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Free Money Calculators & Side Hustle Tools

Every tool is free, instant, and works in your browser — no sign-up, no email required. Use them to price your work, plan taxes, and check whether a hustle is actually worth the hours.

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Compound Interest Calculator: Free Growth Tool

See how your money grows over time with the magic of compounding

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FIRE Number Calculator: What You Need to Retire Early

Calculate exactly how much you need invested to retire early and live off 4% withdrawals

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Hourly to Salary Calculator: Convert Your Pay Fast

Convert an hourly wage to annual, monthly, fortnightly, weekly and daily pay — or work backwards from a salary

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Side Hustle ROI Calculator: Is It Worth Your Time?

Work out what a side hustle really pays per hour once fees, costs, driving and self-employment tax come out

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Savings Rate Calculator: Years Until Financial Freedom

See how many years until you can retire based on your savings rate

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Self-Employment Tax Calculator (1099 & Side Hustle)

Estimate what to set aside for quarterly taxes on freelance and side hustle income

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Freelance Rate Calculator: What You Should Charge

Work backwards from your take-home goal to the hourly rate that actually gets you there

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Gig Driver Pay Calculator: Your Real Hourly Rate

Subtract fuel, vehicle wear, and taxes to see what rideshare and delivery actually pay

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Etsy Profit Calculator: Fees, Margin & Real Earnings

See what you actually keep per sale after listing, transaction, processing, and ad fees

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Rental Cash Flow Calculator: Monthly Profit & Cash-on-Cash

Run a rental deal in 60 seconds, including vacancy, maintenance, and management

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Dividend Income Calculator: Monthly Income From Investing

See what your portfolio pays now and what it could pay after years of contributions

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Creator Revenue Calculator: RPM, Sponsors, Affiliates

Estimate monthly creator income from ad RPM, sponsorships, and affiliate earnings

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Income Goal Calculator: How Fast Can You Earn It?

Enter a dollar goal and see how many weeks it takes at your pay rate and hours

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eBay Profit Calculator: Fees, Shipping & Net Profit (2026)

Free eBay profit calculator: enter sale price, item cost, shipping and promoted rate to see final value fees, net profit, margin and ROI

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PayPal Fee Calculator: What You Actually Receive

Work out fees both ways — what lands in your account, and what to invoice to net your full price

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Emergency Fund Calculator: How Much You Need

Target amount, current progress, and how long until you're fully funded

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Savings Goal Calculator: Hit Your Number by a Date

How long your current pace takes — and how much per month your deadline actually requires

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Mileage Deduction Calculator for Gig & Self-Employed Work

What your business miles are worth in real tax savings

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Service Pricing Calculator: Cleaning, Lawn, Detailing

Quote a price that pays you properly after helpers, supplies, driving, and taxes

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Print on Demand Profit Calculator (2026)

Profit per order, margin, and what your monthly volume really earns

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1099 Quarterly Tax Calculator (Self-Employed Estimator)

See what to set aside every quarter so tax season never surprises you

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Retirement Savings Calculator: Side Income Included

Project your balance at retirement and the income it could support

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Resale Fee Calculator: Poshmark, Mercari & Depop

Enter any platform's fee and see your real profit and return per item

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Free Short-Term Rental Calculator: Airbnb Monthly Income & Cash Flow

Enter nightly rate, nights booked, cleaning and fixed costs to get monthly Airbnb income and the cash flow left after every cost

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Car Sharing Earnings Calculator (Turo-Style Rental Income)

What renting your car out really pays after commission, insurance and wear

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Side Hustle Break-Even Calculator

How many sales until your startup spending is paid back

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Sponsored Post Rate Calculator for Creators

Work out what to quote a brand instead of guessing and undercharging

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Amazon FBA Profit Calculator (Fees, Margin & ROI)

See real profit per unit after referral, fulfilment, storage, and inbound shipping

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Subscription Audit Calculator: Your Instant Raise

Add up what your subscriptions cost and see what cancelling frees up

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Overtime vs Side Hustle Calculator: Which Pays More?

