Business & Self-Employed

Self-employment tax, LLC vs S-Corp, payroll, break-even, and business finance calculators.

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Self-Employment Tax Calculator 2026 — SE Tax & Quarterly Payments

2026

Calculate SE tax, quarterly estimated payments, and total tax burden for freelancers and 1099 contractors. Free, instant results based on 2026 IRS rates.

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LLC vs S-Corp Tax Comparison Calculator

Compare tax liability as an LLC vs S-Corp. See how much you can save on self-employment tax with an S-Corp election.

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W-2 vs 1099 Comparison Calculator

Compare take-home pay as a W-2 employee vs 1099 contractor. Find the equivalent 1099 rate to match your W-2 salary.

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Quarterly Estimated Tax Calculator

2026

Calculate quarterly estimated tax payments for self-employed and freelancers. Includes safe harbor calculation to avoid penalties.

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IRS Mileage Reimbursement Calculator

Calculate mileage reimbursement at 2026 IRS standard rates for business, medical, and charity driving.

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Break-Even Calculator

Calculate the break-even point in units and revenue for your business with fixed and variable costs.

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Profit Margin Calculator

Calculate gross profit margin, markup percentage, and selling price from cost and margin inputs.

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Markup Calculator

Calculate selling price from cost and desired markup percentage. See gross margin comparison.

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Invoice Calculator

Calculate invoice totals with line items, tax, discount, and payment terms.

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Depreciation Calculator (MACRS)

Calculate MACRS and straight-line depreciation schedules for business assets by useful life.

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Section 179 Deduction Calculator

2026

Calculate Section 179 tax deduction for business equipment purchases. 2026 limit: $2,560,000.

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Business Valuation Calculator

Estimate business value using revenue multiples, earnings multiples, and asset-based methods by industry.

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Customer Acquisition Cost (CAC) Calculator

Calculate CAC, LTV, and LTV:CAC ratio. See if your customer economics are healthy.

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Startup Burn Rate Calculator

Calculate startup burn rate and runway. See how many months of cash you have left.

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Meeting Cost Calculator

Calculate the true cost of meetings based on attendee salaries and duration. See annual cost of recurring meetings.

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SBA 7(a) Loan Calculator

Calculate SBA loan payments with guarantee fee. Compare SBA vs conventional loan rates.

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Employee Cost Calculator

Calculate the true total cost of hiring an employee including benefits, taxes, and overhead.

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Labor Cost Calculator

Calculate total labor cost per employee and team with overhead, benefits, and burden rate.

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Franchise Cost Calculator

Estimate total franchise cost including fee, investment, ongoing royalties, and break-even revenue.

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Google AdSense Revenue Calculator

Estimate AdSense earnings from pageviews and RPM. See daily, monthly, and annual revenue projections.

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YouTube Money Calculator

Estimate YouTube earnings from views, CPM, and sponsorships. See monthly and annual creator income.

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Etsy Seller Fee Calculator

Calculate Etsy listing, transaction, and payment processing fees. See net revenue per sale.

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Amazon FBA Fee Calculator

Calculate Amazon fulfillment, referral, and storage fees. See profit per unit and monthly projections.

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eBay Fee Calculator

Calculate eBay final value and payment processing fees. See net revenue with store subscription savings.

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Workers Compensation Calculator

Estimate workers compensation insurance premium by industry class, payroll, and experience modifier.

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Employer Payroll Tax Calculator

Calculate total employer payroll tax burden including FICA, FUTA, and state SUTA per employee.

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FTE (Full-Time Equivalent) Calculator

Calculate FTE count from employee hours. Check ACA applicable large employer status (50+ FTEs).

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Employee Turnover Cost Calculator

Estimate the cost of replacing an employee including recruiting, training, and lost productivity.

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Cost Per Hire Calculator

Calculate cost per hire from total recruiting expenses. Compare to industry average of $4,700.

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Late Fee / Overdue Invoice Calculator

Calculate late fees on overdue invoices with flat fee or interest rate methods.

