Money tools for people who work for themselves

Going independent — or deciding whether to? Indie Ledger's calculators use current-year tax figures with every constant traced to a primary source, so the numbers you plan around are numbers you can check.

1099 vs W-2 Calculator

Compare a contract offer against a salary: true after-tax take-home for both, benefits valued in dollars, and the break-even hourly rate.

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Rate Calculator coming soon

If you go 1099 — what should you charge? Work backward from the lifestyle you want to the rate that funds it.

Tax Set-Aside Calculator coming soon

Took the 1099? Know what share of every invoice to move into savings for quarterly estimated taxes.