2026 Self-Employed Tax Calculator & IRS Compliance Guide
Free tools and expert guides to help 1099 contractors, freelancers, and self-employed workers save money, avoid IRS penalties, and maximize deductions.
* Educational estimates only. Not professional tax advice.
2026 Tax-Saving Calculators for Self-Employed Workers
Instant calculations based on IRS rules. No signup, no hidden fees.
2026 Self-Employment Tax Calculator
Max IRS deductions for 1099 contractors. Calculate self-employment tax instantly.
Max Deductions2026 Quarterly Estimated Tax Calculator
Avoid IRS late penalties. Calculate quarterly estimated tax payments.
Avoid Penalties2026 1099 Tax Estimator
Calculate estimated taxes for independent contractors and gig workers.
Fast EstimateHome Office Deduction Calculator
Compare simplified vs regular method for maximum tax savings.
Max SavingsHourly to Salary Calculator
Convert hourly wage to annual salary with pre-tax and post-tax estimates.
Instant Result2026 IRS Tax Deadline Calculator
Find official tax due dates based on IRS Publication 509.
IRS OfficialMACRS Depreciation Calculator
Calculate equipment depreciation using IRS MACRS rules.
IRS Compliant2026 Sales Tax Calculator
Calculate sales tax for US states and local jurisdictions.
All StatesQuick Tax Deduction Finder
Find tax deductions you might be missing as a self-employed worker.
Missing Deductions2026 SBA 7(a) Loan Calculator
Estimate SBA 7(a) loan payment, interest, and guarantee fee before you apply.
Plan Financing2026 Cash Flow Calculator
Project cash flow, burn rate, and runway. Spot cash-short months early.
Avoid Shortfalls2026 AR Turnover Calculator
Measure receivables turnover and days sales outstanding (DSO).
Faster Collections2026 BC Tax Credits Estimator
Estimate BC Climate Action and GST/HST refundable tax credits (Canada).
BC · CRA2026 Business Line of Credit Calculator
Estimate available credit and interest cost on a revolving line of credit.
Flex Funding2026 Employer Payroll Tax Calculator
Estimate employer Social Security, Medicare, FUTA, and SUTA on payroll.
Hiring Cost2026 1099 vs W2 Take-Home Calculator
Compare take-home pay as a 1099 contractor vs a W2 employee for the same gross pay.
Contractor vs Employee2026 Small Business Profit Estimator
Estimate gross profit, operating income, and net profit before tax with margins.
Profit & Margin2026 Break-Even Calculator
Find your break-even point in units and revenue from fixed costs, price, and variable cost.
Pricing2026 Profit Margin & Markup Calculator
See profit margin, markup, and profit per unit — or solve for the price that hits your target margin.
Invoice PricingCash Runway Simulator
Simulate monthly burn to see exactly when your cash runs out and plan your runway.
RunwayHire vs Outsource Comparison
Compare employee vs contractor cost side by side for your small business.
ComparePrice Up vs Price Down Comparison
See whether raising or lowering your price earns more revenue at your sales volume.
PricingPricing Simulator
Find your break-even price and target profit across different price points.
Break-EvenRunway Reverse Calculator
Find your max monthly spend to hit a target runway with your current cash balance.
RunwayTarget Profit Reverse Calculator
Find the revenue you need to reach your profit goal at your current margin.
ProfitMarkup Calculator for Small Business | Cashbizly
Set a price from your cost and a markup percentage. See sale price, profit, and the resulting margin for freelancers and small businesses.
PricingProfit Margin Calculator | Cashbizly
Find your profit margin and markup from a sale price and unit cost. Check whether your pricing covers overhead before you sell.
ProfitabilityReverse Price Calculator (Target Margin) | Cashbizly
Reverse pricing tool: enter your cost and the margin you must earn, and see the exact sale price and profit per unit.
ReverseReverse Break-Even (Target Profit) Calculator | Cashbizly
Reverse break-even tool: enter a target profit and your contribution margin to see the exact revenue (and units) you must sell.
ReverseFreelance Hourly Rate Reverse Calculator | Cashbizly
Reverse rate tool for freelancers and 1099 contractors: enter the income you need, billable hours, and overhead to get the hourly rate that hits your goal.
ReverseRestaurant Menu Price Reverse Calculator | Cashbizly
Reverse menu-pricing tool for restaurants and cafes: enter ingredient cost and your target food-cost percentage to get the price that protects your margin.
