Understand your money. Keep more of it.
Free, no-signup calculators and plain-English guides that help freelancers and contractors handle taxes, set the right rate, and plan for the future — without the jargon.
Built for the way freelancers actually earn
No newsletters to join, no upsells — just tools and answers that respect your time.
No sign-up, no fluff
Every tool runs instantly in your browser. We never store your numbers.
Made for irregular income
Built around how freelance money really works — lumpy, untaxed, and unpredictable.
Plain-English guides
Taxes and retirement explained without the accountant-speak or jargon.
Calculators
The numbers every freelancer needs, in seconds.
Freelance Rate Calculator
Find the hourly rate that actually covers taxes, time off, and benefits.
Open calculatorSelf-Employment Tax Calculator
Estimate the 15.3% SE tax on your net freelance earnings.
Open calculatorQuarterly Estimated Tax Calculator
See roughly how much to set aside for each quarterly payment.
Open calculator1099 vs W-2 Take-Home Calculator
Compare a contract rate against a salary on equal footing.
Open calculatorSolo 401(k) Contribution Calculator
Estimate how much you could shelter for retirement as an owner-only business.
Open calculatorHourly to Salary Converter
See what your hourly rate adds up to across a year — and what a salary means per hour.
Open calculatorEffective Hourly Rate Calculator
Find out what a flat-fee project really pays once you count every hour.
Open calculatorProject Quote Calculator
Build a flat-fee quote from your hours, rate, a safety buffer, and costs.
Open calculatorProfit Margin Calculator
Turn revenue and costs into profit, margin, and markup in one view.
Open calculatorSavings Goal Calculator
See how long a monthly amount takes to reach a savings target.
Open calculatorEmergency Fund Calculator
Size the buffer that turns a late invoice into a non-event.
Open calculatorFreelance Take-Home Pay Calculator
Estimate what is left after expenses, self-employment tax, and income tax.
Open calculatorLatest guides
Practical answers to the questions freelancers actually ask.
The 2026 Numbers Every Freelancer Should Know
A plain-English cheatsheet of the figures that actually changed for 2026 — the Social Security wage base, retirement and HSA limits, the mileage rate, and the four estimated-tax deadlines.
Read guideYour Mid-Year Freelance Money Check-In
Catch a shortfall in July and you still have six months to fix it. A quick five-point check on your tax set-asides, income pace, quarterly payments, retirement, and cash flow before the year gets away from you.
Read guideThe 2026 Freelance Tax Calendar: Every Deadline That Matters
The 2026 dates every self-employed person needs: four estimated-payment deadlines, the April filing date, the October extension, and when your 1099s should land — plus the weekend rule that quietly shifts them.
Read guideFreelancing on Top of a W-2 Job: How the Taxes Actually Work
Your W-2 withholding stops at your salary. Here's how self-employment tax, bracket stacking, quarterly payments, and deductions actually work once you freelance on the side.
Read guideEmergency Fund vs. Paying Off Debt: What Comes First for Freelancers?
Order of operations, rebuilt for income that shows up whenever a client feels like paying. Why a small cash buffer usually beats aggressive debt payoff, how to split high- and low-interest debt, and a monthly split that does both.
Read guideStarting Freelance Retirement Savings in Your 40s or 50s
Behind on retirement in your 40s or 50s? Catch-up contributions, huge self-employed account limits, and a tax code built for late starters keep this game very winnable.
Read guideStop guessing about your freelance finances
Start with the calculator most freelancers wish they had used sooner.
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