Free tools for US freelancers
Tax year 2026 · figures checked Nov 5, 2026
Built from official figures
Tax brackets, wage limits, mileage rates and due dates come from the IRS and the Social Security Administration. Each tool lists its sources.
Every step shown
Open “Show the math” under any result to see exactly how it was worked out, so you can check it yourself.
Your numbers stay with you
Calculations run in your browser. We never see your income, invoices or transactions.
Free, with no sign-up
Use every tool without an account. We only ask for your email before some tax-estimate downloads, or for the deadline calendar.
The toolkit
Twenty-two tools for working for yourself
Or go straight to a tool
Taxes14 tools
- 1099 Tax CalculatorWhat you owe and what to set aside
- Quarterly Estimated Tax CalculatorThe minimum to pay each quarter, and when
- Tax Deadline CalendarTax dates in your own calendar
- Underpayment Penalty CalculatorThe IRS penalty for late or low quarterly tax
- IRS Payment Plan CalculatorWhat paying your tax bill late costs
- 1099-NEC CheckerDo you need to send a 1099-NEC?
- 1099 Payment LedgerWho you paid, and who needs a 1099
- Mileage Deduction CalculatorYour deduction at IRS rates, with a trip log
- Gig Driver Tax CalculatorSet-aside and deductions for drivers
- Home Office Deduction CalculatorSimplified or regular: which saves more
- Self-Employed Health Insurance Deduction CalculatorYour deduction, with the premium tax credit
- HSA Contribution CalculatorHow much you can put in your HSA
- QBI Deduction CalculatorYour 20% qualified business income deduction
- W-4 Side Income CalculatorExtra W-4 withholding for side income
Getting Paid4 tools
Business Planning4 tools
Next federal estimated payment
January 15, 2027
Show the math
Nothing hidden. Every line has a source.
Most calculators give you one number and ask you to trust it. JAJPO shows the whole working, in the same order as your tax forms, so you can follow it line by line or take it to your tax professional.
How we check our figures| Net profitSchedule C | $85,000 |
|---|---|
| Half of self-employment taxSchedule 1 | −$6,005 |
| Standard deductionForm 1040 | −$16,100 |
| Qualified business income deductionForm 8995 | −$12,579 |
| Taxable incomeForm 1040 | $50,316 |
| Federal income tax2026 brackets | $5,790 |
| Self-employment taxSchedule SE | $12,010 |
| Total federal tax | $17,800 |
Figures checked against IRS sources on November 5, 2026.
Guides
Plain answers to the questions that cost money
- Guide1099 Taxes 2026: How They Work and What You OweThe 1099 forms, the new $2,000 threshold, how the tax is calculated, quarterly payments, penalties and what to do if a form is wrong.Read the guide
- GuideHow to File Taxes as a Freelancer: Step by StepWho must file, the forms, 1099s, deductions, a worked example, the April 15, 2027 deadline and what to do if you can't pay.Read the guide
- GuideFreelance Tax Deductions: What You Can Write Off in 2026Car, home office, health insurance, retirement, equipment, travel and meals: the IRS rule and the 2026 figure for each, and what you can’t deduct.Read the guide
- GuideTaxes on Side Income When You Also Have a JobWhen estimated tax is required, raising your withholding on Form W-4 Step 4(c) or paying quarterly, and why to redo the form each January.Read the guide
- GuideThe QBI Deduction for Freelancers: How the 20% Deduction WorksWhat counts as qualified business income, the 20% and the income limit, the 2026 thresholds, service businesses and the $400 minimum.Read the guide
- GuideSelf-Employment Tax 2026: The Complete GuideWhat the 15.3% tax is, who pays it, how to work it out step by step, and how to lower it legally.Read the guide
- GuideQuarterly Estimated Taxes 2026: A Freelancer's GuideWho has to pay, the 2026 due dates, how much to pay to avoid a penalty, and how to pay the IRS.Read the guide
- GuideHow to Get Paid as a Freelancer: Rates, Quotes and InvoicesSet a rate that covers tax and time off, quote clearly, invoice properly, follow up on late payments and keep records.Read the guide
- GuideSole Proprietor, LLC or S Corp: A Freelancer's Planning GuideHow each structure is taxed, what an S corp really saves, a contract against a job, and retirement plan limits.Read the guide
Who JAJPO is for
Anyone in the US who earns money outside a regular paycheck: freelance writers, designers and developers, consultants, independent contractors paid on a Form 1099, rideshare and delivery drivers, online sellers, and people with a side business next to their day job.
JAJPO's tools give planning estimates, not tax, legal or financial advice. For advice about your own situation, talk to a qualified tax professional. Read the disclaimer.