Compare take-home pay for the same hours before you commit your evenings

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1099 vs W-2 Calculator: Match Your Salary

Compare a contract hourly rate against a salaried job once benefits, time off, and self-employment tax are counted

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Tutoring Income Calculator: Real Pay Per Hour

Your rate, sessions, prep time, platform fees, and term-time weeks turned into a realistic yearly figure

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Teacher Hourly Pay Calculator: How Much Do Teachers Make an Hour?

Turn a teaching salary into pay per hour on contract hours, on the hours teachers really work, and over a full-time year — then add summer income

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House Cleaning Quote Calculator: What to Charge Per Job

Turn home size, your target hourly, supplies, and travel into a quote you can say out loud with confidence

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Vending Machine Profit Calculator: Payback Period

Sales volume, product cost, location commission, and restocking turned into weekly profit and months to break even

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Photography Pricing Calculator: What to Charge Per Session

Shoot time, editing hours, travel, and gear costs turned into a session price that actually pays you

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Notary Signing Agent Income Calculator: Real Pay Per Signing

Fee per signing minus printing, mileage, and drive time — the number that actually lands in your account

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Dog Boarding Rate Calculator: What to Charge Per Night

Nightly rate, occupancy, platform fees, and food costs turned into monthly take-home

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Laundromat Profit Calculator: Turns, Utilities, and Payback

Model a coin laundry before you buy it — machines, turns per day, utility cost, rent, and years to break even

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ATM Business Calculator: Route Profit and Payback

Surcharge income, the location's cut, processor fees, and the cash you have to tie up

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Junk Removal Pricing Calculator: Quote by Truck Load

Price by volume, subtract dump fees, fuel, and helper pay, and see your real hourly on each job

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House Sitting & Pet Sitting Income Calculator

Nightly rate, pet fees, platform cut and travel turned into real monthly take-home

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3D Printing Profit Calculator: Cost Per Print vs Sale Price

Filament, electricity, failed prints, packaging and marketplace fees — profit per print and per printer hour

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Babysitting Rate Calculator: What to Charge Per Hour

Base rate, extra children, travel, and hours turned into weekly and monthly income

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Thrift Flip Calculator: Should You Buy This Item to Resell?

Buy price, expected sale, fees and shipping — profit, return, and an honest verdict before you spend

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Newsletter Revenue Calculator: Sponsors + Subs

Turn list size, open rate and sponsor rates into real monthly income

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Event Staffing Pay Calculator: What a Shift Really Nets

Hourly rate, travel, parking and unpaid hours turned into real take-home

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Farmers Market Profit Calculator: Per-Stall Break-Even

Stall fees, cost of goods, travel and prep hours turned into profit per market

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Snow Removal Income Calculator: Season Profit Per Route

Price per driveway, snowfall events, fuel and equipment turned into season earnings

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Party & Bounce House Rental Profit Calculator

Booking price, delivery, cleaning hours and insurance turned into monthly profit and payback

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Email List Growth Calculator: Time to Your Goal

Traffic, signup rate and churn turned into a realistic timeline

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Work From Home Savings Calculator: Commute Costs

Fuel, parking, lunches and unpaid travel time turned into a yearly number

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Truck Hauling Calculator: What Hauling Jobs Really Pay

Job price, fuel, dump fees and helper pay turned into real hourly earnings

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Focus Group & Survey Income Calculator: The Real Hourly Rate

Payouts, screener time and acceptance rates turned into an honest hourly number

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Storage Unit Auction Calculator: Your Walk-Away Bid

Bid, buyer premium, cleanout and platform fees turned into real profit

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Food Truck Profit Calculator: Break-Even Orders Per Month

Sales, food cost, commissary rent and truck payments turned into monthly profit

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Airbnb Co-Host Income Calculator: What Managing Pays

Nightly rate, occupancy and your percentage turned into monthly income

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Dog Walking Income Calculator: What Walkers Really Earn

