Compliance-first finance tools

Build your freelancer money plan in 5 minutes

Estimate what to set aside, what to charge, and what to invoice as a US freelancer, with legal guardrails visible throughout the workflow.

Results are informational estimates only and are not tax, legal, or financial advice.

Build my money plan Get free checklist

Estimate tax reserve

Model estimated SE tax, federal tax, state tax, and quarterly reserve.

Price the work

Translate income goals and billable hours into a planning rate.

Send the invoice

Generate a client-ready invoice PDF locally in the browser.

Planning workspace

Estimated total tax

$21,793

Schedule SE style model

2026

Gross income

input

$95,000

Expenses

deductible

$18,400

Estimated total tax

result

$21,793

Quarterly reserve

planning

$5,448

Invoice privacy

Local

PDF generation stays client-side with no invoice content transmitted.

Consent state

AnalyticsGated

Ad scriptsGated

Estimates only. IRS source links and CPA disclaimers remain attached to results.

IRS-linkedClient-side invoicesConsent-gatedIRS-linkedClient-side invoicesConsent-gatedIRS-linkedClient-side invoicesConsent-gatedIRS-linkedClient-side invoicesConsent-gated

Outcome, not calculators

Go from scattered freelance math to one estimated money plan

1099desk packages the highest-friction freelancer decisions into a practical flow: estimated tax reserve, pricing targets, income-path comparison, and private invoicing. The goal is clarity before income, expenses, and client work become harder to untangle.

Set aside

Estimated tax reserve

Charge

Planning rate targets

Invoice

Client-ready PDF

IRS-linked

2026 source citations travel with each tax estimate

Client-side invoices

PDF creation stays in the browser by design

Consent-gated

Analytics and ads wait for cookie consent

Built for shareable decisions

These tools are framed around emotional questions: charge more, save enough, compare offers, and avoid surprise cash-flow stress.

What should I charge to net $100k?

Turn an income goal into an estimated hourly rate.

Open calculator

1099 vs W2: which may pay more?

Compare contractor and employee scenarios side by side.

Open calculator

How much should I save from every invoice?

Estimate quarterly reserves before cash gets messy.

Open calculator

Tool suite

Choose the next decision to model

Every calculator keeps the disclosure, IRS source label, and last-updated date inside the workflow. The interface is designed for repeated, practical use.

Freelancer operating layer

Tax planning

Pricing math

Private invoicing

Self-employment tax calculator

Estimate SE tax, income tax, state tax, and quarterly payments.

Open tool

Quarterly estimated tax calculator

Plan estimated quarterly payments using 2026 IRS assumptions.

Open tool

Freelance hourly rate calculator

Translate income goals and billable hours into a planning rate.

Open tool

Invoice generator

Generate an invoice PDF locally in your browser without server transmission.

Open tool

Project profit margin calculator

Estimate project margin after costs, labor, and tax reserve.

Open tool

Retainer vs hourly calculator

Compare recurring retainers with hourly billing scenarios.

Open tool

1099 vs W2 calculator

Compare estimated contractor and employee net value.

Open tool

Legal disclosure center

Review affiliate, cookie, terms, and privacy language before launch campaigns.

Monetization-ready kit

1099desk Pro Kit

A planned paid toolkit for freelancers who want reusable templates alongside the free calculators: invoice templates, CPA prep checklist, quarterly payment tracker, deduction organizer, and pricing prompts.

Join the launch list

Quarterly payment tracker

CPA prep checklist

Client pricing worksheet

Invoice and follow-up scripts

Deduction organizer

Rate-raise prompt library

Get the 2026 Freelancer Tax & Pricing Checklist

Get the quarterly due date calendar, tax reserve checklist, invoice prep list, and pricing prompts. ConvertKit double opt-in is enabled. We collect your email only to send requested updates.

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