Free money & business tools for freelancers
Simple, no-nonsense calculators that help freelancers and self-employed people price their work, invoice clients and understand their numbers. No sign-up, no fluff — and everything runs in your browser, so the figures you type never leave your device.
Tools
Hourly Rate Calculator
Work out the freelance hourly rate you actually need to charge - from your target take-home pay, business costs, tax set-aside and realistic billable hours.
Invoice Generator
Create and download a clean, professional invoice as a PDF - free, no sign-up, no watermark. Your draft stays on your device; nothing is uploaded.
Margin & Markup Calculator
Work out profit margin and markup from a cost and price, or set your price from a target margin. Free, instant, with a margin-vs-markup explainer.
Self-Employment Tax Calculator
Estimate U.S. self-employment tax on your 1099/freelance profit for 2025 or 2026 - Social Security, Medicare, the deductible half and your quarterly share.
Break-Even Calculator
Find the number of sales, projects or billable hours you need to cover your costs - plus the volume to hit a target profit. Free break-even calculator.
Guides
Plain-language guides on pricing, invoicing and managing freelance money — each paired with a tool.
How Much Higher Should a 1099 Rate Be Than a W-2 Salary to Break Even
How much higher should a 1099 rate be than a W-2 salary to break even? Worked add-backs on an $80k job: FICA, health, 401k, PTO, SE tax, and the multiplier.
Do Freelancers Charge Sales Tax on Services? A State-by-State Reality Check
Should freelancers charge sales tax on services, and which states tax them? The default rule, the broad-base exceptions, the digital trap, and the invoice line.
Your First Year Freelancing: Do You Actually Owe Quarterly Taxes Yet?
First year freelancer, unsure if you owe quarterly estimated taxes yet? The $1,000 trigger and the prior-year safe harbor that can drop required payments to $0.
Freelance Day Rate: How to Convert From Hourly (Without Underpricing)
How to calculate a freelance day rate from your hourly rate without underpricing — with worked numbers, a billable-days table, and when day beats hourly.
Freelance Hourly Rate: Real Take-Home vs Advertised (The Rate Reality Index)
Freelance hourly rate vs real take-home: I ran 2026 advertised rates for 5 trades through SE tax and overhead. Your real number is ~40% lower. Full math inside.
Freelance Rush Fee: How Much to Charge (With Worked Examples)
How much should I charge for a rush job? A tiered freelance rush fee on a $1,200 base, with opportunity-cost math, an effective-hourly check, and a clause.
Why we built this
Most freelancers learn pricing and money management the hard way — by guessing, undercharging and scrambling at tax time. The big accounting apps bury simple answers behind sign-up walls and upsells. FreelanceTally is the opposite: one focused tool per problem, free, and explained in plain language so you understand the number, not just see it.
How it works
- Pick a tool and enter your numbers.
- Get a clear answer with the full breakdown, so you can trust the maths.
- Nothing is uploaded. The calculation happens entirely in your browser.