Turn walks per day, rates, app commission and driving into real take-home pay

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Car Detailing Price Calculator: What to Charge Per Job

Work out detailing prices from your hours, supplies and target hourly rate

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Rent Out Your Space Calculator: Garage, Driveway & Storage

See what unused square footage could pay each month after fees and insurance

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Weekend Side Hustle Calculator: What Two Days Can Pay

Plan Saturday and Sunday hours against a monthly goal, costs and tax

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Income Stack Calculator: Which Side Hustle Pays Best

Compare up to three income streams by real hourly rate and find what to cut

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House Cleaning Pay Calculator: Real Take-Home

Turn your price per clean, supplies, travel and tax into real monthly pay

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Furniture Flipping Profit Calculator

Check a piece pays before you load it into the car

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Virtual Assistant Rate Calculator: What to Charge Clients

Work backwards from your take-home goal to an hourly rate and retainer price

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Rent Out Your Car Calculator: Real Monthly Profit

Daily rate, platform fees, insurance, cleaning and wear — what's left over

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Freelance Runway Calculator: Can You Quit Yet?

How many months your savings last while your side income grows

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Weekly & Daily Pay to Hourly Calculator

Turn a day rate, weekly pay or biweekly paycheck into an hourly rate, a monthly figure and a yearly salary

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How Much to Invest for $X a Month Passive Income

Enter the monthly passive income you want and see how much money it takes, at the yield and tax rate you choose

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Part-Time Pay Calculator: Weekly, Monthly & Yearly

See what part-time hours pay per week, month and year — and how many hours a week a monthly target really takes

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Take-Home Pay Calculator 2026: Paycheck After Tax

Salary or hourly pay to take-home per paycheck, month and year, with 2026 federal brackets, Social Security, Medicare, 401(k) and state tax

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Pay Raise Calculator: New Salary, Hourly & Take-Home

Enter a percentage or dollar raise to see your new salary or hourly rate, the extra per paycheck, the extra you keep after tax, and the raise after inflation

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No Tax on Overtime Calculator: Your 2025–2028 Deduction

Estimate the federal overtime deduction for 2025–2028 and the income tax it saves, from your hourly rate, overtime hours and filing status

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50/30/20 Budget Calculator: Needs, Wants & Savings

Split your monthly take-home pay into needs, wants and savings, compare it with what you spend now, and try the 60/20/20 and 70/20/10 variations

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Net Worth Calculator: Assets, Debts & Your Trend

Add up what you own and what you owe to get your net worth, liquid net worth and debt-to-asset ratio, and save a monthly total to see the trend

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Rent to Income Ratio Calculator: 30%, 40× and 3× Rules

Enter a rent and your income to see your rent-to-income ratio, the share of take-home pay it takes, and whether it passes the 30% rule and the landlord 40× and 3× rules

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Debt Payoff Calculator: Debt-Free Date and Interest

Enter every debt with its balance, APR and minimum, add an extra monthly payment, and see your debt-free date, total interest and the month each debt is paid off

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Coast FIRE Calculator: When Can You Stop Saving?

Find the amount you need invested today so compound growth alone reaches your FIRE number by retirement, adjusted for inflation, and the age you get there

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Barista FIRE Calculator: Part-Time Work, Earlier Exit

See how much smaller your retirement target gets when part-time income covers some of your spending, and how many years sooner you can leave full-time work

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How Long Will My Money Last? Retirement Withdrawal Calculator

See how many years your savings last at a monthly withdrawal, adjusted for inflation, how much you can take for a set number of years, and how it compares with the 4% rule

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High-Yield Savings Calculator: Interest, Monthly Deposits and Tax

See what a high-yield savings account earns from an APY, with monthly deposits, interest after tax, and how much more it pays than a lower-rate account

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Roth IRA Calculator: Growth, 2026 Limits and Income Phase-Out

See what yearly Roth IRA contributions could grow to by retirement, the 2026 contribution limit for your age, and how much you can put in at your income

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Traditional vs Roth IRA Calculator: Which Leaves You More After Tax?

