//// For 1099 Workers
Freelancer Hub
Where to Start
Tools organized by the questions every freelancer actually has — not by category. Start at the top and work your way down.
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Start with your rate
Before anything else, know what to charge and whether the market agrees.
True Hourly Rate Calculator
See what you actually earn per hour after taxes, commute, and work expenses — the number that actually matters.
Freelance Rate Calculator
Build your Minimum Viable Rate from your income target, expenses, and billable hours. Know your floor before you quote.
Rate Sanity Check
See where your rate lands vs. market benchmarks for your role, location, and experience level.
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Understand your taxes
No employer is withholding for you. Know what you owe and when.
SE Tax Calculator
See your exact SE tax, federal income tax by bracket, QBI deduction, take-home pay, and quarterly payment in one place.
1099 Quarterly Tax Estimator
Calculate exactly what to pay each quarter so you never underpay and never park more cash than you need to.
Safe Harbor Calculator
Use last year's tax liability to calculate the minimum quarterly payment that eliminates your underpayment penalty.
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Maximize your deductions
Deductions are the closest thing to free money a freelancer has. Use them all.
Home Office Deduction
Compare IRS simplified vs. actual-expense method. See which one saves you more before you file.
Mileage Deduction Calculator
Enter your business miles and see your deduction at 2024 IRS rates. Compare standard vs. actual vehicle expenses.
Business Meal Deduction
Calculate your 50% deductible meals and client entertainment — with IRS documentation requirements built in.
SE Health Insurance Deduction
Self-employed health premiums are above-the-line deductions. See exactly how much this reduces your AGI.
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Plan your future
You have no 401(k) match or pension. The earlier you start, the better the math.
Self-Employed Retirement Calculator
Compare SEP-IRA, Solo 401(k), and SIMPLE IRA contribution limits and tax savings for your income.
FI Number Calculator
Know exactly how much you need invested to never need to work again. Essential · Lifestyle · Dream tiers.
Savings Rate Calculator
Your savings rate is the single most powerful driver of financial independence. See your years-to-FI.
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If you flip or resell
Resellers have unique tax and profitability tracking needs. These tools are built for you.
Reseller P&L Calculator
Track COGS, fees, shipping, and net profit per sale. Know which flips are actually worth it.
Platform Fee Analyzer
Compare real take-home across eBay, Etsy, Amazon, Mercari, and Facebook Marketplace after all fees.
Reseller Tax Estimator
Estimate SE tax + income tax on your reselling profit. See how much to set aside per sale.
Inventory Cost Tracker
Track your cost basis, sold/unsold inventory, and realized gains across all sourcing events.