Where is my data stored?

In your browser's localStorage, on your device. Nothing is sent to us or anyone else, there is no account, and we cannot see your numbers. The flip side: clearing browser data or switching devices starts the ledger empty.

Why does the set-aside rate change as I log payments?

Federal tax is progressive, so the right percent depends on where the full year is heading, not on any single invoice. Each new payment updates the projection, and the recommended rate follows it. Expect it to settle down after a few months of data.

What do I do when the estimated payment date arrives?

Pay the IRS from the tax account you have been funding, via IRS Direct Pay or EFTPS, then keep logging. The quarterly tax calculator computes the payment amount itself; this tracker's job is making sure the money is there when the date comes.

Personal finance

Freelance income tracker

Log each payment as it lands and the ledger keeps the running answers: what you have collected this year, what should already be sitting in the tax account, your monthly pace, and the next estimated payment date. Everything stays in this browser; nothing is uploaded anywhere.

Log a payment

Date paid

Client (optional)

Amount

Assumptions

Business expenses

Rough percent of gross that goes to expenses. Used to estimate your Schedule C net.

State

State income tax rate

Zero for TX, FL, WA and other no-income-tax states; 5-10% covers most of the rest.

Annual income goal

Optional. Leave at zero to hide goal tracking.

Payments this year

No payments logged yet. Add the first one above.

Restore backup

Year to date

Collected$0this year

Estimated net after expenses: $0
Tax set-aside rate: 0%
Should be in the tax account: $0
Monthly average: $0
Next estimated payment: Jan 15, 2027

Entries are saved only in this browser (localStorage). No account, no upload; clearing your browser data erases them.

Estimate

workingfigures.com/calculators/freelance-income-tracker

The formula

Net YTD = payments collected minus your expense percent. The set-aside rate comes from the same 2025 federal engine as the tax set-aside calculator, applied to your net pace extrapolated to a full year, plus your flat state rate. Tax account balance = net YTD × that rate.

What this ignores

Single filer, standard deduction, a flat state rate, and a straight-line projection of the rest of the year. A big January or a slow summer skews the pace; the rate corrects itself as you keep logging payments.

Uses 2025 IRS constants (standard deduction $15,000; Social Security wage base $176,100).

FAQ

Where is my data stored?: In your browser's localStorage, on your device. Nothing is sent to us or anyone else, there is no account, and we cannot see your numbers. The flip side: clearing browser data or switching devices starts the ledger empty.
Why does the set-aside rate change as I log payments?: Federal tax is progressive, so the right percent depends on where the full year is heading, not on any single invoice. Each new payment updates the projection, and the recommended rate follows it. Expect it to settle down after a few months of data.
What do I do when the estimated payment date arrives?: Pay the IRS from the tax account you have been funding, via IRS Direct Pay or EFTPS, then keep logging. The quarterly tax calculator computes the payment amount itself; this tracker's job is making sure the money is there when the date comes.