Free calculators for people who work for themselves
Three quick checks on the numbers a paycheck usually hides from you. Nothing you enter leaves this page.
How much should I set aside for taxes?
Estimate your 2026 federal and state tax on self-employment income, and the share of each payment to put away.
| Self-employment tax (Social Security and Medicare) | — |
| Federal income tax | — |
| State income tax | — |
| Estimated total for the year | — |
| Each quarterly estimated payment | — |
| Set aside from a typical payment | — |
Uses 2026 federal brackets, standard deduction, the 20% qualified business income deduction and the $184,500 Social Security wage base. Ignores credits, other household income and QBI limits at higher incomes. A rough guide, not tax advice.
What do I really earn per hour?
The rate an app or client shows you leaves out fees, expenses, tax and the hours nobody pays for.
Self-employment tax is estimated at 15.3% of 92.35% of profit. Income tax isn't included because it depends on your whole year.
What do my software subscriptions cost me?
Tick the tools you pay for and adjust the prices. Many creators juggle six to eight of them.
| Tools you pay for | — |
| Monthly total | — |
| Share of your income | — |
Prices are typical list prices for an entry or mid-tier plan in each category. Edit them to match yours.