ReverseContractor Bid Calculator (Reverse Margin) | Cashbizly
Reverse bid tool for contractors: enter labor, materials, and the margin you need to see the client price that protects profit.
ReverseDiscount & Markdown Calculator | Cashbizly
See the sale price, markdown dollars, and the new margin after a discount — for retail and promotion planning.
PricingPrice Change Test (Elasticity Simulator) | Cashbizly
Simulate the revenue impact of a price change and find the maximum volume drop you can absorb before revenue falls.
TestNet Burn Rate Calculator | Cashbizly
Calculate your monthly net burn and cash runway from cash on hand, inflows, and outflows — the number every small business must watch.
Cash FlowWorking Capital Calculator | Cashbizly
Compute working capital and the current ratio from current assets and liabilities — your short-term solvency check.
Cash FlowCash Conversion Cycle Calculator | Cashbizly
Measure the cash conversion cycle (CCC) from days inventory, receivables, and payables — shorten it to free cash without borrowing.
Cash FlowBusiness Emergency Fund Calculator (Reverse) | Cashbizly
Reverse tool: enter your monthly operating expenses and how many months of cushion you want to see the cash reserve to keep on hand.
Reverse12-Month Cash Flow Simulator | Cashbizly
Simulate a 12-month cash balance from starting cash, monthly revenue (with growth), and expenses — spot shortfall months before they hit.
TestLoan Payment & Amortization Calculator | Cashbizly
Estimate the monthly payment, total interest, and amortization of a term loan from principal, APR, and term.
FinancingEquipment Lease vs Buy Simulator | Cashbizly
Simulate total cost of leasing versus buying equipment over a term, including salvage value, to pick the cheaper path.
TestInvoice Financing Cost Calculator | Cashbizly
Estimate the cost and net advance of invoice financing from the fee rate, advance percentage, and term — before you factor a receivable.
FinancingDebt Service Coverage Ratio (DSCR) | Cashbizly
Calculate DSCR from net operating income and total debt service — the ratio lenders use to approve business loans.
FinancingAPR vs APY Calculator | Cashbizly
Convert a nominal APR to APY with a chosen compounding frequency — see how often interest compounds changes what you really pay or earn.
FinancingFully Loaded Employee Cost Calculator | Cashbizly
Compute the true cost of an employee from salary plus benefits, payroll tax, and overhead — the number behind every hiring decision.
PayrollOvertime Cost Calculator | Cashbizly
Estimate total payroll for regular and overtime hours at a chosen OT multiplier — plan staffing and crunch periods accurately.
PayrollBonus Gross-Up Calculator (Reverse) | Cashbizly
Reverse payroll tool: enter the net bonus you want an employee to receive and the tax rate to see the gross you must pay.
ReverseRevenue Needed to Cover a Hire (Reverse) | Cashbizly
Reverse tool: enter a new hire's loaded cost and your profit margin to see the added revenue required to break even on the hire.
ReverseBusiness Mileage Deduction Calculator | Cashbizly
Calculate your IRS business mileage deduction using the current standard mileage rate — for self-employed drivers, contractors, and small businesses.
TaxQBI Deduction Calculator (Section 199A) | Cashbizly
Estimate the Section 199A qualified business income deduction for pass-through entities, with the taxable-income threshold logic.
TaxSEP / SIMPLE Contribution Calculator | Cashbizly
Estimate the maximum SEP-IRA (and SIMPLE) retirement contribution for the self-employed from net earnings.
TaxLLC vs S-Corp Tax Comparison | Cashbizly
Compare self-employment tax between a default LLC (disregarded entity) and an S-Corporation election on the same profit.
TaxSection 179 Deduction Calculator | Cashbizly
Estimate the tax impact of a Section 179 first-year equipment deduction from the purchase cost and your tax rate.
TaxCustomer Acquisition Cost (CAC) Calculator | Cashbizly
Compute CAC from marketing spend and new customers — the metric that decides whether growth is profitable.
GrowthCustomer Lifetime Value (LTV) Calculator | Cashbizly
Estimate LTV from average order value, purchase frequency, lifespan, and margin — the other half of unit economics.
GrowthMax CAC from LTV:CAC (Reverse) | Cashbizly
Reverse growth tool: enter LTV and your target LTV:CAC ratio to see the maximum acquisition cost you can afford per customer.
