Free Finance Tools for Freelancers
Work out what to charge, what to set aside for taxes, and what your rate really means — in seconds, free, no sign-up. These free freelance tools run entirely in your browser.
Freelance Hourly Rate Calculator
Find the hourly rate you need to cover expenses, taxes, and profit.
Salary ⇄ Contract Rate Converter
Convert a salaried salary to an equivalent contract rate (and back).
Freelancer Tax Set-Aside Calculator
Know exactly how much of every payment to set aside for taxes.
Day Rate ⇄ Hourly Rate Converter
Convert between day rates and hourly rates, adjusted for real working time.
Freelance Rates by Country
Compare freelance hourly rates worldwide and convert them into a target.
Gig Driver Earnings Calculator
Your real Uber/DoorDash/Lyft hourly rate after expenses and taxes.
Side Hustle Profit Calculator
The real hourly profit of your side hustle after costs, fees, and taxes.
Late Payment Interest Calculator
Interest and compensation owed on overdue freelance invoices.
Freelance Break-Even Calculator
The monthly revenue and billable hours you need to break even.
Mileage Deduction Calculator
IRS standard vs actual-cost write-off for business miles.
Home Office Deduction Calculator
Compare simplified vs actual-method home office write-offs.
QBI Deduction Calculator
Estimate your 20% Section 199A write-off and 2026 phase-out impact.
Solo 401(k) Contribution Calculator
Estimate employee deferral, employer 20% share, and catch-up limits.
Employee vs Contractor Cost Calculator
Compare an employee's fully burdened cost with a contractor's annual total.
Freelance Runway Calculator
How many months your savings last before the first freelance dollar lands.
Pricing Mode Converter
Convert between hourly, day rate, and project pricing — six directions with paid hours and scope buffer.
Freelance Client Acquisition Cost (CAC)
What each new client costs you — CAC, LTV, the ratio, and payback in months.
Self-Employment Tax with a W-2 Job
Mixed W-2 + 1099: SE tax on freelance profit, wage-base room, and the income tax on top.
Invoice Generator with Tax Set-Aside
Copy-paste invoice with the tax set-aside and your take-home on every total.
Quarterly Estimated Tax Calculator
Turn annual freelance profit into four IRS payments, with the SE/income split.
1099 Tax Calculator
Got 1099 income? See net profit, total owed, and the set-aside %.
Overtime Pay Calculator
Time-and-a-half rate, weekly total, and yearly uplift from any hourly rate.
UK Contractor Tax Calculator
Sole trader vs limited company take-home at 2026/27 rates.
Sole Trader Tax Calculator
UK sole trader take-home: Income Tax plus Class 4 NIC.
Salary to Hourly Calculator
Convert an annual salary to hourly, weekly, and monthly pay on your real hours.
Hourly to Salary Calculator
Turn any hourly rate into its annual salary and every paycheck between.
Freelance money guides
Step-by-step explainers behind the calculators — tax rules, rate benchmarks, and worked examples. Browse all 59 guides.
Quarterly Estimated Taxes, Explained
Deadlines, safe harbor, and penalties — with a full worked example.
How to Calculate Your Hourly Rate
The 2026 formula, real examples, and the mistakes that cost money.
What % to Set Aside for Taxes
The percentage of freelance income to reserve, by income level.
Gig Driver Tax Deductions
What Uber and DoorDash drivers can write off, including mileage.
Freelance Rates in the United States
2026 benchmarks by role and seniority, with a rate-setting formula.
How Much Should Developers Charge
Developer rate bands, day rates, and retainer math.
QBI Deduction, Explained
The 20% Section 199A write-off, thresholds, and phase-outs.
Mileage Deduction Guide
Standard rate vs actual expenses, with a mileage-log template.
Why freelancers need money calculators
Freelancers, contractors, and gig workers handle every part of a business alone: pricing, invoicing, and taxes. The most common — and most expensive — mistake is guessing at rates. Underpricing by even a few dollars an hour compounds over a year into thousands of lost income, while setting aside too little for taxes turns every April into a crisis.
Most rate advice online is vague ("charge what you're worth!") or aimed at full-time employees. These free freelance tools use the simple arithmetic that actually answers the questions freelancers ask: what should my hourly rate be, how does a contract rate compare to a salary, how much should I set aside for taxes, and what does my day rate equal per hour?
How to use this site
Pick the calculator that matches your question. Each tool runs entirely in your browser — your numbers never leave your device, there's nothing to install, and no account to create. Each page also explains the math behind the result, so you can sanity-check it and adjust the assumptions to your situation.
Who these tools are for
These free tools for freelancers cover designers, developers, writers, consultants, marketers, rideshare and delivery drivers, tutors, and anyone who earns income outside traditional employment — in the US, UK, and worldwide. The formulas work in any currency; results are formatted in your local currency.
Sources: US figures follow the IRS gig economy tax center; UK figures follow GOV.UK working for yourself.
FAQ
How much should I pay myself each month from my business income?
Pay yourself what is left after the business and the tax office take their shares: monthly revenue minus business expenses, minus the tax set-aside (25–30% of net in the US), minus a one-month buffer — the remainder is your pay. Find your floor with the break-even calculator, enforce the tax share with the set-aside calculator on every invoice, and never pay yourself from gross revenue.
Is there an app that helps freelancers set pay and save for tax?
These calculators are built for exactly that and run entirely in your browser — no install, no account, your numbers never leave your device. Use the tax set-aside calculator on every payment, the break-even calculator for your monthly floor, and the quarterly estimator to stay ahead of deadlines.
Which calculator should a new freelancer use first?
In this order: the hourly rate calculator to price your time, the contract rate converter to compare offers against salaries, and the tax set-aside calculator to protect every payment from day one. Everything else answers questions those three raise.