Self-employment tax, federal brackets, state income tax & quarterly estimates — instant results.
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Annual Take-Home Pay
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Enter your income to calculate
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eff. rate
Federal
Self-Emp
State
Federal Income Tax
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Self-Employment Tax
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State Income Tax
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QBI Deduction (saved)
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Total Tax Owed
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2026 Quarterly Estimated Payments
Quarter
Period
Due Date
Amount Due
Enter income above to see quarterly estimates
State-by-State Comparison
Enter income above to compare all 50 states.
State
State Rate
State Tax
Total Tax
Take-Home
💰
Max Your SEP-IRA
Contribute up to 25% of net SE income (max $72,000 in 2026) — reduces both income tax and SE tax base.
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Deduct Every Expense
Home office, software, equipment, internet, and professional development all reduce your taxable income.
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Pay Quarterly
Owe $1,000+? Pay quarterly to avoid IRS underpayment penalties. Use the schedule above.
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Claim QBI Deduction
Most freelancers qualify for a 20% deduction on qualified business income under Section 199A.
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S-Corp at $80K+
An S-Corp election splits income into salary + distributions, potentially saving thousands in SE tax.
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Consider No-Tax States
FL, TX, NV, WA, WY, SD, TN, NH, AK have no state income tax — a major advantage for freelancers.
Browse by State
⚠️ Disclaimer: Estimates for informational purposes only. Tax law is complex and varies by situation. Consult a qualified CPA or EA before making financial decisions. Rates based on 2026 IRS guidance.