Verified against IRS & SSA sources
Tax tools that show where the numbers come from.
Free calculators for US freelancers and 1099 contractors. Every figure is tied to the 2026 IRS revenue procedure, notice, or SSA release it came from — so you can check the arithmetic instead of trusting it.
All 2026 constants verified 2 October 2026
Social Security wage base $184,500 · SECA rate 15.3% · Net-earnings factor 92.35%
The calculators
8 tools
- 01 Self-Employment Tax Calculator Your SECA tax on Schedule C profit — Social Security, Medicare, the additional 0.9%, and the deductible half. Open →
- 02 Quarterly Tax Calculator What to send with each 1040-ES, using the safe harbor rules or the annualized method — federal and state. Open →
- 03 1099 vs W-2 Calculator Compare take-home on the same gross — including the employer's half of payroll tax that most comparisons leave out. Open →
- 04 Mileage Deduction Calculator Standard mileage for business, medical and charity use — or a reimbursement at your employer's rate, which is a different question. Open →
- 05 Home Office Deduction Calculator Simplified against the regular method on Form 8829 — and the exclusive-use test that decides whether either applies. Open →
- 05 SEP IRA Calculator The most you can contribute for 2026 from self-employment income, capped at $72,000. In progress
- 06 1099 vs W-2 Calculator Compare take-home on the same gross — including the benefits a W-2 job quietly carries. In progress
Every rate carries
its receipt.
Most tax calculators show you a number and ask for your trust. This site shows you the number and the rule behind it, because a calculator you can't check is just an opinion.
- Each result cites the source and the date it was verified.
- Constants change every January — so they are dated, not assumed.
- If a figure isn't sourced, it isn't published.
Sources behind the 2026 figures
- Social Security wage base
- $184,500 · SSA release, 24 Oct 2025
- Standard deduction & brackets
- Rev. Proc. 2025-32 · IRS, 9 Oct 2025
- Retirement limits
- Notice 2025-67 · IRS, 13 Nov 2025
- Standard mileage rates
- Notice 2026-10 · IRS, 29 Dec 2025
- Section 179 & bonus depreciation
- Rev. Proc. 2025-32 §2.24 · Rev. Proc. 2026-15