Compare a deductible Traditional IRA with a Roth IRA on the same slice of pay, using your tax rate now and the rate you expect in retirement

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401(k) Contribution Calculator 2026: Per Paycheck, Match and Max Out

See what your 401(k) percentage comes to per paycheck, how much your employer's match adds, and the percentage that maxes out the 2026 limit

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HSA Contribution Calculator 2026: Limit, Partial Year and Tax Saved

Work out your 2026 HSA limit for self-only or family coverage, a partial year or age 55+, what's left after your employer's contribution and the tax it saves

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CD Calculator: Interest Earned, APY and Early Withdrawal Cost

See what a certificate of deposit pays at maturity from its APY or interest rate, the interest after tax, and roughly what breaking it early would cost

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Simple Interest Calculator: I = P × r × t With Examples

Work out simple interest on a deposit or loan for any number of years, months or days, and see how it compares with compound interest at the same rate

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Future Value Calculator: Lump Sum, Regular Payments and Inflation

Find what a starting amount plus regular deposits grows to at a rate you choose, with payments at the start or end of each period and the result in today's dollars

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Time Value of Money Calculator: Solve for FV, PV, PMT, N or Rate

Enter four of the five time-value-of-money inputs and solve for the fifth — the monthly saving needed for a goal, the years it takes, the rate it needs, or what it grows to

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Stock Profit Calculator: Gain, Return % and Break-Even Price

Enter shares, buy and sell prices and commissions to see the profit or loss, the percentage return, the break-even sell price and an estimate of tax on the gain

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Stock Average Calculator: Average Cost per Share and Averaging Down

Add each purchase to get your average cost per share, and work out how many shares at today's price would move that average to a target

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DRIP Calculator: Dividend Reinvestment Growth Over Time

See how reinvesting dividends adds shares, compares with taking dividends as cash, and changes your yearly dividend income, with dividend growth and price change as your own inputs

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Cap Rate Calculator: Net Operating Income and Property Value

Work out a rental property's net operating income and capitalization rate from rent, vacancy and operating expenses, and the price that matches a target cap rate

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IRR Calculator: Internal Rate of Return and NPV of Cash Flows

Enter an investment's cash flows period by period to find the internal rate of return, and the net present value at a discount rate you choose

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Rental Property Depreciation Calculator: 27.5-Year Schedule

Work out your depreciable basis, the first-year deduction for the month you placed the rental in service, the yearly write-off and the full schedule

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BRRRR Calculator: Cash Left in the Deal, Cash Flow and Return

Buy, rehab, rent, refinance, repeat: see how much of your cash the refinance pays back, the new payment, monthly cash flow and cash-on-cash return

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Options Profit Calculator: Calls and Puts at Expiration

Enter the strike, the premium you paid and the number of contracts to see the profit or loss, the break-even stock price and the most you can lose on a call or put you bought

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Lottery Payout Calculator: Lump Sum vs Annuity After Taxes

Enter the jackpot and the cash value to compare the lump sum after federal and state tax with 30 annuity payments, year by year and in today's money

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Social Security Break-Even Calculator: Claim at 62, 67 or 70?

Compare two claiming ages: the monthly benefit at each, running totals by age, and the age at which waiting pays off, using the reduction and delayed-credit rules in SSA's regulations

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Roth Conversion Calculator: Tax Now vs Tax-Free Later

See the federal and state tax on converting a traditional IRA to a Roth this year with the 2026 brackets, how much room is left in your bracket, and whether converting comes out ahead

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How Much Do Nurses Make an Hour? RN Pay Calculator (2026)

BLS median, percentile and state-by-state RN pay, with overtime, shift differentials and take-home after 2026 tax

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How Much Do Police Officers Make a Year? Police Salary Calculator

BLS median and percentile pay for patrol officers in every state, with 7(k) overtime and take-home after 2026 tax

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How Much Do Firefighters Make a Year? Firefighter Salary Calculator

BLS firefighter pay by percentile and state, what a 24-on/48-off schedule does to the hourly rate, and take-home after 2026 tax

