Free, no-signup calculators for freelancers and the self-employed — price your work, invoice clients, and understand your numbers, right in your browser. https://freelancetally.com en 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.https://freelancetally.com/tools/self-employment-tax-calculator/https://freelancetally.com/tools/self-employment-tax-calculator/Sun, 05 Jul 2026 00:00:00 GMTHow 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.https://freelancetally.com/guides/1099-vs-w2-how-much-more-to-charge/https://freelancetally.com/guides/1099-vs-w2-how-much-more-to-charge/Mon, 15 Jun 2026 00:00:00 GMTShould 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.https://freelancetally.com/guides/do-freelancers-charge-sales-tax-on-services/https://freelancetally.com/guides/do-freelancers-charge-sales-tax-on-services/Mon, 15 Jun 2026 00:00:00 GMTFirst 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.https://freelancetally.com/guides/first-year-freelancer-quarterly-taxes/https://freelancetally.com/guides/first-year-freelancer-quarterly-taxes/Mon, 15 Jun 2026 00:00:00 GMTHow to calculate a freelance day rate from your hourly rate without underpricing — with worked numbers, a billable-days table, and when day beats hourly.https://freelancetally.com/guides/freelance-day-rate-vs-hourly-conversion/https://freelancetally.com/guides/freelance-day-rate-vs-hourly-conversion/Mon, 15 Jun 2026 00:00:00 GMTFreelance 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.https://freelancetally.com/guides/freelance-rate-reality-index/https://freelancetally.com/guides/freelance-rate-reality-index/Mon, 15 Jun 2026 00:00:00 GMTHow 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.https://freelancetally.com/guides/freelance-rush-fee-how-much-to-charge/https://freelancetally.com/guides/freelance-rush-fee-how-much-to-charge/Mon, 15 Jun 2026 00:00:00 GMTConvert freelance writing rates between per-word, per-hour, and per-project — with worked numbers, a writing-speed table, and when to refuse per-word.https://freelancetally.com/guides/freelance-writing-rate-conversion/https://freelancetally.com/guides/freelance-writing-rate-conversion/Mon, 15 Jun 2026 00:00:00 GMTWhat is a good profit margin for a freelancer? Real benchmark bands, a worked $90k P&L, the owner's-pay trap, and how 5 points becomes real take-home.https://freelancetally.com/guides/good-profit-margin-for-freelancers/https://freelancetally.com/guides/good-profit-margin-for-freelancers/Mon, 15 Jun 2026 00:00:00 GMTStandard mileage rate vs actual expenses, which is better self-employed? The break-even miles, worked with real numbers and the first-year lock-in rule.https://freelancetally.com/guides/mileage-vs-actual-car-expenses-freelance/https://freelancetally.com/guides/mileage-vs-actual-car-expenses-freelance/Mon, 15 Jun 2026 00:00:00 GMTConvert salary to freelance hourly rate with a multiplier that survives reality: employer FICA, benefits load, and the billable hours you'll never get back.https://freelancetally.com/guides/salary-to-freelance-rate-multiplier/https://freelancetally.com/guides/salary-to-freelance-rate-multiplier/Mon, 15 Jun 2026 00:00:00 GMTDo you pay self-employment tax on small side hustle income? The $400 net-profit rule, worked at $700 and $2,000, and why a 1099-K changes nothing.https://freelancetally.com/guides/side-hustle-self-employment-tax-threshold/https://freelancetally.com/guides/side-hustle-self-employment-tax-threshold/Mon, 15 Jun 2026 00:00:00 GMTYour total tax rate as a freelancer is self-employment tax plus federal plus state income tax — worked on $80k net profit, no-tax vs high-tax state.https://freelancetally.com/guides/total-freelancer-tax-rate-explained/https://freelancetally.com/guides/total-freelancer-tax-rate-explained/Mon, 15 Jun 2026 00:00:00 GMTHow much should a virtual assistant charge per hour? Work backward from a real take-home floor, factor in utilization and SE tax, then price retainers right.https://freelancetally.com/guides/virtual-assistant-rate-what-to-charge/https://freelancetally.com/guides/virtual-assistant-rate-what-to-charge/Mon, 15 Jun 2026 00:00:00 GMTFind 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.https://freelancetally.com/tools/break-even-calculator/https://freelancetally.com/tools/break-even-calculator/Sat, 13 Jun 2026 00:00:00 GMTHow to work out the break-even point for a freelance or one-person business — what contribution margin is, why your own pay belongs in fixed costs, and how much cushion to aim for.https://freelancetally.com/guides/freelance-break-even-point/https://freelancetally.com/guides/freelance-break-even-point/Sat, 13 Jun 2026 00:00:00 GMTHow U.S. estimated taxes work for the self-employed — the four payment dates, the safe-harbor rule that protects you from penalties, and a habit that makes it painless.https://freelancetally.com/guides/quarterly-estimated-taxes-for-freelancers/https://freelancetally.com/guides/quarterly-estimated-taxes-for-freelancers/Sat, 13 Jun 2026 00:00:00 GMTWhat U.S. self-employment tax is, why it's 15.3%, where the money goes, and why half of it comes back — written for freelancers seeing it for the first time.https://freelancetally.com/guides/self-employment-tax-explained/https://freelancetally.com/guides/self-employment-tax-explained/Sat, 13 Jun 2026 00:00:00 GMTCreate and download a clean, professional invoice as a PDF - free, no sign-up, no watermark. Your draft stays on your device; nothing is uploaded.https://freelancetally.com/tools/free-invoice-generator/https://freelancetally.com/tools/free-invoice-generator/Wed, 10 Jun 2026 00:00:00 GMTWork 