Free tools
Calculators for one-person businesses
Real numbers in, one clear answer out. No signup, nothing stored.
Tax set-aside calculator
The percentage of every payment to move into a separate tax account — before you can spend it.
Open the tool → The 15.3% bill, itemized.Self-employment tax calculator
Social Security and Medicare tax on your freelance profit, with the wage cap and the deductible half shown.
Open the tool → Four payments, penalty-proofed.Quarterly estimated tax calculator
Your safe-harbor installment amount and the exact IRS due dates, from one number on last year's return.
Open the tool → The rate that actually pays your salary.Freelance hourly rate calculator
Works backward from the income you want, through taxes, overhead, and the hours you can really bill.
Open the tool → What that contract rate really equals.1099 vs W-2 calculator
Converts a contract hourly rate into its honest salaried equivalent — after the employer taxes and benefits you now pay yourself.
Open the tool → Does the election beat its costs?S-corp savings calculator
Payroll-tax savings at your profit and salary, minus the real annual costs of running an S-corp, with a verdict.
Open the tool → Your real contribution limits, side by side.Solo 401(k) vs SEP IRA calculator
How much you can actually shelter in each account at your income — including the employee-deferral edge most freelancers miss.
Open the tool → Standard rate vs. actual costs, decided.Mileage deduction calculator
The dollar value of your business miles, and whether the standard rate or actual-expense method pays more.
Open the tool → Simplified vs. actual, at your square footage.Home office deduction calculator
Both methods computed from your home's numbers, with the winner flagged.
Open the tool → What overdue invoices cost — and earn.Late fee & payment terms calculator
Late-fee amounts at standard rates, plus the truth about early-payment discounts like 2/10 net 30.
Open the tool → How many months you can survive.Emergency runway calculator
Your runway at current reserves, your gap to a freelancer-grade target, and the monthly saving to close it.
Open the tool → Filing fee + annual costs, per state.LLC cost by state
What forming and keeping an LLC costs in your state — including the annual fees the formation ads don't mention.
Open the tool → What each processor takes from an invoice.Payment processor fee calculator
Stripe, PayPal, Square, and ACH fees on your actual invoice amount — and what switching saves per year.
Open the tool → Turn lumpy months into a steady salary.Irregular income smoother
Enter your recent months of income; get the fixed monthly salary to pay yourself and the buffer that makes it safe.
Open the tool →The fine print
How these tools work
Every calculator runs entirely in your browser — nothing you enter is sent, filed, or stored. Results are planning estimates built on documented, simplified assumptions; each tool explains its method and its limits on its own page. Annual constants (tax brackets, contribution limits, IRS rates) are reviewed each January, and rate fields are editable wherever figures change often.
These tools are educational, not individualized financial, legal, or tax advice. When a decision is big enough to matter — an S-corp election, a retirement plan, a multi-state question — the tool tells you it’s time for a professional, and it means it.