Is this freelance
offer worth it?
Seven calculators that answer the financial questions freelancers actually face. Not rate-setting templates — real decision tools.
Start calculating1099 vs W2 Take-Home
Should you take the contract or the job offer? See the real take-home after taxes and benefits.
Freelance Hourly Rate
What hourly rate do you need to hit your income goal after taxes and expenses?
Contract → Full-Time Equivalent
What W2 salary matches your contract rate once you account for SE tax and benefits?
Project Rate Calculator
Quote a project correctly: hours × rate + expenses + margin + revision buffer.
Break-Even Monthly Income
What is the minimum you must earn each month to cover expenses, taxes, and savings?
Freelance Premium Calculator
How much MORE must you charge as 1099 to match a W2 offer after all the extras?
1099 Tax Calculator
Calculate your self-employment tax, income tax, and quarterly payments in one place.
Built for the question, not the formula.
FreelancePrice is a free suite of freelance calculator tools built for independent contractors, 1099 workers, consultants, and anyone evaluating the switch from traditional employment to freelance work. Every tool runs instantly in your browser — no signup, no account, no paywalls, ever.
The smartest freelance decision starts with the right numbers
One of the biggest financial mistakes freelancers make is accepting a contract rate without accounting for what they actually take home. A $100/hr contract sounds better than a $75,000 salary — until you factor in self-employment tax, health insurance, unpaid time off, and the weeks between contracts. Our 1099 vs W2 calculator shows you the real side-by-side take-home comparison after SE tax, income tax, and benefits value, so you can make an informed decision before signing anything.
Free 1099 vs W2 calculator — know your real take-home
Our 1099 vs W2 calculator is the most-used tool on FreelancePrice. As a 1099 independent contractor, you pay the full 15.3% self-employment tax on your net earnings — both the employer and employee portions of Social Security and Medicare. A W2 employee only pays half (7.65%) because their employer covers the rest. The difference is significant: on $100,000 of income, that's an extra $7,650 coming directly out of your pocket as a contractor. Our calculator accounts for this automatically alongside federal income tax, so the number you see is your actual take-home pay, not a guess.
Freelance hourly rate calculator — charge what you're worth
Most freelancers undercharge because they divide their desired income by 40 hours a week and call it a rate. That ignores the reality of freelance work: admin time, proposal writing, invoicing, gaps between projects, and non-billable hours that easily consume 30–40% of your week. Our freelance hourly rate calculator uses your income goal, annual business expenses, estimated tax rate, working weeks, and realistic billable utilization to calculate a sustainable rate — the minimum you need to charge to actually hit your income target.
Contract to salary calculator — is the offer really better?
Converting a contract offer to its full-time salary equivalent is harder than it looks. A $85/hr contract sounds like $170,000 a year, but that assumes 40 billable hours every week for 50 weeks with zero gaps — unrealistic for any contractor. Our contract to salary calculator factors in actual billable hours, working weeks, SE tax, and the value of benefits like health insurance, 401k match, and paid time off to show you the true W2 equivalent of any contract offer.
Freelance project rate calculator — stop underquoting
Fixed-price projects fail freelancers when scope creep eats into profit. Our freelance project rate calculator starts from your hourly rate, multiplies by estimated hours, adds a revision buffer, layers in overhead and project expenses, then applies your desired profit margin. The result is a floor price — the minimum you can charge and still make your numbers work — so you can quote with confidence instead of guessing.
Break-even monthly income calculator
Every freelancer needs to know their floor: the minimum monthly gross income that covers personal expenses, business costs, and taxes before any profit is made. Our break-even calculator makes this number explicit so you know exactly how many billable hours you need each month just to keep the lights on.
All FreelancePrice tools are free, require no account or email address, and calculate instantly as you type. Built for US-based freelancers, independent contractors, consultants, and anyone navigating the 1099 economy.
Frequently asked questions
Common questions about FreelancePrice and how the calculators work.
What is FreelancePrice?
FreelancePrice is a free suite of financial calculator tools built for US freelancers, independent contractors, and 1099 workers. Every tool answers a specific financial question — comparing 1099 vs W2 take-home pay, calculating your minimum hourly rate, quoting fixed-price projects, estimating your 1099 tax bill, and more. No signup, no ads, no paywalls.
Are the FreelancePrice calculators free to use?
Yes — completely free, forever. There are no plans, no trials, no paywalls, and no account required. All seven calculators are available to anyone, instantly.
Does FreelancePrice store or collect my financial data?
No. All calculations run entirely in your browser. Your income figures, tax rates, and expense numbers are never sent to any server, never logged, and never stored. There are no cookies tracking your inputs and no account to create.
Who are these tools built for?
FreelancePrice is built for US-based freelancers, independent contractors, 1099 workers, consultants, and anyone evaluating a move from W2 employment to self-employment. The tax calculations use US self-employment tax rules — Schedule SE, the 50% SE deduction, and standard federal and state income tax rates.
What is the difference between a 1099 contractor and a W2 employee?
A W2 employee has taxes withheld by their employer, who also covers half of FICA taxes (7.65%). A 1099 contractor receives gross pay with no withholding and pays self-employment tax (15.3%) — both halves of FICA — on top of income tax. At the same gross income, the real take-home difference is typically $8,000–$20,000 per year depending on tax bracket and benefits. Use the 1099 vs W2 calculator to see your exact comparison.
How accurate are the calculator results?
The calculators use standard IRS formulas — SE tax at 15.3% on 92.35% of net profit, the automatic 50% SE deduction, and flat effective tax rates — and produce accurate estimates for most US freelancers. They apply flat rates rather than full bracket calculations, so treat results as reliable estimates for decision-making, not as a substitute for tax filing software or a CPA.