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Freelancer & 1099 Toolkit

Everything a US freelancer needs — from invoicing to quarterly taxes

Start with W-2 vs 1099View all toolkits →
13 free tools · 100% browser-based · Your data never leaves your device

Your Journey

1W-2 vs 1099 Decision Tool
2Freelancer Pricing Calculator
3Free Invoice Generator
4Freelancer Tax Calculator
5401(k) vs Roth IRA Compare
6US Self-Employment Tax
71099-NEC vs 1099-MISC
8W-4 Withholding Calculator
91099-K Tax Estimator
10AI Email Writer
11AI Resume Bullet Rewriter
12Time Zone Converter & Meeting Planner
13Subscription Cancellation Letter
1

Decide: Employee or Contractor?

Compare W-2 vs 1099 offers and understand the real cost difference.

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W-2 vs 1099 Decision Tool

Job offer: $80K salary or $100K contract? See what you take home after tax & benefits

After-taxBenefits
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Freelancer Pricing Calculator

Turn your hourly rate into a project quote — with overhead, profit margin, and milestones

Hourly→projectProfit margin
2

Work: Invoice & Get Paid

Generate professional invoices and choose the best payment processor.

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Free Invoice Generator

Create professional invoices in seconds — no signup, no watermark, print-ready

No signupPrint/PDF
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Payment Processor Compare

Stripe vs PayPal vs Square — see what you actually keep per $1,000 in sales

7 processorsVolume-based
3

Tax: Calculate & Pay

Estimate your self-employment tax, quarterly payments, and state obligations.

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Freelancer Tax Calculator

SE tax, QBI deduction, quarterly estimates — all 50 states

SE taxQBI deduction
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US Self-Employment Tax

Freelancer? Calculate SE tax, QBI deduction, and quarterly estimated payments

15.3% SE taxQBI deduction
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1099-K Tax Estimator

2026 threshold dropped to $600. Estimate your quarterly tax before you owe $5,000 in April

$600 thresholdQuarterly due
4

Save: Retirement & Benefits

Compare 401k vs Roth IRA and plan for your financial future.

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401(k) vs Roth IRA Compare

Should you contribute pre-tax or post-tax? See 30-year growth with your real bracket

30-year projectionEmployer match

Frequently Asked Questions

How much should I save for taxes as a freelancer?

Most freelancers should save 25-30% of net income for federal and state taxes, including the 15.3% self-employment tax.

When are quarterly tax payments due?

Q1: April 15, Q2: June 15, Q3: September 15, Q4: January 15. Missing deadlines results in penalties.

Do I need to charge sales tax as a freelancer?

Generally, service providers don't collect sales tax, but if you sell physical products, you may need to. Check your state's nexus rules.

Start with W-2 vs 1099