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Let's make freelance taxes a lot less painful

No jargon, no legalese. Clear answers on deductions, quarterly payments, and how 1099 workers keep more of what they earn.

Q3 Estimated PaymentSeptember 15, 2026
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What can we help you with?

Guides, comparisons, and tools for every part of your freelance life — all through a tax lens.

Getting Started

New to freelancing? Start here.

Freelance Taxes

1099s, quarterly payments, Schedule C

Deductions

Every write-off you can legally claim

Tools & Software

Invoicing, bookkeeping, mileage

Business Setup

LLC vs S-Corp, EIN, banking

Retirement & Health

Solo 401k, SEP, HSA, insurance

Getting Paid

Invoicing, contracts, late payments

Niche Guides

Rideshare, design, writing, dev

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The sources we follow for IRS updates, policy shifts, and self-employment news.

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Calculators built for 1099 workers

Free, no signup, no email gate — just punch in your numbers.

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Tax tool
Self-Employment Tax Calculator

Estimate the 15.3% SE tax on your freelance net income — Social Security and Medicare combined.

Open calculator →
Tax tool
Quarterly Estimated Tax Calculator

Project your four 1040-ES payments based on expected income and deductions.

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Business
Freelance Rate Calculator

Find the minimum hourly rate you need to charge to hit your income target.

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Freelance software we actually recommend

Independently reviewed — nobody pays for placement here.

See the full comparison →
FreshBooks
Service-based freelancers

Clean invoicing, time tracking, and expenses. The workflow is built around billable hours — not product inventory.

From $19/moVisit site →
Bonsai
Solo consultants

Proposals, contracts, invoicing, and time tracking in one tool — with e-sign templates worth the price alone.

From $21/moVisit site →
QuickBooks Self-Employed
Tax-ready bookkeeping

Automatic quarterly estimates, mileage tracking, and a Schedule C export that saves hours at filing time.

From $15/moVisit site →
Wave
Brand-new freelancers

Free forever plan with unlimited invoices and basic accounting. Pay-as-you-go processing when you're ready.

Free · Pay-as-you-goVisit site →
Planning Ahead

Retirement, health & the full-stack freelancer

Three moves that quietly save 1099 workers thousands a year.

Solo 401(k)
Stash up to $70,000 a year — as employee and employer

A one-person 401(k) is the highest-limit retirement account a freelancer can open. Here's how to set it up and fund it before year-end.

Read the guide →
Self-Employment Tax
15.3% on top of income tax — until the right entity changes the math

Once freelance profit clears ~$40K, an S-Corp election can cut self-employment tax meaningfully. Calculate what you'd save.

SE Tax Calculator →
HSA & Health Insurance
Triple tax advantage — and freelancers can deduct premiums too

A high-deductible plan + HSA is one of the best deals in the tax code for self-employed workers. Figure your contribution ceiling.

HSA Calculator →
See all retirement & health guides →
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Dig Deeper

Worth reading right now

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Freelance Taxes1099 Income Tracker App: How to Choose the Best Tool for Freelance TaxesA 1099 income tracker app automates freelance bookkeeping, tracks mileage and expenses, and generates tax-ready reports....Freelance TaxesBest Tools for Tracking 1099 Income for Gig WorkersTrack every dollar of 1099 income with the right tools—from free spreadsheets to automated software. Stay organized, low...Freelance TaxesHow to Handle Estimated Tax Payments When Your Freelance Income Is Wildly InconsistentLearn how to calculate quarterly estimated taxes when freelance income fluctuates—using safe harbor rules and Form 2210'...Freelance TaxesHow to Handle a State Tax Audit as a Freelancer Who Moved Mid-Year: Nexus Rules, Allocation Formulas, and What Records You Actually NeedMoving states mid-year as a freelancer creates complex tax obligations. Learn nexus rules, income allocation formulas, a...DeductionsHow to Write Off Business Meals as a Freelancer in 2024: What Counts as 50% vs. 100% DeductibleLearn which business meals qualify for 50% or 100% deductions, how to document them correctly, and avoid common mistakes...DeductionsHow to Deduct Your Car as a Freelancer: Standard Mileage vs. Actual Expenses and When Switching Methods Makes SenseLearn how to deduct business vehicle expenses using standard mileage or actual expenses, when you can switch methods, an...
New to freelancing

Your first 1099, quarterly taxes, and what to deduct — all in one place

A starter path for new freelancers: what forms you'll get, what you'll owe, and the deductions worth tracking from day one.

Read the starter guide →

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1099Freelance provides free educational tax and business information for independent workers. We are not CPAs or licensed tax professionals. Nothing on this site is professional advice. Consult a qualified tax professional for guidance specific to your situation.