Your Freelancer Financial Profile
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Profile
One profile, 10 key defaults
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Starter values loaded
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Smart Insights
A profile-aware financial readout
These insights update directly from the profile above. They are intentionally plain-English so you can glance at the big picture before opening the deeper calculators.
Estimated SE tax: $11,162
At $85,000 of 1099 income with $6,000 of annual business expenses, self-employment tax alone lands around $11,162 on 92.35% of net profit.
Set aside about 24% of each payment
That reserve covers your projected federal, state, and SE taxes using Single status in Arizona.
Quarterly payments around $4,641
Your current-year estimate points to quarterly payments due April 15, 2025, June 16, 2025, September 15, 2025, January 15, 2026. Open the quarterly tax estimator when you want a more exact safe-harbor comparison.
Effective federal income tax rate around 9.4%
After the standard deduction and estimated credits, your federal income tax piece is about $7,993 before adding state tax on top.
$6,000 of annual business expenses lowers taxable freelance income
That reduces the profit amount exposed to both SE tax and federal income tax on the self-employed side of your profile.
Your Calculators
The six tools most relevant to this profile
These recommendations shift with your employment type and income source. Right now this profile reads as 1099 contractor with freelance services as the primary driver.
Freelance Rate Calculator
What should you actually charge per hour? Account for taxes, health insurance, retirement, and the hours you can't bill — get the real number.
Solo Business Health Score
Comprehensive health check for solo freelancers across 6 dimensions: Cash Flow (emergency fund + payment terms), Rate Health (vs experience benchmark), Client Diversification (concentration risk), Tax Readiness (quarterly estimates), Retirement (contribution %), and Contract Protection. Get an overall 0-100 score, badge (Critical / Developing / Healthy / Thriving), dimension breakdown, and top 3 improvement actions.
Self-Employment Tax Calculator
Calculate your exact self-employment tax using the IRS formula. Shows SE tax (SS + Medicare), the half-SE deduction, 2024 federal income tax brackets, effective rate, take-home pay, and quarterly estimated payment.
1099 Quarterly Tax
Calculate your estimated quarterly tax payments as a freelancer or 1099 contractor. Covers self-employment tax, federal income tax by bracket, state tax, and IRS safe harbor rules.
True Hourly Rate Calculator
Your salary ÷ 40 hours isn't your real rate. Factor in taxes, commute, decompression, and work expenses to find what an hour of your life actually earns.
W-2 vs 1099 Calculator
Same gross pay, wildly different take-home. See exactly how W-2 and 1099 offers compare after self-employment tax, FICA, and employer benefits — then get the break-even number that tells you exactly what to negotiate.
What this unlocks next
The profile now has one clean localStorage home
Today it saves your defaults and powers smart guidance on this page. The next step is having calculators read this profile first so income, filing status, state, and expense assumptions land pre-filled everywhere.
Annual expenses
$6,000 / year
Retirement target
$8,500 / year
State
Arizona
Health coverage
Self-managed