ReverseMarketing ROI Calculator | Cashbizly
Calculate marketing ROI and net profit from campaign spend, attributed revenue, and your margin.
GrowthMax Ad Spend (Reverse) Calculator | Cashbizly
Reverse marketing tool: enter target campaign profit, attributed revenue, and margin to see the maximum ad spend that still hits your goal.
ReverseEconomic Order Quantity (EOQ) Calculator | Cashbizly
Compute EOQ — the order size that minimizes total inventory cost — from annual demand, order cost, and holding cost.
OperationsReorder Point Calculator | Cashbizly
Calculate the reorder point from daily demand, supplier lead time, and safety stock so you never stock out.
OperationsInventory Turnover Calculator | Cashbizly
Compute inventory turnover and days-in-inventory from COGS and average inventory — a key retail and ops efficiency metric.
OperationsFood Cost Percentage Calculator | Cashbizly
Compute food cost percentage from ingredient cost and menu price, and compare it to your target — for restaurants and cafes.
OperationsLabor Cost Percentage Calculator | Cashbizly
Compute labor cost as a percentage of revenue — the other half of restaurant and service profitability.
OperationsROI Calculator | Cashbizly
Calculate return on investment from gain and cost — the simplest profitability ratio for any business spend.
InvestmentPayback Period Calculator | Cashbizly
Estimate the payback period from an upfront investment and recurring monthly savings — a quick risk screen for CapEx.
InvestmentNPV Calculator (Net Present Value) | Cashbizly
Compute NPV of a multi-year investment from initial outlay, annual cash flow, and discount rate — the gold-standard capital-budgeting test.
InvestmentMaster Your 2026 Taxes with Expert Guides
Comprehensive, IRS-compliant guides written for 1099 contractors and freelancers.
2026 Self-Employed IRS Tax Rules
Complete guide to IRS rules for self-employed workers, 1099 contractors, and freelancers in 2026.
Read Guide →1099 Contractor Tax Deductions
Maximize tax deductions for 1099 contractors. Complete list of deductible expenses.
Read Guide →Quarterly Estimated Tax Guide
Avoid IRS late penalties with our complete guide to quarterly estimated taxes.
Read Guide →Home Office & Business Expense Deduction
Maximize home office and business expense deductions for self-employed workers.
Read Guide →Payroll & Independent Contractor Compliance
Stay compliant with payroll and independent contractor classification rules.
Read Guide →2026 Tax Tips & Updates
Fresh articles to help you navigate the 2026 tax season.
How Much Should 1099 Contractors Save for Taxes in 2026?
Calculate the right tax withholding ratio for 1099 contractors to avoid surprises.
8 min read2026-01-202026 IRS Quarterly Tax Deadlines for Self-Employed Workers
Complete guide to quarterly estimated tax deadlines and how to avoid penalties.
6 min read2026-01-25Home Office Deduction Simplified Method vs Regular Method 2026
Compare both methods to find which gives you the biggest tax deduction.
10 min read2026-02-01Common 1099 Tax Mistakes That Cost Freelancers Thousands
Avoid these expensive mistakes that cost self-employed workers thousands each year.
12 min read2026-02-05Do Freelancers Need to Pay Sales Tax on Online Services (2026)
Complete guide to sales tax obligations for freelancers selling online services.
9 min read2026-02-102026 Business Meal & Travel Deduction Rules for 1099 Workers
Updated rules for business meal and travel deductions for self-employed workers.
11 min readFrequently Asked Questions about 2026 Self-Employed Taxes
Self-employed workers should typically set aside 25-30% of their income for federal and state taxes. This covers income tax, self-employment tax (15.3%), and any state taxes. Our calculator can help you determine the exact amount based on your income.
The 2026 standard mileage rate for business use is 67 cents per mile. This rate is set annually by the IRS and can be used instead of calculating actual vehicle expenses.
Yes, 1099 contractors and self-employed workers are generally required to pay quarterly estimated taxes if you expect to owe $1,000 or more in taxes for the year. The deadlines are April 15, June 15, September 15, and January 15.
Self-employed workers can claim numerous deductions including: home office expenses, vehicle expenses, meals (50% deductible), travel, equipment, supplies, internet/phone, health insurance premiums, retirement contributions, and more. See our complete deduction guide for details.
Ready to Save on Your 2026 Taxes?
Use our free calculators and guides to maximize your deductions and avoid IRS penalties.