Free tools
Freelance calculators
Five calculators that show their working: the formula, the tax year, the assumptions and the official sources. Type your own numbers; nothing leaves your browser. They give estimates, not advice.
- US · 2026
Self-Employment Tax Estimator
Estimate US self-employment tax from your net profit, with the Social Security cap, W-2 wages and Additional Medicare Tax, and every step shown.
Example: $80,000 profit gives $11,303.64, self-employment tax.
- Any currency
Freelance Rate Calculator
Find the minimum hourly and day rate that covers your take-home pay, tax, health cover, retirement and business costs, for the hours you can actually bill. Any currency.
Example: $70,000 take-home, 60% billable gives $108.33/h, minimum hourly rate.
- US · 2026
Quarterly Tax Planner
Work out quarterly estimated tax payments that avoid the IRS underpayment penalty, using the 90%, 100% and 110% safe harbors, with 2026 due dates and your balance at filing.
Example: $20,000 this year, $12,000 last gives $3,000, each quarter.
- US · 2026
Solo 401(k) vs SEP IRA Calculator
Compare the most a self-employed person can contribute to a Solo 401(k) and a SEP IRA this year, from net profit, with catch-up amounts and the IRS formula shown.
Example: $80,000 profit gives $39,370, Solo 401(k) vs $14,870 SEP.
- Any currency
International Transfer Cost Calculator
Compare money-transfer quotes by their true cost: the fee plus the hidden exchange-rate margin against the mid-market rate. Any currency.
Example: $5,000 to EUR, 3 quotes gives $25.87, true cost of the cheapest (Provider Y).
How we keep them accurate
- Each calculator reproduces the worked example in its guide, and automatic tests check that before every release.
- Tax figures (US) are checked every week against the IRS pages they come from, and each tool warns you when its figures are due for their annual review.
- The rate and transfer calculators use only the numbers you enter, so they never go out of date.