FreelanceTools for people who invoice for a living.
Small calculators that answer one freelance money question each. No account, no email, nothing saved.
Quarterly Tax Calculator.
Work out what to send the IRS on your next estimated tax deadline, from your 1099 income, expenses, filing status, and state rate. It opens on a worked example, updates as you type, and shows every line of the math.
Open calculatorWhat it accounts for
- Self employment tax, with the Social Security and Medicare portions split out
- The 0.9% additional Medicare tax over the filing status threshold
- The deductible half of self employment tax
- Qualified business income deduction, including the cap and the phase-out most calculators skip
- The safe harbor floor, so you can see the smallest payment that avoids a penalty
- W-2 income counted against the Social Security wage base
By state
More tools.
Runway Calculator
If the client work stopped today, how many months could you cover your bills? Shows the month by month trajectory and the gap to a six month cushion.
Open calculator1099 vs W-2 Calculator
What would a contract have to pay to beat a salary offer, once you carry both halves of FICA and buy your own benefits? Solves for the breakeven rate.
Open calculatorTax Set-Aside Calculator
A client just paid you. How much of it should go straight into savings for tax? Uses your real marginal rate, not a rule of thumb.
Open calculatorEstimated Tax Penalty Calculator
Missed or short a quarterly payment? Works out the IRS underpayment penalty installment by installment, at each quarter's published rate.
Open calculatorPay Q4 or File Early
File your return and pay by February 1 and the January 15 payment is not required. Three questions tell you which route suits you.
Open toolFreelance Rate Calculator
The lowest hourly rate that hits your take-home after tax, expenses, and unpaid weeks off, and what a working month adds to your runway.
Open calculatorLate Invoice Fee Calculator
The late fee on an overdue invoice from a monthly rate or a flat fee, plus polite wording to paste into the email.
Open calculatorNo account
Nothing is stored and nothing is sent anywhere. No signup, no email, no saved results. Close the tab and it is gone.
The math is visible
Every line of the calculation sits on the page next to the answer, not hidden behind a toggle. You can check the working.
Real 2026 figures
Brackets, standard deduction, and the Social Security wage base come from the same tax data the FreelanceCFO app runs on, kept in lockstep by tests.
Doing this every quarter?
FreelanceCFO tracks it from your real income and warns you before each deadline.