Freelancer Tax Estimator 2026

About

Stop guessing what you owe the IRS.

Freelancer Tax Estimator calculates your self-employment taxes in real time using 2026 tax brackets (permanently extended by OBBBA). Enter your freelance income, see exactly what you owe — broken down by:

- Federal income tax (2026 brackets: 10% to 37%)
- Self-employment tax (15.3% SECA — Social Security + Medicare)
- State income tax (all 50 states + DC)
- Quarterly estimated payment amounts with due dates
- Combined effective tax rate

Works for freelancers, contractors, gig workers, and anyone with 1099 income. Handles W-2 + 1099 combined income scenarios — see how side hustle earnings stack on top of your day job bracket.

**Why this is different from generic tax calculators:**
- Self-employment tax calculated correctly (employer + employee halves, with deduction for employer half)
- Quarterly estimated payment amounts with actual 2026 due dates (April 15, June 16, September 15, January 15)
- State tax for all 50 states (including no-income-tax states flagged)
- W-2 + 1099 stacking shows your true marginal rate on freelance income
- 2026 OBBBA-permanent tax brackets (not the reverted pre-2017 rates some calculators still show)

WHY AN EXTENSION?

Web calculators make you bookmark a page and navigate back every time. This lives in your toolbar. One click, instant numbers. Update your income mid-quarter, check your new quarterly amount — takes 5 seconds.

FREE TIER: Federal tax + self-employment tax + quarterly estimates
PRO ($4.99): State tax for all 50 states + W-2/1099 stacking + deduction optimizer

No signup. No data collection. Runs entirely in your browser. Your financial data never leaves your computer.

Built by the team behind QuantCalc.app — the Monte Carlo retirement planner used by FIRE community members and financial advisors.