Freelance taxes in the United States

Taxes and forms

• 001 What should I charge? quiz Your income floor crossed with sourced market benchmarks.
• 002 Quarterly tax estimator Four payments, no April surprise.
• 003 1099 take-home calculator From contract rate to what lands in your account.
• 004 S-corp vs sole-prop comparison When the paperwork starts paying for itself.
• 005 Freelance income tracker Log payments; see YTD income, tax set-aside, and the next deadline.
• 006 Freelance expense tracker Schedule C categories, deductible totals, CSV export.
• 007 1099 tax prep checklist Six questions, a personalized filing checklist.
• 008 Freelance finance score One number out of 100, and the three gaps in your year priced in dollars.
• 009 Self-employment tax calculator The 15.3% nobody warned you about, itemized.
• 010 W-2 vs 1099 rate calculator What a salary is really worth as a contract rate.
• 011 Solo 401(k) / SEP-IRA calculator How much you can shelter this year, both plans compared.
• 012 Social Security benefit estimator The 2026 formula, with the self-employment haircut.
• 013 Tax set-aside calculator The percent of every invoice to move, from real math.
• 014 Payment processor fees Stripe vs PayPal vs Square on your invoices.
• 015 Platform fee calculator What Upwork and Fiverr keep from your earnings.
• 016 Home office deduction Simplified vs actual method, side by side.
• 017 Mileage deduction calculator Business miles into 2025 deduction dollars.
• 018 Safe harbor calculator The quarterly payment that makes penalties impossible.
• 019 QBI deduction calculator The 20% deduction most freelancers under-claim.
• 020 Year-end tax checklist The December moves that stop working on January 1, sorted by your situation.
• 021 Estimated tax penalty calculator What the IRS charges for missed or short quarterly payments, at the real quarterly rates.
• 022 Hourly to salary calculator What your contract hourly rate equals as a W-2 salary, benefits included.
• 023 Wash sale calculator Which of your harvested losses the 61-day window disallows.
• 024 Conference trip cost calculator Ticket, travel and hotel plus the days you do not bill, minus what the deduction gives back.
• 025 US freelance invoice template A US invoice you fill in and print, with what to put on it and why there is no official format.

Dates and deadlines

• 001 US freelance tax calendar The four estimated payment dates, the annual filing deadline and the 1099 dates, with calendar export.

US guides

• 001 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.
• 002 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.
• 003 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.
• 004 1099-B, 1099-DA and Form 8949: reporting investment sales Broker sale to tax return: what the 1099-B and new 1099-DA report, how lots land on Form 8949, and where Schedule D totals it.
• 005 LLC vs sole proprietorship: what changes for freelancers The tax bill does not move, the liability wall might, and the state fee is real. What an LLC does and does not do for a one-person business.
• 006 The wash sale rule: the 61-day window that eats losses Sell at a loss, rebuy within 30 days either side, and the loss defers into the new basis. How the window works and why direct crypto stays exempt in 2026.
• 007 1099 vs W-2: the real take-home math Why dividing a salary by 2,080 hours is a trap, what employer benefits are worth in dollars, and the conversion in both directions.
• 008 Does an S-corp actually save you money? The payroll-tax math behind the S-corp pitch, the profit level where it starts paying, and the costs the YouTube gurus skip.
• 009 Freelance taxes: what to set aside from every invoice The real math behind the 30% rule, how quarterly payments work, and the safe-harbor trick that makes penalties impossible.
• 010 Solo 401(k) vs SEP-IRA: which shelters more The 2025 and 2026 contribution math for both plans, why the solo 401(k) usually wins below six figures, and the December deadline that catches everyone.

Global tools (work in dollars)

Rates, invoicing, documents and savings math are universal; they live with the rest of the calculators.

• 001 All calculators The full index: rates, invoicing, finance, business and creator tools.