Freelance Finance

Find your ideal hourly or day rate based on income goal, billable hours, and expenses.

Compare net income as a 1099 contractor vs W-2 employee with benefits factored in.

See what you actually take home after Upwork service fees and payment processing.

Estimate your US self-employment tax on Schedule SE income.

Plan quarterly estimated tax payments using current-year and safe-harbor targets.

Create a clean, shareable invoice PDF in under a minute. No signup.

Estimate annual billable capacity, non-billable workload, and utilization targets.

Price freelance projects from hours, expenses, revisions, risk, profit, tax reserve, and deposits.

Calculate overdue invoice days, interest, recovery fees, and total late-payment charges.

Australian freelancer tax calculator: ABN income vs PAYG employee comparison.

Estimate Solo 401k and SEP IRA contribution limits for self-employed savers.