, estimated tax and bookkeeping.
7 min readRead →
How to Pay Estimated Taxes Online: Direct Pay, EFTPS & 1040-ES
A step-by-step guide to paying federal estimated tax for freelancers: IRS Direct Pay, EFTPS, card payments, due dates and common mistakes.
7 min readRead →
1099 vs W-2: Taxes, Costs and Which Is Better for You
Compare 1099 contracting with W-2 employment: who pays what tax, the self-employment tax gap, benefits and how to make the call.
7 min readRead →
Financial Tools Built for Independent Workers
Freelancing and running a small business means being your own accountant, project manager and pricing strategist all at once. Our free calculator suite is designed to help you make clear, confident financial decisions—whether you are pricing your first project or scaling an established independent practice.
Every tool follows the same simple promise: all calculations are processed locally in your browser. Nothing you enter is uploaded, stored or shared with any server. That means no sign-up, no accounts, and complete privacy for your financial data.
From setting a profitable hourly rate and estimating contractor taxes to working out your break-even point and building accurate project quotes, you will find the tools you need to run a sustainable, profitable freelance business across the US, UK and Canada.
All calculations are processed locally in your browser. No data is uploaded, stored, or shared with any server. 100% private and secure.