🧾 Tax Planning

Freelance Tax Calculator

🌐 Web app + 📊 Excel workbook

Estimate how much to set aside for taxes — SE tax, quarterly payments, federal income tax, and your projected take-home pay. Supports W-2 + freelance combined income. One purchase gets you both: the web app and the same calculator as an Excel file you keep.

$9.99one-time payment · instant access
Get both versions →

🔒 Secure checkout via Gumroad · Card or PayPal · Instant download

🧾 Freelance Tax Calculator

Sample result — $65K freelance, $6K expenses, 6% state, single

Tap ƒ to see the formula.

Estimated Tax Bill
$15,347
Quarterly Payment
$3,837
Real Take-Home
$43,653
Net Profit (Schedule C)
$59,000
SE Tax Total
$8,336
Federal Income Tax
$3,470
State Income Tax (6%)
$3,540
QBI Deduction
−$7,746
Set Aside
26% of net profit
Where Does Your Net Profit Go?
14.1%
5.9%
6.0%
74.0%
SE Tax · Federal Tax · State Tax · Take-Home

📊Also included: the Excel workbook — the same inputs and these results, the full tax breakdown, charts and a revenue analysis, all as live formulas. Change a blue cell and everything recalculates.

Web app preview
Scenario 1 inputs
Scenario 1 — $65K freelance, $6K expenses, 6% state tax. Every other input — standard deduction, QBI business type, SS wage base, federal and state brackets — is pre-filled and editable.
Scenario 1 result
$15,347 tax bill, $3,837 a quarter, $43,653 take-home — tap ƒ next to any line to see the formula behind it.
Brackets, quarterly payments and copy to Excel
Set aside 26% of net profit, $3,837 a quarter. Copy the breakdown to Excel or Google Sheets as a live sheet — change any input there and every result updates.
Scenario 2 inputs
Scenario 2 — the same freelance income, plus a $135K W-2 job.
Scenario 2 result
Your W-2 already used most of the wage base — Social Security on freelance income is reduced to $6,138.
Scenario 2 quarterly payments
$5,226 per quarter — after the income tax your employer may already withhold (about $30,174 a year).
Scenario 3 inputs
Scenario 3 — high earner: $200K W-2 plus the same $65K freelance.
Scenario 3 result
Social Security on freelance income is waived above the wage base — and the QBI deduction is partly phased out.
Scenario 3 brackets and quarterly payments
Five brackets up to 32% — and $4,376 per quarter after W-2 withholding.
Also included · Excel workbook

The same calculator, as an Excel file you keep

Excel workbook — inputs and live result, $65K freelance
Freelance Tax$65K freelance → $15,347 tax bill, $3,837 a quarter — the live result updates as you type.
Excel workbook — dashboard charts and the full tax breakdown
Freelance TaxWhere your money goes, federal tax by bracket, and the full breakdown step by step.
Excel workbook — inputs and live result with a $135K W-2 job
Freelance TaxAdd a $135K W-2 job — $51,079 tax bill, $5,226 a quarter.
Excel workbook — dashboard and breakdown with W-2 wages, Social Security reduced
Freelance TaxWith W-2 wages, Social Security on freelance income is reduced to $6,138 — explained beside the amount.
Excel workbook — inputs and live result with a $200K W-2 job
Freelance TaxHigh earner: $200K W-2 — Social Security waived, QBI partly phased out, $4,376 a quarter.
Excel workbook — your tax at 15 revenue levels, with charts
Revenue AnalysisThe same calculation at 15 revenue levels, with charts of tax and set-aside rate.

…and more: quarterly payments with due dates, spouse's W-2 wages for joint filers, state brackets, editable tax tables, plus a built-in "How it works" guide.

Tap a picture to see it full size.

What's inside

See Your Estimated Tax Bill Before It's Due

SE tax, quarterly payments, and estimated take-home — all in one place, in both the web app and the Excel workbook.

💰

Estimated Tax Bill

SE tax + federal + state income tax — your total estimated liability in one clear number.

📅

Quarterly Payments

Q1–Q4 estimated amounts and due dates, with a safe harbor note to help you plan for potential underpayment penalties.

📋

Full Tax Breakdown

Step-by-step: SE tax → AGI → taxable income → total bill. See how each part of your estimated tax bill is calculated.

🏠

Estimated Take-Home

Freelance + W-2 combined net pay — monthly and yearly — so you can see your estimated take-home.

📊

Income Breakdown Chart

See where each dollar goes: SE tax, income tax, take-home — visualized as a percentage bar.

💡

Tax-Saving Tips

Expense tracking, home office, SEP-IRA, Solo 401(k) and quarterly deadlines — practical guidance on deductions and tax-saving options.

Inputs

Every input that matters, already laid out

Adjust each input to your own situation — your income, expenses, state and tax year — and see how each scenario plays out. The same inputs are already laid out in both versions — nothing to set up.

🧾 Income & expenses

  • Gross freelance / 1099 revenue
  • Business expenses (deductible)
  • Your W-2 wages (if any) — and your spouse's when filing jointly
  • Filing status
  • Standard deduction
  • Business type for the QBI deduction

⚙️ Tax parameters

  • Tax year — pre-filled for 2022–2026, type in other years
  • State tax — one effective rate or your state's brackets
  • SS wage base
  • Additional Medicare threshold
  • QBI phase-out start & range, minimum QBI deduction
  • Federal tax brackets (editable)
See the math

Change any value. See how it's calculated.

Both versions start with typical values already filled in — type over any of them, and check how each result is worked out.

🌐 Web app
✏️

Change any pre-filled value

Tax year, federal brackets, standard deduction, state tax, Social Security wage base, QBI ranges — type over any starting value, including a new year's official figures.

ƒ

See the formula

Tap ƒ next to a result, a table column or a chart line to see how it's calculated, step by step.

📋

Copy table with formulas

Paste the full tax breakdown into Excel or Google Sheets as a live table that recalculates when you change an input.

📊 Excel workbook Also included
✏️

Edit any blue cell

Revenue, expenses, W-2 wages, state tax — and the pre-filled brackets and thresholds, including a new year's official figures.

ƒ

Click any amount, see its formula

Every result is a live formula, and each step of the breakdown explains how it is calculated right beside it.

📖

Nothing locked

Change or extend any formula. The "How it works" sheet explains each part and the assumptions behind it.

Yours to keep

Not a one-time result. Your own calculator.

Buy once and use both versions as often as you like — run every scenario you need.

🌐 Web app
🌐

Use it online

Open your link in any browser and start right away.

📱

Install it, use it offline

Install once on your phone or computer, then use it anywhere — even with no internet.

💾

Save as new file

Keep each scenario separately — freelance only vs with your W-2 job, this year vs next.

Desktop & Android
🔗

Share it

Send a scenario to your partner or advisor.

📊 Excel workbook Also included
📁

A file on your computer

The .xlsx is yours to keep — open it any time, no internet needed.

🗂️

One copy per scenario

Save a copy for each case — freelance only vs with your W-2 job, this year vs next — and compare them side by side.

🧩

Open it in the app you use

Microsoft Excel, Google Sheets or LibreOffice.

🔒 No account, no subscription — your data stays on your device.

Plan Ahead with Your Estimated Taxes

Enter your income and see your estimated tax bill, quarterly payments, and estimated take-home pay.

$9.99 · one-time payment
Web appExcel workbook (.xlsx)
Get both versions →

🔒 Secure checkout via Gumroad · Card or PayPal · Instant download

Need more than one? Get all 5 calculators for $39.99 →