Free tax & money calculators for freelancers and small business owners
Self-employment tax, 1099 income, quarterly payments, rent vs. buy, and profit margins — 100 free tools built for the self-employed. No signup. No guessing. Just the number you need in 30 seconds.
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2026 IRS Rates
Built on the latest federal tax brackets and rules
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Estimated tax deadline — Q3
Next quarterly tax payment due September 15, 2026
1099 workers and freelancers owe estimated taxes four times a year. Miss a payment and the IRS adds underpayment penalties on top of what you owe. Calculate your amount before the deadline.
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Most Popular Calculators
The tools freelancers use most. Pick one and get your answer in seconds.
Self-Employment Tax Calculator
See exactly how much the 15.3% SE tax costs you — and the deductions most freelancers miss.
Quarterly Tax Calculator
Never miss a quarterly payment or get hit with IRS penalties again.
Freelancer Rate Calculator
Find the minimum hourly rate you should charge to hit your income goals.
Rent vs. Buy Calculator
Stop guessing and see which option wins for your specific numbers.
Etsy Profit Calculator
The real profit after Etsy fees, shipping, materials, and taxes.
Break-Even Calculator
Know exactly how many sales you need before your business turns a profit.
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Free Money Guides
Plain-English explainers that pair with our calculators — so you know not just the number, but the why.
14 min read · Updated Aug 2026
Self Employment Tax in 2026: How Much Freelancers Really Pay and How to Pay Less
Self employment tax in 2026 is 15.3% of your net profit, split between Social Security and Medicare. But you don't owe it on gross income, and smart deductions can shrink it dramatically. Here is exactly how the math works, what the IRS lets you deduct, and how to legally pay less every quarter.
Read guide13 min read · Updated Aug 2026
Quarterly Estimated Taxes 2026: Deadlines, Safe Harbor, and How to Never Miss a Payment
Freelancers must pay estimated taxes four times a year. Here are the exact 2026 quarterly deadlines, how to calculate each payment, the safe harbor rule that protects you from underpayment penalties, and a simple system for never missing a due date again.
Read guide13 min read · Updated Aug 2026
How to Set Your Freelance Hourly Rate: The Math That Actually Works in 2026
The salary divided by 2,080 method underpays you. The real formula adds your target income, business expenses, and self employment tax, then divides by realistic billable hours. This guide shows the full math, when to raise rates, and why project pricing usually beats hourly.
Read guide13 min read · Updated Aug 2026
Rent vs Buy in 2026: The Honest Math That Decides It
Renting is not throwing money away. Whether buying wins depends on your price to rent ratio, how long you will stay, and what your down payment could earn invested. This guide shows the true cost of owning, the 5% rule, and how to find your break even date.
Read guide
Why 50,000+ Freelancers Use EveryCentCalc
Generic tax calculators don't understand 1099 income. Ours do.
100 Calculators Across 7 Categories
Self employment tax, quarterly estimates, S-Corp savings, rental property ROI, side hustle profit, business finance, and investment planning — all in one place.
Not Just a Number — a Plan
Every calculator gives you a breakdown: what you owe, why you owe it, and what to do next. Side-by-side comparisons, deduction impact, and quarterly payment schedules included.
Found via Google & AI
Every page includes structured data, FAQs, and plain English explanations so you can find us through Google, ChatGPT, Perplexity, or any AI assistant.
Free Online Financial Calculators for Freelancers & the Self-Employed
Whether you're a freelancer, 1099 contractor, gig worker, or small business owner, EveryCentCalc gives you the exact numbers you need — free. Start with the self-employment tax calculator to see what the 15.3% SE tax costs you, run the 1099 income tax calculator for your full federal bill, and plan your payments with the quarterly estimated tax calculator before each IRS deadline.
Built Around Tax Season, Not Generic Math
Tax searches spike every February through April, and quarterly deadlines hit in April, June, September, and January. All our tax tools are updated with current 2026 IRS rates, self-employment caps, standard deductions, and tax brackets — so the numbers match what you'll actually owe, not last year's figures.
From Self-Employment Tax to Business Profit
Beyond taxes, you'll find the numbers freelancers and small business owners search for every week: a rent vs buy calculator for housing decisions, Etsy profit calculator for marketplace sellers, a break even calculator to find how many sales you need, and a compound interest calculator to grow your savings. Every tool is free, private, and works entirely in your browser.
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