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Let's make freelance taxes a lot less painful

No jargon, no legalese. Clear answers on deductions, quarterly payments, and how 1099 workers keep more of what they earn.

Q3 Estimated PaymentSeptember 15, 2026
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What can we help you with?

Guides, comparisons, and tools for every part of your freelance life — all through a tax lens.

Getting Started

New to freelancing? Start here.

Freelance Taxes

1099s, quarterly payments, Schedule C

Deductions

Every write-off you can legally claim

Tools & Software

Invoicing, bookkeeping, mileage

Business Setup

LLC vs S-Corp, EIN, banking

Retirement & Health

Solo 401k, SEP, HSA, insurance

Getting Paid

Invoicing, contracts, late payments

Niche Guides

Rideshare, design, writing, dev

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The sources we follow for IRS updates, policy shifts, and self-employment news.

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Calculators built for 1099 workers

Free, no signup, no email gate — just punch in your numbers.

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Tax tool
Self-Employment Tax Calculator

Estimate the 15.3% SE tax on your freelance net income — Social Security and Medicare combined.

Open calculator →
Tax tool
Quarterly Estimated Tax Calculator

Project your four 1040-ES payments based on expected income and deductions.

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Business
Freelance Rate Calculator

Find the minimum hourly rate you need to charge to hit your income target.

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Freelance software we actually recommend

Independently reviewed — nobody pays for placement here.

See the full comparison →
FreshBooks
Service-based freelancers

Clean invoicing, time tracking, and expenses. The workflow is built around billable hours — not product inventory.

From $19/moVisit site →
Bonsai
Solo consultants

Proposals, contracts, invoicing, and time tracking in one tool — with e-sign templates worth the price alone.

From $21/moVisit site →
QuickBooks Self-Employed
Tax-ready bookkeeping

Automatic quarterly estimates, mileage tracking, and a Schedule C export that saves hours at filing time.

From $15/moVisit site →
Wave
Brand-new freelancers

Free forever plan with unlimited invoices and basic accounting. Pay-as-you-go processing when you're ready.

Free · Pay-as-you-goVisit site →
Planning Ahead

Retirement, health & the full-stack freelancer

Three moves that quietly save 1099 workers thousands a year.

Solo 401(k)
Stash up to $70,000 a year — as employee and employer

A one-person 401(k) is the highest-limit retirement account a freelancer can open. Here's how to set it up and fund it before year-end.

Read the guide →
Self-Employment Tax
15.3% on top of income tax — until the right entity changes the math

Once freelance profit clears ~$40K, an S-Corp election can cut self-employment tax meaningfully. Calculate what you'd save.

SE Tax Calculator →
HSA & Health Insurance
Triple tax advantage — and freelancers can deduct premiums too

A high-deductible plan + HSA is one of the best deals in the tax code for self-employed workers. Figure your contribution ceiling.

HSA Calculator →
See all retirement & health guides →
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Dig Deeper

Worth reading right now

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Business SetupShould You Elect S-Corp Status as a Freelancer? The Real Math Behind the $60K Rule and How to Calculate Your Actual SavingsLearn the real math behind the S-Corp $60K rule for freelancers. Calculate actual tax savings, understand reasonable sal...Freelance TaxesHow to Handle Estimated Tax Penalties When You Had an Irregular Income Year: The Annualized Income Installment Method ExplainedThe annualized income installment method on Form 2210 Schedule AI lets freelancers with irregular income recalculate est...DeductionsHow to Deduct Your Phone Bill as a Freelancer: The Two-Line Strategy That Satisfies the IRSLearn the IRS-approved two-line strategy to deduct your phone bill as a freelancer, including allocation methods, record...DeductionsCan You Write Off Your Internet Bill? How to Calculate the Deductible Percentage When You Stream, Game, and Work From the Same ConnectionYes, you can deduct part of your internet bill—but only the business percentage. Learn the IRS rules and how to calculat...Freelance TaxesWhat Happens When a Client Won't Send Your 1099: How to Report Income Without the FormMissing a 1099 from a client? You still must report that income. Learn how to file without the form and protect yourself...Freelance TaxesHow to Handle a 1099-NEC vs. 1099-K in 2024: Why You Might Get Both from the Same Client (and How to Avoid Double-Reporting Income)Learn why freelancers receive both 1099-NEC and 1099-K forms from the same client, what each reports, and how to avoid d...
New to freelancing

Your first 1099, quarterly taxes, and what to deduct — all in one place

A starter path for new freelancers: what forms you'll get, what you'll owe, and the deductions worth tracking from day one.

Read the starter guide →

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1099Freelance provides free educational tax and business information for independent workers. We are not CPAs or licensed tax professionals. Nothing on this site is professional advice. Consult a qualified tax professional for guidance specific to your situation.