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Current Ratio Calculator

Calculate current ratio and quick ratio to assess business liquidity.

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Cash Flow Calculator

Track personal or business cash flow from multiple income sources and expense categories.

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Inventory Turnover Calculator

Calculate inventory turnover ratio and days in inventory from COGS and inventory levels.

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Accounts Receivable Turnover Calculator

Calculate AR turnover and days sales outstanding (DSO) to measure collection efficiency.

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Working Capital Calculator

Calculate working capital, current ratio, and quick ratio to assess business liquidity.

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EBITDA Calculator

Calculate EBITDA and EBITDA margin from income statement items. See EV/EBITDA multiple.

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Business Vehicle Depreciation Calculator

Calculate MACRS depreciation for business vehicles with luxury vehicle limits.

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Mileage Log Calculator

Track business, medical, and charity miles. Calculate total IRS mileage deduction.

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Buy vs Lease Equipment Calculator

Compare buying vs leasing business equipment. See tax benefits, total cost, and which is better.

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Corporate Tax Calculator (C-Corp)

Calculate C-Corp federal and state tax at 21% flat rate. See double taxation on dividends.

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QBI Deduction Calculator (Section 199A)

2026

Calculate your Qualified Business Income deduction. See 20% deduction with W-2 wage and SSTB limits.

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Business Mileage: Standard vs Actual Calculator

Compare IRS standard mileage rate vs actual vehicle expense method. See which deduction is larger.

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Net Profit Calculator

Calculate gross, operating, and net profit from revenue and expenses. See all profit margins.

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Payback Period Calculator

Calculate simple and discounted payback period for business investments.

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Conversion Rate Calculator

Calculate website conversion rate and compare A/B test variants.

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CPC / CPM Calculator

Calculate cost per click, cost per thousand impressions, or cost per acquisition from ad spend.

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ROAS Calculator (Return on Ad Spend)

Calculate return on ad spend and determine ad profitability with margin analysis.

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Email Marketing ROI Calculator

Calculate email campaign revenue, ROI, and revenue per subscriber from list size and conversion rates.

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Customer Lifetime Value Calculator

Calculate CLV from purchase value, frequency, lifespan, and margin. See LTV:CAC ratio.

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Churn Rate Calculator

Calculate customer churn rate, retention rate, and average customer lifetime.

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SaaS Metrics Calculator

Calculate MRR, ARR, net revenue retention, quick ratio, and growth rate for SaaS businesses.

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Price Elasticity Calculator

Calculate price elasticity of demand. See if demand is elastic or inelastic and optimize pricing.

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Shipping Cost Calculator

Estimate USPS, UPS, and FedEx shipping costs by weight and dimensions. Find cheapest carrier.

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Break-Even Pricing Calculator

Calculate the minimum price to cover costs plus desired profit at a given sales volume.

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Subscription Revenue Calculator

Calculate MRR, ARR, LTV, and churn impact for subscription-based businesses.

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Real Estate Agent Income Calculator

Calculate deals and leads needed to reach your target income as a real estate agent.

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Revenue Per Employee Calculator

Calculate revenue per employee and compare to industry averages.

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Operating Margin Calculator

Calculate gross margin and operating margin from revenue and expenses.

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Quick Ratio (Acid Test) Calculator

Calculate the quick ratio from liquid assets and current liabilities.

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Debt-to-Equity Ratio Calculator

Calculate D/E ratio and assess financial leverage (conservative vs aggressive).

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Return on Assets (ROA) Calculator

Calculate ROA from net income and total assets. Compare to S&P average.

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Schedule C Calculator

Calculate net profit/loss from self-employment with expense categories.

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Break-Even Units Calculator

Calculate break-even quantity, revenue, and contribution margin.

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Contribution Margin Calculator

Calculate contribution margin per unit and ratio from revenue and variable costs.

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Inventory Cost (COGS) Calculator

Calculate cost of goods sold from beginning inventory, purchases, and ending inventory.

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Accounts Payable Turnover Calculator

Calculate AP turnover and days payable outstanding from purchases and payables.

