US Freelancer Tax Estimates for Rate Calculators

Disclaimer: Educational only—not tax advice. Consult a CPA or EA for your situation.

US independents often combine federal income tax with self-employment tax (Social Security and Medicare on net earnings). Many solo freelancers use 25–35% as a combined planning rate in calculators; high-income states may need more.

Quarterly payments

Estimated taxes are typically paid quarterly. Use the tax reserve calculator to set aside a portion of each month's gross.

Deductions

Business expenses reduce taxable profit but do not eliminate the need for reserves. Track software, health insurance (where applicable), and home office per IRS rules.

Connect to your rate

Enter your combined estimate in the main rate calculator tax slider, then stress-test +5% to avoid surprises.