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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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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.

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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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DeductionsShould You Take the Standard Mileage Rate or Actual Expenses? The Break-Even Calculator for Freelancers Who Drive for WorkChoosing between the IRS standard mileage rate and actual expenses can swing your deduction by thousands. Learn how to c...DeductionsCan You Deduct Your Home Renovation as a Freelancer? How the IRS Treats Home Office Improvements vs. RepairsNot all home renovation costs are created equal. Learn the IRS rules for deducting home office repairs versus improvemen...Freelance TaxesEstimated Quarterly Tax Calculator for Freelancers: Exactly How Much to Pay (and When) to Avoid IRS Penalties in 2024Learn how to calculate quarterly estimated taxes, avoid IRS penalties, and stay on track with payment deadlines using re...Getting PaidHow to Fill Out a W-9 as a Freelancer: Line-by-Line Instructions and Common Mistakes That Delay PaymentLearn how to fill out a W-9 form correctly as a freelancer. Line-by-line instructions, common mistakes that delay paymen...Tools SoftwareBest Payment Platform for Freelancers: Which One Saves You Time and Money in 2026?Choosing the right payment platform affects your fees, tax tracking, and cash flow. Compare PayPal, Stripe, Wise, and mo...Freelance TaxesThe $600 Rule for 2024: How Payment App 1099-Ks From Venmo, PayPal, and Cash App Actually Work for FreelancersThe IRS delayed the $600 1099-K rule again for 2024. Learn what payment apps like Venmo, PayPal, and Cash App actually r...
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.