Freelance & Self-Employment Tax

How much do freelancers actually pay in SE tax? This calculator breaks down the 15.3% self-employment tax, including the 92.35% adjustment and the one-half deduction most people miss.

Freelancers don't have taxes withheld — that means quarterly payments. This calculator tells you exactly how much to pay each quarter (April 15, June 15, September 15, January 15) based on your income.

Got a W-2 job but also freelance on the side? Your W-2 withholdings might not cover the extra income. This calculator shows exactly how much more you'll owe in taxes from your side hustle.

What's your effective tax rate as a freelancer? This calculator computes your total federal income tax using 2026 brackets — including the standard deduction — so you know what you'll actually pay.

Freelancers leave thousands on the table by missing deductions. This calculator shows you exactly how much your business deductions reduce your tax bill — in real dollars, not just percentages.

Missed a quarterly deadline? This calculator shows if you owe penalties, how much they are, and exactly when your next payment is due. Never miss a quarterly deadline again.

Missed a quarterly tax payment? This calculator shows exactly how much the IRS underpayment penalty costs you — and whether it's worth filing an amended return to minimize the damage.

What's your real tax rate? This calculator shows your effective federal tax rate — the percentage you actually pay after deductions, SE tax adjustments, and brackets. Most freelancers are surprised by the number.

Self-employed? You can deduct 100% of your health insurance premiums. This calculator shows exactly how much you save — including the interaction with other deductions and the income limitation.

Working from home? The home office deduction is one of the most underused freelancer tax breaks. This calculator compares the simplified and regular methods to show which one saves you more.

Got a 1099 this year? This calculator shows exactly what you owe in taxes on your 1099 income — including self-employment tax, federal income tax, and the deductions that reduce your bill.

Freelancers pay both halves of FICA (15.3%) while W-2 employees pay only half (7.65%). This calculator shows the exact dollar difference — and why freelancers need to earn more to match the same take-home.

The Qualified Business Income deduction lets freelancers deduct up to 20% of business income — but the rules are complex. This calculator shows your exact QBI deduction and the tax savings.

How much does health insurance really cost as a freelancer? This calculator estimates ACA marketplace premiums based on your age, income, and plan type — and shows your self-employed tax deduction.

Working a W-2 job and freelancing on the side? This calculator shows the exact tax impact of your side income — including SE tax, additional withholding needed, and quarterly payment amounts.