PiggyMath
Smart money math, made simple
Free freelancer tax & money calculators. Plan & set aside — we don’t e-file. No signup; math runs in your browser.
Q3 estimated taxes are due September 15, 2026 — mid-year correction with the quarterly calculator. Planning for next year? The 2027 tax-year preview lists official HSA/PTC figures and leaves unpublished IRS/SSA amounts blank. Prep only; we don’t e-file.
🧾 Freelance & self-employment tax
All 16 →What you owe, when you owe it, and what to charge so it's covered.
Freelancer Tax Calculator
Federal SE + income tax, state tax and full QBI — one screen for the full picture.
🧾Self-Employment Tax Calculator
2026 SE tax for freelancers: Social Security + Medicare, done right.
📅Quarterly Tax Calculator
What to send the IRS each quarter — with deadlines and reminders.
💸Tax Set-Aside Calculator
What percent of net profit to park for federal SE + income tax (and optional state).
📐QBI Deduction Calculator
§199A with 2026 thresholds, SSTB phase-out and the wage limitation.
📑Form 2210 / Underpayment Penalty
Equal instalments vs simplified annualisation — and a rough penalty estimate.
🛟Safe Harbor Tax Calculator
The minimum you must pay this year to avoid an IRS underpayment penalty.
⏱️Freelance Rate Calculator
Work backwards from your target income to the rate you should charge.
📊Break-Even & Markup
Units and revenue to cover fixed costs — plus margin ↔ markup.
⚖️1099 vs W-2 Calculator
What contract rate actually matches a salary offer once benefits are counted.
📱1099-K Threshold Checker
Will PayPal, Venmo or Etsy send you a 1099-K in 2026 — and does it change what you owe?
🗺️Freelancer State Tax Comparison
Same federal SE tax, different state income tax — compare two or three states.
💵Paycheck Calculator
2026 W-2 take-home: federal tax, FICA and an optional flat state rate.
📝W-4 Extra Withholding
How much extra to withhold per paycheck so a W-2 job covers 1099 tax.
👨👧Child Tax Credit Calculator
2026 $2,200 CTC, ACTC refundable cap and MAGI phaseouts.
📉Capital Gains Tax Calculator
Short-term vs long-term with 0/15/20% brackets and NIIT awareness.
💵Salary to Hourly Calculator
Convert annual salary to hourly, daily, weekly and biweekly pay.
📋 Deductions & write-offs
All 7 →Every deduction a self-employed person can actually claim, with the limits that bite.
Home Office Deduction Calculator
Compare the simplified and actual-expense methods and see which saves more.
🚙Mileage Deduction Calculator
2026 IRS rates, including the mid-year rise from 72.5¢ to 76¢ per mile.
⚖️Mileage vs Actual Expenses
Standard mileage (72.5¢ / 76¢) vs gas, insurance, repairs and depreciation.
💻Section 179 Equipment Calculator
Write off a laptop, camera or van this year — and see what the income cap holds back.
🩺Self-Employed Health Insurance
How much of your premiums you can deduct — and why it never cuts your SE tax.
🧑🍳No Tax on Tips & Overtime
The new deductions of up to $25,000 and $12,500 — and where they phase out.
🚘Car Loan Interest Deduction
Up to $10,000 of interest on a US-assembled new vehicle, 2025–2028.
🏥 Health insurance & the ACA
All 4 →The 400% cliff came back for 2026, and the repayment caps went away. Both hit freelancers hardest.
ACA Subsidy Cliff Calculator
The 400% cliff is back for 2026 — and a retirement contribution can put you back under it.
🧮Premium Tax Credit Repayment
You guessed your income in November. Here's what Form 8962 will say in April — uncapped since 2026.
💊Self-Employed HSA Calculator
2026 limits, the ACA subsidy it can recover — and the payroll saving freelancers don't get.
🩺Self-Employed Health Insurance
How much of your premiums you can deduct — and why it never cuts your SE tax.
🏛️ Business structure
All 5 →Whether to elect S-corporation status, and what to pay yourself if you do.
S-Corp vs Sole Proprietor
Payroll tax saved, QBI deduction lost — the half of the trade-off nobody shows you.
📐QBI Deduction Calculator
§199A with 2026 thresholds, SSTB phase-out and the wage limitation.
⚖️S-Corp Reasonable Salary
Price the job role by role, the way an analyst would — not as a percentage of profit.
🏗️LLC vs S-Corp vs C-Corp
All three taxed side by side — including the double tax the 21% rate is supposed to beat.
🧾Self-Employment Tax Calculator
2026 SE tax for freelancers: Social Security + Medicare, done right.
Solo 401(k) Contribution Limits
2026 limits done properly: 20% for the self-employed, not the 25% most tools apply.
🏦SEP-IRA vs Solo 401(k)
Which retirement plan lets a freelancer contribute more — and save more tax?
🚪IRA & Backdoor Roth
2026 $7,500 / $8,600 limits, Roth phaseouts and a pro-rata backdoor check.
🔁Roth Conversion Tax
Extra 2026 federal income tax if you convert traditional IRA dollars to Roth.
🌴Retirement Calculator
Project your nest egg and the monthly income it could sustain.
📈Compound Interest Calculator
Watch deposits plus monthly contributions snowball over the years.
🎯Savings Goal Calculator
The exact monthly amount to hit any savings target on time.
🏠 Home & borrowing
All 6 →Buying, renting, refinancing and paying debt down — on income that isn't a salary.
Mortgage Calculator
Monthly payment with taxes, insurance & HOA — plus a full amortization schedule.
🔑Home Affordability Calculator
How much house you can buy on 1099 income — using the year lenders actually count.
🏘️Rent vs Buy Calculator
Net worth either way — including the mortgage interest deduction most buyers never get.
🔄Refinance Calculator
Break-even, yes — but also what restarting a 30-year clock really costs you.
🚗Loan Calculator
Car, personal or student loan payments and the true total cost of borrowing.
❄️Debt Payoff Calculator
Avalanche vs snowball, month by month, with the real interest each one costs.
Freelancer guides
September 15, 2026 (Q3)
Next estimated-tax due date — mid-year correction, safe harbor, and how to pay.
📅Quarterly Tax Deadlines 2026 & 2027
Every estimated-tax due date, with a calendar file and email reminders.
🗺️Self-Employment Tax by State
Federal SE tax is the same everywhere — but your state rate changes the total.
✅Filing Prep Checklist
Situation → forms (Sch C, SE, 1040-ES, QBI, 8962…) with estimator links. Prep, not e-file.
📄Freelancer Tax Forms Explained
Schedule C, Schedule SE, 1040-ES and the 1099 family — who files what, and when.
📰Press & brand
Logo, fact sheet and citeable explainers.
📖Money & Tax Glossary
Plain-English definitions for every term our calculators use.
Built for real decisions
Every figure here is checked against a second, independent implementation before it is published — that process is described on the methodology page, including the errors it has caught in our own tools. About PiggyMath explains who builds this and why, and the glossary defines every term the calculators use.
Citeable explainers: 2026 set-aside by income · SE tax vs employee FICA · Press kit.
Every PiggyMath calculator uses the standard formulas taught in finance — the same amortization and compound-interest math used by banks and lenders — and our tax tools are updated with the official 2026 IRS figures: current brackets, the $16,100 / $32,200 standard deduction , and the $184,500 Social Security wage base . Full sourced list: Tax Constants 2026. 2027 preview (HSA/PTC official; brackets and wage base not yet published): Tax Constants 2027. Drag the sliders, watch the charts move, and get answers in seconds.