💻 Freelance
Freelance Calculators
Going independent means handling your own taxes, planning your own runway, and making smarter rate decisions. These calculators give you the numbers most freelancers find out about too late.
Runway
Freelance Savings Runway Calculator
How long your savings last if you go freelance — and the minimum monthly income you need to never touch them. Includes self-employment tax and a month-by-month chart.
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Freelance Rate Calculator
What hourly rate do you need to match your current salary after self-employment tax, benefits, and unpaid time?
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Quarterly Tax Estimator
Estimate your quarterly estimated tax payments as a 1099 freelancer so you’re never caught short in April.
The tax reality most freelancers underestimate
When you leave a W2 job, your employer was quietly paying half your Social Security and Medicare. As a freelancer, you pay both halves — 14.13% on top of federal and state income tax. On a $60,000 annual income, that’s roughly $8,500 in self-employment tax before a single dollar of income tax is calculated.
Every calculator in this section accounts for self-employment tax correctly, so the numbers you see reflect what freelancing actually costs — not the optimistic gross figures that make the leap look easier than it is.