About

Free tools, no account, no tracking.

Freelancer Money Calculators is a free set of money tools built for freelancers, gig drivers, and independent contractors — people whose income doesn't arrive in a neat paycheck and whose tax bill doesn't get handled by an employer.

The tools

• Quarterly estimated tax — how much to set aside each quarter so April doesn't hurt.
• Required hourly rate — the rate that actually covers your costs, taxes, and time off.
• Gig-driver real profit — what a driving shift pays after gas, wear, and fees.
• Irregular-income emergency fund — the cash buffer that fits lumpy income.
• Quit-your-job runway — how many months your savings last once you go independent.
• Late-client cost — what an overdue invoice really costs you in cash flow and time.

How it works

Everything runs in your browser. There's no account, no sign-up, and nothing you type into a calculator is sent to us or anyone else — the math happens on your device and stays there.

What this site is not

We're not accountants, lawyers, or financial advisors. Every result is an estimate for planning purposes only, not tax, legal, or financial advice. Tax figures exclude state and local taxes unless you add them yourself, and real outcomes depend on details no calculator can see. When the stakes are high, talk to a licensed professional.