Free calculators for freelance rates, taxes and take-home pay

02Original data

Fees, salaries and costs compiled from official sources, each set dated with our last check.

• 2026-09-01 The Freelance Cost Index Monthly index of what a US freelance business costs to run: tax drag, IRS interest, platform take, card fees, cross-border cost and shelter room.
• 2026-08 Freelance rates benchmark What freelance writers, editors, designers, developers, VAs, grant writers, podcast editors, and translators charge: verified figures from published surveys, every source linked.
• 2026-09-26 Payment fees dataset A computed, reproducible dataset of what Stripe, PayPal, Square, Upwork, Fiverr, and Freelancer.com cost freelancers. CSV included.
• 2026-08-21 What the employed version of your work earns Median annual and hourly wages for eleven freelance-relevant occupations, straight from the BLS May 2025 wage survey: developers, designers, writers, editors, consultants, translators and more, with the all-occupations reference.
• 2026-08-21 What the employed version of your work earns in the UK Median gross annual and hourly pay for nine freelance-relevant occupations, parsed straight from the ONS Annual Survey of Hours and Earnings 2025 (full-time employees), with the all-employees reference.
• 2026-08-21 What Spain pays, by occupation group and region Gross annual salaries from the INE annual wage-structure survey, 2024 edition, pulled first-hand from the INE API: sixteen occupation groups by mean pay and every region by median, with the national references.
• 2026-08-22 Broker fees on one honest scenario Trading 212, Interactive Brokers, DEGIRO, XTB and eToro on one comparable trade: 1,000 euros of a US stock, commission plus published FX fee, each row linking its official schedule with the check date stated.
• 2026-08-23 LLC cost by state Filing fee, report fee and cadence, annual state tax and the recurring bill for all 50 states and DC. Sourced from each state, dated.
• 2026-08-21 Crypto exchange fees: the published numbers Base-tier spot maker and taker fees at Binance, MEXC, Kraken Pro and Coinbase Advanced, taken from each exchange's published schedule with the check date stated, plus what a 1,000 and a 10,000 trade actually costs at each.

See all datasets

03Precomputed answers

Common amounts already worked out, using the same engines as the calculators.

• Salary to freelance rate, by salary e.g. $102,500
• 1099 take-home pay, by income e.g. $97,500
• Quarterly estimated taxes, by income e.g. $97,500
• Self-employment tax, by income e.g. $97,500
• Hourly rate to annual income, by rate e.g. $47/h
• Day rates, by hourly rate e.g. $47/h
• Mileage deductions, by miles driven e.g. 10,500 mi
• Solo 401(k) maximums, by income e.g. $97,500
• Home office deductions, by square feet e.g. 180

04Most used

• Hourly rate calculator From target income to a defensible quote.
• Invoice generator Professional invoices in the browser, print to PDF.
• Quarterly tax estimator Four payments, no April surprise.
• 1099 take-home calculator From contract rate to what lands in your account.
• W-2 vs 1099 rate calculator What a salary is really worth as a contract rate.
• Billable hours calculator How many billable hours your year really holds.

05Latest guides

• Sep 26, 2026 Plan a freelance slow season with runway math Model a $3,000 monthly cash burn, see how long $12,000 lasts, and set a trigger for cutting costs before a dry spell empties the account.
• Sep 26, 2026 Freelance taxes in multiple states: start with source A client in another state does not settle the filing question. California and New York source freelance service income differently.
• Sep 26, 2026 Invoice mistakes that delay freelance payment Five checks before sending an invoice: scope, totals, due date, approval contact, and payment details. Includes a $2,000 worked example.
• Sep 26, 2026 Net 30 for freelancers: the cash-flow cost A $5,000 invoice on net 30 costs $73.97 at an 18% annual funding rate. See when a deposit or shorter term matters more than a discount.
• Sep 26, 2026 Price a productized service without losing the margin A repeatable $2,000 service still needs a scope limit. Model delivery hours, revisions, and overruns before putting a fixed price on the page.

See all guides

06Jurisdictions on file

Tax rules stop at the border, so each country gets its own tools, constants and calendar.

• 25 dedicated tools United States
• 07 dedicated tools United Kingdom
• 10 dedicated tools Spain

All countries Freelance tax calendar

07Frequently asked questions

What should I charge as a freelancer?

Work backwards from the income you want: add overhead and a tax set-aside, then divide by the hours you can really bill. The freelance rate calculator does this in seconds, and the rate benchmarks dataset shows what others charge.

How much should I set aside for taxes?

For US freelancers a common starting point is 25-30% of net profit, covering income tax plus self-employment tax. The quarterly tax calculator turns that rule of thumb into a figure based on your actual numbers.

Are these calculators really free?

Yes, with no account and no trial. The methodology page explains how each formula is built, sourced and checked.