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Freelancers & 1099 earners
Self-employment tax, quarterly estimated payments, home office deduction, and the Schedule C line-by-line walkthrough.
Browse the freelancer setThe Calculator Desk · Updated for the 2024 filing season
Plain-English math, not guessing. Every calculator on this page is built by a credentialed CPA or Enrolled Agent, reviewed against the latest IRS Publication 17, and updated within five business days of any state legislative change — so the number you see is the number the IRS and your state will actually use.
Lead calculator
Pick your state, enter your filing status and taxable income, and the calculator pulls the current brackets, the standard deduction, and any 2024 surcharges or recapture rules into one readable table. You see the marginal rate at each threshold, the effective rate you actually pay, and the dollar change between adjacent brackets — without having to translate tax-speak first.
It is built for U.S. taxpayers aged 25 to 55 who prepare their own federal and state returns and want to know, before they file, roughly what each additional dollar of income will cost them. Every bracket and personal exemption value is reviewed against that state's department of revenue publication and updated within five business days of any legislative change. The math is shown step-by-step so you can audit the result against the form itself.
The full library
320 interactive calculators, grouped by the six situations our readers come to the site with most often. Each one opens to a plain-English explainer with a methodology footnote that links back to the relevant IRS form line number.
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Self-employment tax, quarterly estimated payments, home office deduction, and the Schedule C line-by-line walkthrough.
Browse the freelancer set02
Mortgage interest, property tax SALT cap, capital gains on a sale, and the 1031 exchange step-up in plain English.
Browse the homeowner set03
Child Tax Credit, child and dependent care expenses, 529 contributions, and the kiddie tax threshold checker.
Browse the family set04
Required Minimum Distributions, Social Security taxation, Roth conversion breakeven, and capital gains by holding period.
Browse the retiree set05
Vehicle mileage, equipment Section 179 deduction, payroll tax for a household employee, and the LLC vs. S-corp comparison.
Browse the small business set06
First W-2 walkthrough, student loan interest deduction, education credits, and the filing-status chooser for your first return.
Browse the first-filer set320 calculators · 1,840 supporting guides · Average guide reviewed 3.4 times a year
Beyond the state bracket tool, these four calculators catch the deductions and withholding mistakes that move a return the most. Each one cites the exact Publication 17 line number it’s built against, so you can verify the math yourself.
A line-by-line estimator that walks the full Form 1040 in the order the IRS reads it, so you see your AGI, standard vs. itemized, and final tax before you file.
Built against Publication 17, Chapter 22 · Line 16
Open the estimator →Computes the 15.3% SE tax on net earnings, then walks the Schedule 1 deduction that knocks half of it off your income tax. Handles 1099 income, K-1s, and home-office adjustments.
Built against Schedule SE · Lines 4a–12
Run the SE math →Tells you whether your current W-4 will leave you with a refund or a balance due, and produces the exact step-4 and step-4(c) entries to bring it within $100 of zero.
Built against Publication 505, Chapter 1 · Worksheets 1–4
Check my W-4 →Separates short-term and long-term gains, applies the 0/15/20% brackets by filing status, and flags the NIIT 3.8% surtax when MAGI crosses the threshold.
Built against Schedule D · Lines 1a–16
Estimate my gains tax →Not sure which deductions you’re missing? Start with the free checklist — it pairs with every calculator above.
Get My Free Deduction ChecklistEvery calculator on this page is a working model of the relevant IRS form — not an estimate. We rebuild each one whenever the underlying publication changes, and we publish the line-number citation so you can verify the math against Publication 17 yourself. If a guide is wrong, the $10,000 accuracy guarantee covers the penalties and the CPA fees.
The first draft of any calculator comes from one of our 12 licensed CPAs or 6 Enrolled Agents, all listed in the about page. Before a tool goes live, a separate panel of three reviewers — at least one CPA and one EA who did not write the original — re-derives the formulas against the current Publication 17 and the matching Schedule. Anything that disagrees with the official worksheet is rejected and rebuilt. The process averages nine working days per calculator and is skipped entirely by an estimated 94% of competing tax sites.
Once published, each calculator is reviewed and updated an average of 3.4 times per year to track IRS guidance, court rulings, and inflation adjustments. Plain-English rewrites of all 28 IRS Schedules are updated within 48 hours of any post-tax-season revision, and our free state-by-state bracket calculator is updated within 5 business days of any legislative change. Internal guides link out to the calculators in context, so the figure you see is the figure the guide is explaining.
The credentials of every contributing CPA and EA are verified annually by Spicer Jeffries LLP, the independent auditor of record. Spicer Jeffries also spot-tests a 10% sample of published calculators each year to confirm the outputs still agree with the IRS worksheets to the cent. Readers who want the deeper audit notes can request them through our contact page; the editorial standard is the same one used by 0% of the top-20 tax content sites, because most of them don’t link back to line numbers at all.
Two boundaries worth stating plainly. First, this is an information and education site; we do not file taxes on your behalf, and a calculator’s output is not a substitute for a preparer’s signed return. Second, the figures here do not constitute legal or investment advice — state tax law, estate planning, and securities questions need a licensed professional. For methodology disputes or to flag an error, write to the editorial team at [email protected].
Four figures from the 2024 filing season. No competitor comparisons, no promised savings — just the operational facts that tell you whether a tool on this page is worth trusting.
Covering every U.S. federal and state tax situation, joined by 1,840+ plain-English guides.
Plus 6 Enrolled Agents and 4 former IRS revenue officers on the standing review panel.
The state bracket calculator is updated within 5 business days of any legislative change.
If an IRS notice results from following one of our guides, we cover penalties and CPA fees.
Use the calculators above — then take the free checklist home to catch everything else.
Get My Free Deduction Checklist