Self-Employment & Freelance Tax Calculators

Self-employment income carries a 15.3% self-employment tax — both halves of Social Security and Medicare — on 92.35% of net profit, on top of ordinary income tax, with half of the SE tax deductible and a 20% qualified business income deduction available below the phase-out thresholds. Nobody withholds any of it, so the IRS expects quarterly estimated payments.

The freelance and self-employment tax calculators compute the full federal and state liability on net profit. The quarterly estimator turns that into four payments with the 2026 due dates and the 100%/110% safe-harbor rule. The 1099-vs-W2 calculator converts a contract rate into the salary it is really worth once self-employment tax, health insurance and the missing employer 401(k) match are counted. The side-hustle and side-income tools show the marginal cost of extra income stacked on a W-2 salary.