Finance tools built for freelancers
Free, no-signup calculators for the self-employed. Everything runs in your browser — we never see or store your numbers. No accounts, no upsells, just answers.
Open the tax estimator →Quarterly Tax Estimator
See your federal, state, and self-employment tax broken down by quarter with real due dates — including the new "No Tax on Tips" deduction.
Estimate my taxes → LiveSide Hustle Profit Calculator
Figure out what your side hustle actually nets after costs, taxes, and time — so you know your true hourly rate.
Find my true hourly rate → LiveRental Property Cash Flow Calculator
Model what a rental actually nets — after vacancy, management, maintenance, and CapEx — with cap rate, cash-on-cash, DSCR, break-even stress tests, and multi-year IRR.
Run the numbers → Live1099 vs W-2 Salary Calculator
Find the contract rate that truly matches a salary — after self-employment tax, the 20% QBI deduction, and the health, retirement, and time-off benefits you'd cover yourself.
Compare the offers →Free finance tools for freelancers and the self-employed
When you work for yourself, no employer withholds your taxes, tracks your deductions, or tells you what to set aside. Freelance Finance Calculator is a growing set of free, no-signup tools that do that math for you — quarterly estimated taxes, a side-hustle profit calculator, a rental-property cash-flow calculator, and a 1099-vs-W-2 salary comparison.
Why estimate your taxes as a freelancer?
The U.S. tax system is pay-as-you-go. If you expect to owe $1,000 or more for the year, the IRS wants quarterly estimated payments — covering both income tax and the 15.3% self-employment tax that no employer splits with you. Miss them and you can owe an underpayment penalty. The quarterly tax estimator shows what to set aside each quarter, with real due dates and a penalty-proof "safe harbor" option for when your income is hard to predict.
Why Freelance Finance Calculator?
Most "free" calculators exist to funnel you into a paid product. Ours don't. There's no signup, no email capture, and no data leaves your device. We build genuinely useful tools for freelancers and monetize with a few unobtrusive ads — that's it.