Free · No sign-up · Planning estimate only

Free freelance tax estimator

Enter your income and deductible expenses and see how much to set aside for taxes per quarter, per invoice and per month. A planning estimate so you are never caught short at the end of the year. Runs in your browser, nothing uploaded.

Quarterly + monthly set-aside Not tax advice EN + 繁體中文
⚠️ This is a planning estimator, not tax advice. Tax rules vary by country, change yearly, and depend on your full income picture. Use a qualified tax professional or your country's tax authority for actual figures.

Stop being surprised by the tax bill

The most common freelance money mistake is not setting aside tax as you earn it. By the time the bill arrives — a quarterly estimated payment, or a year-end filing — the money has already been spent. The fix is a simple habit: every time income arrives, a percentage goes into a separate pot. This estimator tells you what percentage to use.

Enter your expected annual income and any deductible expenses. The estimator shows you an estimated taxable income, a rough total tax, and — most practically — how much to set aside per quarter, per invoice and each month. It is a budget, not a tax return. Use it to build the habit; use a professional to file accurately.

What it estimates

Taxable income

Gross income minus your deductible expenses — the base the tax is calculated on.

Quarterly set-aside

The amount to put away four times a year so you have it when the bill arrives.

Per-invoice set-aside

The percentage to reserve every time a client pays you.

Monthly target

A monthly savings goal to spread the set-aside evenly across the year.

Monthly tracker

Log actual income each month and see your running YTD set-aside requirement.

Private & offline

Zero network requests. Your income figures never leave your browser.

How to use it

  1. Enter your expected annual income and deductible expenses.
  2. Choose your tax rate approach — your own flat rate, or one of the illustrative examples.
  3. Read the quarterly and per-invoice set-aside and start putting that percentage away each time you get paid.

Pair it with expense tracking

The estimator works best when you know your actual income and expenses. Use CashFlow to track both in real time — the tax set-aside feature there works alongside this estimator for a complete money picture. All free, all offline.

Frequently asked questions

How much should a freelancer set aside for taxes?
A common rule of thumb is 25–30% of net income, but the right figure depends on your country, income level and deductions. This tool helps you estimate — confirm with a tax professional.
Do freelancers pay quarterly taxes?
In many countries, self-employed people make estimated payments during the year. The exact schedule varies — check your local tax authority for your obligations.
Is this a tax calculator?
It is a planning estimator. Your actual tax depends on your country's laws, full income picture and allowed deductions. Use a professional for actual figures.
Is this free?
Yes — no account, nothing uploaded, completely free. There is no paid version.

More free tools for freelancers

Build the set-aside habit

Know what percentage to park every time a client pays. Free, no account, nothing uploaded.

Open the estimator → See all tools →