Calculators

Each tool shows the full worksheet behind its answer, so you can check the reasoning rather than trust a number.

• Quarterly tax estimator

  Work out what to send the IRS every quarter, including self-employment tax, the QBI deduction and the safe-harbour minimum that protects you from penalties.

• S-corp breakeven

  Find the profit level where an S-corp election saves more in self-employment tax than it costs in payroll, filing fees and extra accounting.

• Freelance rate calculator

  Turn the take-home you want into an hourly rate that actually covers tax, unpaid time, health insurance, time off and the hours you cannot bill.

• Solo 401(k) calculator

  See exactly how much you can put into a solo 401(k) this year as both employee and employer, and how much more it shelters than a SEP IRA.

• Home office deduction

  Compare the simplified $5-per-square-foot method against deducting a share of your real housing costs, and see which gives you the bigger deduction.

• Mileage deduction

  Work out your 2026 business mileage deduction using both IRS rates — 72.5 cents through June, 76 cents from July — and compare it with actual expenses.

• Self-employment tax

  Work out the Social Security and Medicare you owe on freelance profit, including the wage base cap and the half that comes back as a deduction.

• Estimated tax penalty

  See whether you owe an underpayment penalty, quarter by quarter, at the 7% rate the IRS charges for 2026 — and what it would take to stay in the clear.

• Freelance take-home pay

  See what is actually left from your business profit after federal income tax, self-employment tax and an estimate of state tax.

• 1099 vs W-2 offer

  Compare a contract rate against a salary offer properly — both halves of payroll tax, employer health cover, 401(k) match and unpaid time all counted.

• Business expense value

  Work out what a deductible purchase actually costs you after federal, state and self-employment tax relief — and why a deduction is not a rebate.

• Invoice late fee

  Work out what an overdue invoice is now worth with a monthly late fee, simple or compounded, and see the annualised rate you are actually charging.