Calculators
Every SoloFig calculator, grouped by what you are trying to figure out. Pick a category, or jump straight to a tool.
New here? Start with our calculator map guide — it points you to the right tool by the problem you're stuck on.
Taxes & IRS 11
Estimate what you owe, what to set aside, and the deductions you can take.
Self-Employment Tax Calculator (1099)
Know the number before the IRS tells you.
Quarterly Estimated Tax
Hit the safe harbour target and the underpayment penalty does not apply.
Home Office Deduction
Simplified caps at $1,500 — the actual method often beats it, especially if you rent.
Take-Home Rate
Your quoted rate is revenue. This is what you actually earn per hour.
Mileage Deduction
Standard mileage is 76¢/mi in 2026 — but actual expenses sometimes beat it.
QBI Deduction
Most freelancers get 20% of profit off taxable income — until income gets high.
Write-off Tax Savings
A $1,000 write-off at 27% only costs you about $730 out of pocket.
Effective Tax Rate
Your effective rate is lower than your bracket. That changes your pricing.
Tax Set-Aside
Decide the savings rhythm once, not on every project.
S-Corp Salary
Split salary from distributions and see the payroll-tax saving.
Sales Tax Calculator for Freelancers
Sales tax is a pass-through — here is exactly what to remit and what to keep.
Pricing my work 12
Turn the rate you want into the number you should quote — and what a discount really costs.
Freelance Hourly Rate
Stop guessing. Start with the income you want and work backwards.
Freelance Project Pricing
Estimate the hours, then price the risk.
SaaS Break-Even
How many customers before the lights pay for themselves?
Take-Home Rate
Your quoted rate is revenue. This is what you actually earn per hour.
Value-Based vs Hourly Pricing
Clients pay for outcomes, not hours. Price the outcome and capture a share of it.
Income Goal
Name the revenue you need — see exactly how many clients that requires.
Retainer Pricing
A retainer trades a little rate for predictable monthly revenue.
Rate Increase
A "small" raise is bigger than the percentage suggests.
Consulting Day Rate
A day rate rewards full-day bookings — and fills your calendar.
Pricing Tiers
Find out which tier actually makes you money.
Client Discount Break-Even
A small discount needs a surprising number of new clients.
Utilization & Effective Rate
Your bill rate is what clients pay. Utilization is what you keep.
Saving & retirement 3
How much to keep aside for slow months and for retirement, on your own.
Cash flow & debt 9
Stay liquid: emergency buffers, debt paydown, buy vs lease.
Freelance Emergency Fund
Built for income that arrives in lumps, not a salary that arrives on time.
Client Concentration
One client at 50% of revenue is not a business — it is a job you can be fired from.
Tax Set-Aside
Decide the savings rhythm once, not on every project.
Cost of Hiring
Delegating pays only if the freed time becomes billable.
Software ROI
Does that subscription actually pay for itself?
Profit First
Take profit first — not what is left over.
Invoice Financing Cost
The per-period fee hides a triple-digit APR.
Debt Payoff Calculator — Avalanche vs Snowball
Two strategies, one goal — get out of debt faster.
Buy vs Lease Calculator for Freelancers
Buying costs depreciation; leasing costs payments.
Business structure 3
Sole prop, LLC or S-corp — what each setup changes for your take-home.
Getting paid 4
What payment and platform fees actually take, and how to recover late invoices.
Payment Processing Fee
The advertised percentage is not the rate you pay.
Late Fee Calculator for Invoices
A 1.5% monthly late fee is ~18% a year. See what slow payment really costs.
International Payment Fees
The FX margin is the leak you cannot see. Here it is.
Invoice Financing Cost
The per-period fee hides a triple-digit APR.
International clients 1
The extra cost of getting paid across borders.