Terms of Service

Last updated: August 2026

The short version

The calculators and guides here are free educational tools. They produce estimates, not advice, and while we work to keep figures current and correct, you shouldn't make financial decisions on these numbers alone. Use the site in good faith and verify anything important with a qualified professional.

What the site provides

Freelance Finance Calculator offers free, browser-based financial calculators and educational guides on freelance and self-employment finance topics. There are no accounts and no fees. By using the site you accept these terms; if you don't agree with them, please don't use the site.

Not professional advice

Everything on this site — calculator results, guides, worked examples — is general information for educational purposes. It is not tax, legal, accounting, investment, or financial advice, and using the site creates no professional–client relationship. Tax law changes and individual situations vary; before acting on anything you read or compute here, consult a qualified professional (such as a CPA, enrolled agent, or attorney) who knows your situation.

Estimates and accuracy

Calculations are based on published figures — IRS inflation adjustments, state revenue-department rates, and similar sources — and are reviewed on a regular cycle. Even so, the models are simplified: state and local estimates omit some taxes, and edge cases in the tax code are beyond what any general calculator can capture. Results are only as good as the inputs you provide, figures may lag recent law changes, and mistakes are possible. Nothing here is a guarantee of what you will owe or earn.

Acceptable use

Personal and commercial use of the calculators is welcome. Don't attempt to disrupt or overload the site, harvest its content at scale, or republish substantial portions of it as your own. The site's content is © Freelance Finance Calculator; linking to any page, and quoting brief excerpts with attribution, is always fine.

Third-party links and advertising

Guides link to outside resources — IRS pages, state tax departments, and similar — for reference, not as endorsements; those sites have their own terms. The site also displays advertising served by Google AdSense, and advertisers are unaffiliated with us. How ads and analytics use cookies is covered in the privacy policy.

No warranties

The site is provided “as is” and “as available”, without warranties of any kind, express or implied — including accuracy, fitness for a particular purpose, and uninterrupted availability.

Limitation of liability

To the maximum extent permitted by law, Freelance Finance Calculator and its operator are not liable for any damages arising from your use of, or reliance on, the site — including tax underpayments or penalties, missed deadlines, or financial losses resulting from decisions made using these tools.

Changes to these terms

These terms may be updated from time to time; the date at the top reflects the latest revision. Continued use of the site after a change means you accept the updated terms.

Contact

Questions about these terms? Email hello@freelancefinancecalc.com or see the contact page.