Know what you actually keep.
Free calculators and plain-English guides that turn freelance rates, 1099 income, and quarterly taxes into numbers you can plan around. Educational estimates, zero jargon.
- No signup
- Runs in your browser
- Formulas shown on every tool
Quick take-home check
46 billable weeksSix tools for the money questions
freelancers actually ask
Each one runs instantly as you type, explains its assumptions, and links to a guide that goes deeper.
Freelance Rate Calculator
Turn a desired annual take-home into the hourly rate you need after taxes and expenses.
Open calculator1099 vs W-2 Compare
See how a freelance rate stacks up against a salary once taxes and overhead come out.
Open calculatorQuarterly Tax Estimate
A rough quarterly set-aside from expected annual profit and your effective rate.
Open calculatorInvoice Calculator
Subtotal, discount, tax, and late fee: get a clean amount due in seconds.
Open calculatorHourly ↔ Salary Converter
Convert either direction with your own hours per week and weeks per year.
Open calculatorTax Set-Aside Planner
Profit × your chosen % → monthly, quarterly, and weekly savings targets.
Open calculatorPick your question
What should I charge? How much do I set aside? Is this contract better than my salary?
Drag the sliders
Use your own hours, weeks, and tax cushion. Results update instantly, right in your browser.
Understand the number
Every tool shows its formula, and our guides explain the concepts behind it in plain English.
Plain-English explainers
Self-Employment Tax Explained
Why freelancers cover Social Security and Medicare differently than W-2 employees.
How Much to Charge as a Freelancer
Build a rate from take-home goals, billable hours, and a tax/expense cushion.
How Much to Set Aside for Taxes (%)
Practical percentage ranges and how to refine them with profit math.
Quarterly Estimated Taxes for Freelancers
What estimated taxes are for and how people commonly plan cash flow.
Freelance Rate vs Salary: Real Cost
All-in employment vs freelance costs — taxes, benefits, PTO, and utilization.
When to Quit Your Job for Freelance
Money and runway checkpoints before leaving a W-2 role.
Freelance money math, without the sales pitch.
A freelance rate looks generous until self-employment tax, unpaid admin hours, and missing benefits show up. TakeHomeLab turns those surprises into clear, adjustable numbers — so you can price your work and plan your taxes with a little more confidence.
- Free & ad-supportedDisplay ads keep the tools free. Ads never change calculator formulas.
- Assumptions in the openEvery tool explains its method and limitations.
- Educational, not adviceWe’re not a CPA or tax preparer. Verify with a pro and current IRS guidance.