Self-employed tax calculators
Four calculators built on 2026 IRS rules: figure out your quarterly payments, compare a contract offer to a salaried role, set a rate that covers taxes and costs, or see whether electing S-corp status would save you money.
QBI deduction calculator
Section 199A qualified business income deduction — handles SSTB rules, phase-in range, and W-2 wage limits.
Quarterly estimated tax calculator
How much to pay the IRS each quarter using safe-harbor rules. Flags underpayment risk.
1099 vs W2 take-home comparator
Compare real take-home pay between a W2 salary and a 1099 contract rate after SE tax.
Freelance rate calculator
The hourly or day rate you need to charge to hit a target income after taxes and costs.
S-corp savings calculator
Whether electing S-corp status saves money versus a sole proprietorship or single-member LLC.
Real estate commission calculator
Split a sale commission by side, then apply broker split, franchise fee, and transaction fees to see the agent take-home.
Standard mileage deduction calculator
Standard mileage deduction and estimated tax savings for self-employed workers and small-business owners.
Loan signing agent income calculator
Net take-home and effective hourly rate for loan signing agents — SE tax, federal and state income tax, mileage deduction.
Estimated tax penalty calculator
IRS underpayment penalty estimate using the Form 2210 per-quarter method, with safe-harbor check.
Home office deduction calculator
Compare the IRS simplified method ($5/sq ft, max $1,500) vs the regular method (actual expenses) to find the larger deduction.
Solo 401(k) contribution calculator
Maximum contribution to a one-participant 401(k): employee deferral, employer profit-sharing, and SECURE 2.0 catch-up for ages 50+.
Business credit card payoff calculator
Months to zero, total interest cost, and minimum viable payment for a business credit card at a fixed monthly payment.
Which calculator should I use?
Not sure how much to pay the IRS each quarter? Use the quarterly tax calculator. It applies the safe-harbor rules (90% of this year's liability, or 100%/110% of last year's) so you avoid underpayment penalties.
Deciding between a W2 job and a 1099 contract? Use the 1099 vs W2 comparator. It accounts for self-employment tax, benefits you'd need to self-fund, and retirement contributions — the things that make a higher 1099 rate feel smaller once the math is done.
Setting your freelance rate? Use the freelance rate calculator to convert a target income into the hourly or day rate you need to charge, after expenses and a tax buffer.
Wondering if an S-corp election is worth it? Use the S-corp savings calculator. It compares sole-proprietor SE tax against the payroll tax on a reasonable salary, factoring in the ongoing cost of running the S-corp.
All four calculators use 2026 IRS brackets and the 2026 SS wage base ($184,500). State income tax is modeled for a limited set of states today.