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.https://freelancetally.com/tools/freelance-hourly-rate-calculator/https://freelancetally.com/tools/freelance-hourly-rate-calculator/Wed, 10 Jun 2026 00:00:00 GMTWork 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.https://freelancetally.com/tools/profit-margin-calculator/https://freelancetally.com/tools/profit-margin-calculator/Wed, 10 Jun 2026 00:00:00 GMTThe costs new freelancers forget — and that quietly turn a "good" rate into barely breaking even. A specific, itemised reality check.https://freelancetally.com/guides/hidden-costs-of-freelancing/https://freelancetally.com/guides/hidden-costs-of-freelancing/Wed, 10 Jun 2026 00:00:00 GMTThe real trade-offs between charging by the hour and charging per project — with a simple rule for choosing on each job.https://freelancetally.com/guides/hourly-vs-project-pricing/https://freelancetally.com/guides/hourly-vs-project-pricing/Wed, 10 Jun 2026 00:00:00 GMTWhy your billable hours are far below 40 — and how the gap quietly wrecks underpriced freelancers. With a worked example.https://freelancetally.com/guides/how-many-hours-can-a-freelancer-bill/https://freelancetally.com/guides/how-many-hours-can-a-freelancer-bill/Wed, 10 Jun 2026 00:00:00 GMTA sensible way to estimate a tax set-aside on freelance income, why a separate account helps, and why the exact number depends on where you live.https://freelancetally.com/guides/how-much-to-set-aside-for-tax/https://freelancetally.com/guides/how-much-to-set-aside-for-tax/Wed, 10 Jun 2026 00:00:00 GMTA calm, escalating sequence for chasing overdue freelance invoices — including the exact emails to send at 1, 7 and 30 days late.https://freelancetally.com/guides/how-to-chase-a-late-invoice/https://freelancetally.com/guides/how-to-chase-a-late-invoice/Wed, 10 Jun 2026 00:00:00 GMTPractical, relationship-friendly tactics that get freelance invoices paid faster — terms, timing, and the small wording changes that work.https://freelancetally.com/guides/how-to-get-clients-to-pay-on-time/https://freelancetally.com/guides/how-to-get-clients-to-pay-on-time/Wed, 10 Jun 2026 00:00:00 GMTA simple system for turning lumpy freelance income into a predictable monthly paycheck to yourself — buffers, percentages, and accounts.https://freelancetally.com/guides/how-to-pay-yourself-as-a-freelancer/https://freelancetally.com/guides/how-to-pay-yourself-as-a-freelancer/Wed, 10 Jun 2026 00:00:00 GMTA repeatable way to turn a vague project into a confident fixed price — estimating hours, adding a buffer, and protecting your margin.https://freelancetally.com/guides/how-to-price-a-project/https://freelancetally.com/guides/how-to-price-a-project/Wed, 10 Jun 2026 00:00:00 GMTWhen and how to raise your rates with existing and new clients — including the exact wording to use, without losing the work.https://freelancetally.com/guides/how-to-raise-your-freelance-rates/https://freelancetally.com/guides/how-to-raise-your-freelance-rates/Wed, 10 Jun 2026 00:00:00 GMTA practical, numbers-first way to set your first freelance rate — working backwards from the income you need, not from what a stranger on Reddit charges.https://freelancetally.com/guides/how-to-set-your-freelance-rate/https://freelancetally.com/guides/how-to-set-your-freelance-rate/Wed, 10 Jun 2026 00:00:00 GMTWhy invoice numbers matter, the simple numbering systems that work, and the mistakes that cause messy records and tax-time headaches.https://freelancetally.com/guides/invoice-numbering-systems/https://freelancetally.com/guides/invoice-numbering-systems/Wed, 10 Jun 2026 00:00:00 GMTHow to live on income that arrives in lumps — buffers, baseline budgets, and a simple system so a slow month is not a crisis.https://freelancetally.com/guides/managing-irregular-freelance-income/https://freelancetally.com/guides/managing-irregular-freelance-income/Wed, 10 Jun 2026 00:00:00 GMTMargin and markup are not the same number — confusing them eats your profit. A clear, example-led explanation for freelancers.https://freelancetally.com/guides/margin-vs-markup-explained/https://freelancetally.com/guides/margin-vs-markup-explained/Wed, 10 Jun 2026 00:00:00 GMTScope creep is where freelance profit goes to die. How to spot it early, word your quotes to prevent it, and reprice gracefully.https://freelancetally.com/guides/protect-your-margin-from-scope-creep/https://freelancetally.com/guides/protect-your-margin-from-scope-creep/Wed, 10 Jun 2026 00:00:00 GMTA separate business account is the single highest-leverage admin habit for freelancers. Why it matters and how to set it up simply.https://freelancetally.com/guides/separating-business-and-personal-finances/https://freelancetally.com/guides/separating-business-and-personal-finances/Wed, 10 Jun 2026 00:00:00 GMTWhen to take a deposit, how big it should be, and how milestone payments protect your cash flow on bigger freelance projects.https://freelancetally.com/guides/should-you-ask-for-a-deposit/https://freelancetally.com/guides/should-you-ask-for-a-deposit/Wed, 10 Jun 2026 00:00:00 GMTA dead-simple weekly money routine that keeps you organised and makes tax time painless — no accounting background needed.https://freelancetally.com/guides/simple-bookkeeping-for-freelancers/https://freelancetally.com/guides/simple-bookkeeping-for-freelancers/Wed, 10 Jun 2026 00:00:00 GMTExactly what every freelance invoice needs, what is optional, and a worked example — so you get paid without back-and-forth.https://freelancetally.com/guides/what-to-put-on-a-freelance-invoice/https://freelancetally.com/guides/what-to-put-on-a-freelance-invoice/Wed, 10 Jun 2026 00:00:00 GMT