For freelancers, solo operators & remote workers
Make better freelance decisions.
Research-backed guides, calculators and practical frameworks for money, tools and remote work, with the numbers, assumptions and sources shown.
Free tool · US · 2026
How much self-employment tax will you owe?
Start here
Four guides worth reading first
Freelance Finance
Self-Employment Tax Explained
It is not 15.3% of your profit. Here is the real formula, a worked example, the 2026 Social Security cap, and how to price your work so the tax does not surprise you.
Freelance Finance
Solo 401(k) vs. SEP IRA
On the same income, one plan can shelter far more than the other. Here are the 2026 limits, the real formulas, and a side-by-side calculation at four income levels.
Freelance Finance
How to Price Freelance Services
Dividing a salary by 2,080 hours can leave you undercharging. Here is a step-by-step formula for a sustainable rate, how utilisation changes it, and how to choose between hourly, project and retainer pricing.
Freelance Finance
Quarterly Estimated Taxes for Freelancers
Clients generally do not withhold tax from your payments, so the IRS expects it in instalments. Here are the 2026 due dates, the safe-harbor rules that prevent penalties, and a simple saving system.
Topic pathways
Three areas, one decision at a time
Freelance Finance
Taxes, insurance, retirement, pricing and getting paid: the money side of working for yourself.
- How to Price Freelance Services
- Quarterly Estimated Taxes for Freelancers
- Self-Employment Tax Explained
Remote Work
Working across borders: getting paid internationally, tax residency and the real cost of a workspace.
- Getting Paid by International Clients
- Sending and Receiving International Payments as a Freelancer
- Tax Residency for Digital Nomads
Reading paths
Follow a topic from start to finish
Recently updated
Guides we changed recently
- Freelance FinanceHow to Price Freelance Services
- Freelance FinanceQuarterly Estimated Taxes for Freelancers
- Remote WorkSending and Receiving International Payments as a Freelancer
- Freelance FinanceSolo 401(k) vs. SEP IRA
- Freelance FinanceHow to Invoice Clients and Get Paid Faster
- Freelance FinanceSelf-Employment Tax Explained
How we work
Built to be checked, not just read
Named, accountable people
Guides are written and researched by Aftab Ahmad, founder and publisher, and editorially reviewed by M. Arshmaan, senior editor. Each guide shows who reviewed it and when.
Sources you can follow
We cite government agencies, regulators and official documentation first. Practical worked examples run throughout our guides, and invented figures are labelled as illustrations.
Clear limits
Guides explain options; they are not personal advice. Tax, insurance and legal guides say whether a licensed professional has reviewed them. Read our editorial policy.