All Calculators
Every free tool, organized by the job you're trying to do. Each calculator runs 100% in your browser—no sign-up, no data upload.
Taxes & Deductions
Estimate what you owe and what you keep — self-employment tax, quarterly payments, W-2 vs 1099 and sales tax.
- US/UK Contractor Tax EstimatorEstimate your 2026 self-employment tax as a US or UK contractor—SE tax, Class 4 National Insurance and income tax, with 2026 rates.
- Quarterly Estimated Tax Calculator (US)Plan your US quarterly estimated tax payments: how much to pay by the next IRS deadline and how to stay ahead of the underpayment penalty.
- 1099 vs W-2 CalculatorCompare federal take-home pay as a W-2 employee vs a 1099 contractor with 2026 rates, including the rate premium a contract needs.
- Gross to Net Income CalculatorConvert gross income to net income after taxes and deductions.
- VAT & Sales Tax CalculatorQuickly add or remove VAT and sales tax for multiple countries.
Pricing & Quoting
Set rates that cover your costs and profit — hourly, salary, project budgets and break-even.
- Freelancer Hourly Rate CalculatorCalculate your ideal freelance hourly rate based on income, expenses and working time.
- Salary to Hourly ConverterConvert an annual salary to an hourly rate (or the reverse) using your weekly hours and paid weeks — compare jobs and freelance rates.
- Project Hour Budget CalculatorEstimate the hours and budget your project will actually require.
- Project Quote & Bid CalculatorBuild accurate project quotes and bids that protect your profit.
- Freelance Break-Even CalculatorFind your break-even point to know how much you must bill to cover costs.
Cash Flow & Invoicing
Track overhead, invoice profit, payment fees and due dates so money lands on time.
- Small Business Overhead CalculatorTrack and calculate your small business operating overhead costs.
- Invoice Profit & Margin CalculatorWork out the profit and profit margin of your invoices after costs.
- Payment Processing Fee CalculatorSee what you really keep after card & online payment fees (2.9% + $0.30), or price an invoice so you net exactly what you want.
- Invoice Due Date & Late Fee CalculatorFind an invoice's due date from your payment terms (net 7–90) and calculate the late fee on overdue invoices.
Retirement & Savings
Plan your nest egg and fund it tax-efficiently with SEP IRA and Solo 401(k) limits.
- Self-Employed Retirement CalculatorPlan your retirement savings as a self-employed professional.
- SEP IRA Contribution Calculator (2026)See how much you can contribute to a SEP IRA for 2026: 25% of compensation (20% for the self-employed), capped at $72,000.
- Solo 401(k) Contribution Calculator (2026)Calculate your maximum Solo 401(k) for 2026: $24,500 employee deferrals plus catch-up and employer profit-sharing up to $72,000.
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