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How Much Do Truck Drivers Make a Year? Truck Driver Pay Calculator

BLS pay for heavy and tractor-trailer drivers by percentile and state, a per-mile pay converter, and take-home after 2026 tax

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How Much Do Plumbers Make? Plumber Salary & Hourly Pay Calculator

BLS plumber pay an hour and a year by percentile and state, apprentice to master, with overtime and take-home after 2026 tax

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How Much Do Electricians Make? Electrician Salary & Hourly Calculator

BLS electrician pay a year and an hour by percentile and state, apprentice to journey-level, with overtime and take-home after 2026 tax

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How Much Do Pharmacists Make a Year? Pharmacist Salary Calculator

BLS pharmacist pay a year and an hour by percentile, state and setting, with take-home after 2026 tax

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How Much Do Linemen Make a Year? Lineman Salary Calculator

BLS pay for electrical power-line installers by percentile, state and employer, with storm overtime and take-home after 2026 tax

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How Much Do CNAs Make an Hour? Nursing Assistant Pay Calculator

BLS pay for certified nursing assistants by percentile, state and workplace, with shift differentials, overtime and take-home after 2026 tax

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How Much Do Welders Make an Hour? Welder Pay Calculator

BLS welder pay an hour and a year by percentile, state and industry, with overtime and take-home after 2026 tax

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How Much Do Medical Assistants Make an Hour? MA Pay Calculator

BLS medical assistant pay by percentile, state and workplace, with overtime and take-home after 2026 tax

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How Much Do Dental Hygienists Make an Hour? Hygienist Pay Calculator

BLS dental hygienist pay by percentile and state, part-time and multi-office schedules, and take-home after 2026 tax

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How Much Do Pilots Make a Year? Airline Pilot Salary Calculator

BLS airline pilot pay at every level and by state, what it works out to per flight hour, and take-home after 2026 tax

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How Much Do Flight Attendants Make a Year? Flight Attendant Pay Calculator

BLS flight attendant salary at every level and in the states BLS reports, pay per flight hour, and take-home after 2026 tax

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How Much Do Lawyers Make a Year? Lawyer Salary Calculator

BLS lawyer salaries at every level and in every state, government vs law-firm pay, salary per hour worked and take-home after 2026 tax

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How Much Do Vets Make a Year? Veterinarian Salary Calculator

BLS veterinarian pay at every level and in every state, salary per hour on long clinic weeks, and take-home after 2026 tax

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How Much Do Dentists Make a Year? Dentist Salary Calculator

BLS general dentist pay at every level and by state, what part-time and long weeks do to the hourly value, and take-home after 2026 tax

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How Much Do Ultrasound Techs Make a Year? Sonographer Pay Calculator

BLS sonographer pay at every level and in every state, hospital vs clinic pay, overtime and take-home after 2026 tax

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How Much Do Nurse Practitioners Make a Year? NP Salary Calculator

BLS nurse practitioner pay at every level and in every state, salaried vs hourly rules, and take-home after 2026 tax

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How Much Do Psychologists Make a Year? Psychologist Salary Calculator

BLS clinical and counseling psychologist pay at every level and in every state, part-time pay and take-home after 2026 tax

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How Much Do Air Traffic Controllers Make a Year? ATC Salary Calculator

BLS air traffic controller pay at every level and by state, shift rules, early retirement and take-home after 2026 tax

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How Much Do LPNs Make an Hour? LPN Pay Calculator (2026)

BLS LPN and LVN hourly pay at every level and in every state, shift differentials, overtime and take-home after 2026 tax

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How Much Do Physician Assistants Make a Year? PA Salary Calculator

BLS physician assistant pay at every level and in every state, employer differences, on-call schedules and take-home after 2026 tax

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How Much Do Physical Therapists Make a Year? PT Salary Calculator

BLS physical therapist pay at every level and in every state, home health vs clinic pay, part-time hours and take-home after 2026 tax