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Free Cash Flow Calculator

Calculate FCF from operating cash flow and capital expenditures.

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Goodwill Calculator

Calculate goodwill from acquisition price and fair value of net assets.

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Depreciation Methods Comparison

Compare straight-line, MACRS, and double-declining depreciation side by side.

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Business Insurance Cost Calculator

Estimate GL, property, WC, and E&O premiums by business type and size.

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Accounts Payable Turnover Calculator

Calculate AP turnover ratio and average days payable from purchases and payables.

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Business Insurance Cost Calculator

Estimate business insurance premiums by type, revenue, and industry.

About Business & Self-Employed Calculators

These calculators are built for the moment you stop being only an employee and start owing tax the IRS no longer withholds for you. Freelancers, gig workers, and small-business owners use the Self-Employment Tax Calculator 2026 to size the Social Security and Medicare bite on Schedule C profit, then turn to the Quarterly Estimated Tax Calculator to set aside the right amount for the four Form 1040-ES deadlines and stay inside the safe-harbor rule that blocks an underpayment penalty.

Other tools answer structural questions. The LLC vs S-Corp Tax Comparison Calculator models whether electing S-corporation status and paying yourself a reasonable salary would cut your self-employment tax, while the W-2 vs 1099 Comparison Calculator shows the contract rate you'd need to match an employer's salary plus benefits.

When you buy assets or drive for work, the Section 179 Deduction Calculator and Depreciation Calculator (MACRS) tell you whether to expense equipment now or write it off over its IRS recovery period, and the IRS Mileage Reimbursement Calculator applies the current standard rate. The Break-Even and Profit Margin calculators handle pricing, and the SBA 7(a) Loan Calculator estimates payments including the guarantee fee.

Frequently Asked Questions

How much should I set aside for taxes as a 1099 contractor?
Self-employment tax alone runs 15.3% on your net Schedule C earnings (the 12.4% Social Security portion applies only up to the SSA wage base, which is $184,500 for 2026, while the 2.9% Medicare portion has no cap). On top of that you owe federal income tax at brackets running from 10% to 37%, plus any state tax. Many contractors reserve 25% to 30% of net profit, but the precise figure depends on your bracket and deductions.
Does forming an S-Corp actually save money over an LLC?
An S-corporation can reduce self-employment tax because only the salary you pay yourself is subject to Social Security and Medicare tax, not the remaining profit you take as a distribution. The IRS requires that salary to be 'reasonable' for the work performed, so paying an artificially low wage invites an audit. The savings have to clear added costs like payroll processing, a separate return (Form 1120-S), and state franchise fees, which is why the break-even usually sits in the range where profit comfortably exceeds a market-rate salary.
When are quarterly estimated taxes due, and how do I avoid a penalty?
Estimated payments on Form 1040-ES are generally due April 15, June 15, September 15, and January 15 of the following year. The IRS safe-harbor rule lets you avoid an underpayment penalty if you pay at least 90% of the current year's tax or 100% of last year's total tax (110% if your prior-year AGI was over $150,000), whichever is smaller. Paying based on last year's liability is the simplest way to lock in protection.
Should I deduct mileage or actual vehicle expenses?
The IRS lets you choose the standard mileage rate, which multiplies business miles by a per-mile figure the agency updates each year, or the actual-expense method, which deducts the business-use share of gas, insurance, repairs, and depreciation. The standard rate is simpler and often wins for fuel-efficient, high-mileage vehicles; actual expenses tend to favor costly vehicles driven fewer miles. If you want to use the standard rate over a car's life, you generally must choose it the first year the vehicle is in service.
What's the difference between Section 179 and MACRS depreciation?
MACRS is the IRS's default schedule that spreads an asset's cost across a fixed recovery period based on its class life. Section 179 instead lets you expense the full cost of qualifying equipment in the year it is placed in service, up to an annual dollar limit that phases out once total purchases exceed a set threshold, and it cannot create a business loss. Bonus depreciation is a separate first-year write-off that can apply on top; which combination minimizes tax depends on your income and how much equipment you bought.