Finance tools built for US freelancers and self-employed workers.

Every calculator on this site is a thin UI over open, documented math. The same self-employment tax engine — 12.4% Social Security up to the wage base, 2.9% Medicare uncapped, plus the 0.9% additional Medicare surtax over the filing-status threshold — runs in every tool that touches 1099 income. The QBI deduction, federal brackets, and 50-state income tax logic are extracted into a shared library so results are consistent across the suite.

We don't take shortcuts on accuracy. Federal brackets, the Social Security wage base, standard deductions, and the QBI threshold come from the IRS Revenue Procedure for the current tax year. State brackets come from each state's department of revenue, with the Tax Foundation's annual summary as a cross-check. Industry billable utilization defaults come from Bonsai, Payoneer, and BLS occupational data. Every constant is re-verified each January when new figures land.

We're upfront about what we don't model in v1 — city and local tax, S-corp election, multi-state residency, alternative minimum tax — because YMYL content lives or dies by transparent methodology.

Read our full methodology