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How Much Do Phlebotomists Make an Hour? Phlebotomy Pay Calculator

BLS hourly pay for phlebotomists at every level and in every state, hospital vs lab pay, overtime and take-home after 2026 tax

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How Much Do Pharmacy Techs Make an Hour? Pharmacy Technician Pay

BLS pharmacy technician pay by state and percentile, hospital vs drugstore pay, part-time hours and take-home after 2026 tax

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How Much Do Dental Assistants Make an Hour? Dental Assistant Pay

BLS dental assistant pay in every state and at every level, with overtime and take-home after 2026 tax

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How Much Do EMTs Make an Hour? EMT Pay Calculator by State

BLS emergency medical technician pay at every level and in every state, ambulance vs fire department pay, long shifts and take-home after 2026 tax

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How Much Do Paramedics Make a Year? Paramedic Salary Calculator

BLS paramedic salaries in every state and at every level, fire department vs ambulance pay, long shifts and take-home after 2026 tax

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How Much Do Radiology Techs Make a Year? X-Ray Tech Salary Calculator

BLS radiologic technologist pay in every state, percentile pay, hospital vs outpatient pay and take-home after 2026 tax

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How Much Do Surgical Techs Make a Year? Surgical Technologist Pay

BLS surgical technologist pay by state and percentile, on-call and shift differentials, overtime and take-home after 2026 tax

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How Much Do HVAC Technicians Make? HVAC Salary Calculator by State

BLS HVAC tech pay in every state and at every level, peak-season overtime, apprentice to top pay and take-home after 2026 tax

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How Much Do Architects Make a Year? Architect Salary Calculator

BLS architect salaries in every state and at every level, government vs firm pay, salary per hour at deadline weeks and take-home after 2026 tax

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How Much Do Mechanics Make an Hour? Auto Mechanic Pay Calculator

BLS auto mechanic pay in every state, dealership vs independent shop pay, flat-rate pay converter and take-home after 2026 tax

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How Much Do Accountants Make a Year? Accountant Salary Calculator

BLS accountant and auditor salaries by state and percentile, tax-season hours, industry pay and take-home after 2026 tax

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How Much Do Respiratory Therapists Make? RT Salary Calculator

BLS respiratory therapist pay in every state and at every level, night differentials, overtime and take-home after 2026 tax

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How Much Do CRNAs Make? Nurse Anesthetist Salary Calculator

BLS nurse anesthetist salaries in every state and at every level, what long weeks do to pay per hour, and take-home after 2026 tax

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How Much Do Optometrists Make? Optometrist Salary Calculator

BLS optometrist salaries by state and pay level, retail vs private practice pay, salary per hour and take-home after 2026 tax

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How Much Do Occupational Therapists Make? OT Salary Calculator

BLS occupational therapist pay in every state, school vs home health pay, part-time hours and take-home after 2026 tax

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How Much Do Chiropractors Make? Chiropractor Salary Calculator

BLS chiropractor pay for employed chiropractors in every state, part-time hours, the pay ladder and take-home after 2026 tax

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How Much Do Carpenters Make an Hour? Carpenter Pay Calculator

BLS carpenter pay in every state, commercial vs residential pay, what weather weeks cost and take-home after 2026 tax

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How Much Do Speech Pathologists Make? SLP Salary Calculator

BLS speech-language pathologist pay in every state, school vs healthcare pay, salary per hour and take-home after 2026 tax

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How Much Do Mail Carriers Make? Mail Carrier Pay Calculator

BLS postal mail carrier pay in every state and at every level, what weekly overtime adds and take-home after 2026 tax

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How Much Do Correctional Officers Make? CO Salary Calculator

BLS correctional officer and jailer pay in every state, state vs county vs federal pay, 7(k) work periods and take-home after 2026 tax

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How Much Do Elevator Mechanics Make? Elevator Mechanic Salary

BLS elevator and escalator mechanic pay by state and level, apprentice starting pay, overtime and take-home after 2026 tax

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How Much Do Actuaries Make? Actuary Salary Calculator by State

BLS actuary salaries in every state BLS reports, insurance vs consulting pay, salary per hour and take-home after 2026 tax

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How Much Do Court Reporters Make? Court Reporter Salary Calculator

BLS court reporter and captioner pay by state and level, court vs agency pay, freelance comparisons and take-home after 2026 tax

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How Much Do Physical Therapist Assistants Make? PTA Pay Calculator

BLS PTA pay in every state and at every level, home health vs clinic pay, part-time hours and take-home after 2026 tax

Not sure where to start?

Answer ten quick questions and get a personalized income plan built around your skills, hours, and goal — free, no account needed.

Build my income plan

Every calculator here is free, runs instantly in the browser, and needs no account. They exist because the hardest part of any income decision is not finding the idea — it is working out what the idea actually pays after fees, taxes and the hours it eats.

Start with what you are trying to decide

If you are comparing a job offer against freelancing, start with the hourly-to-salary converter and then the freelance rate calculator — the second exists because employed and self-employed pay are not comparable numbers. If you are deciding whether a side hustle is worth continuing, the side hustle ROI calculator divides profit by hours so you can see your real effective rate. If you are planning rather than deciding, the FIRE number and compound interest calculators work on the other end of the timeline.

Paycheck, raise and household budget

Six tools start from the paycheck rather than a side hustle. The take-home pay calculator applies the 2026 federal brackets, Social Security, Medicare, a 401(k) and your state rate to a salary or hourly wage. The pay raise and overtime calculators turn a percentage or an hour count into money per paycheck, including the 2025–2028 overtime deduction. The 50/30/20 budget, rent affordability and net worth calculators take that take-home figure and show where it goes — and every calculator on the site can now save a scenario in your browser, share it as a link or print the result.

The fee calculators matter more than people expect

Platform fees are the most commonly ignored line in side-hustle maths. The eBay, PayPal, Etsy and Airbnb calculators exist because a listing price is not revenue: between platform commission, payment processing, shipping and refunds, the gap between what a buyer pays and what lands in your account is routinely 20% to 35%. Run the numbers before you set a price, not after your first payout.

Tax is the other missing line

Self-employment income is taxed differently from wages, and the difference is large enough to change whether a gig is worth doing. The self-employment tax calculator covers the part most people miss — that you pay both halves of FICA when nobody employs you — and the mileage deduction calculator covers the deduction most delivery and rideshare drivers underclaim. Neither is tax advice, but both will tell you whether your mental estimate is in the right postcode.

A note on the numbers

Every calculator states its assumptions on the page. Where a figure depends on something we cannot know — your state, your filing status, your platform's current fee schedule — the calculator asks rather than guessing, and the default is a common case rather than a best case. These are planning tools, not quotes, and none of them is a substitute for an accountant on a decision that matters.

Reference and definitions

Two places to go when a calculator asks for something you would rather not guess at: the pay conversions work any rate, salary or monthly figure into every other pay period, and the glossary defines the terms with the arithmetic behind them rather than a dictionary line.

Frequently asked questions

Are these calculators free?

Yes. Every calculator runs in your browser with no account, no email and no paywall. Nothing is held back behind a signup.

Which calculator should I use first?

It depends what you are deciding. Comparing pay: hourly to salary, then the freelance rate calculator. Judging whether a hustle is worth the hours: side hustle ROI. Planning long term: FIRE number and compound interest.

Do the calculators account for taxes?

Some do explicitly — the self-employment tax and mileage deduction calculators are built for it. Others return gross figures and say so on the page. For wages, the take-home pay calculator applies 2026 federal brackets, FICA and your state rate; self-employed take-home is lower once both halves of FICA are counted.

Why is the freelance rate so much higher than the equivalent salary?

Because an employed hourly rate is subsidised. As a freelancer you cover both halves of payroll tax, your own benefits, unpaid holiday, unpaid sick leave and unbillable time between contracts. Roughly double is the usual rule of thumb, and the calculator shows you the components rather than just the multiplier.