About Taxorly
What Taxorly is
Taxorly is a set of free calculators for working out tax and money questions that come with self-employment in the United States. You don't need an account, and there is nothing to pay. The tax tools use the published 2026 federal and state figures, and the methodology page names the source of each one.
Who it's for
Freelancers, independent contractors and anyone paid on a 1099 who has to set money aside for tax, make quarterly estimated payments, price their work and invoice for it, without an employer's payroll department doing the sums for them.
The tools
Tax calculators
- Self-Employment Tax: Estimate your federal, state & SE taxes instantly.
- W-2 vs 1099 Calculator: Compare employee vs contractor pay side-by-side.
- S-Corp Tax Savings: Estimate what an S-corp election could save you.
- LLC State Cost: Formation and annual fees, including franchise taxes, for all 50 states. Reviewed 2024–2025.
- Business Expenses: Enter expenses by category and see the estimated tax saving.
- Mileage Deduction: IRS standard mileage rate deduction estimator.
- Quarterly Tax Penalty: Estimate IRS underpayment penalties.
- Home Office Deduction: Simplified & regular method comparison.
- Deductions by Profession: The self-employed deductions guide, with deduction lists for 15 professions.
- Tax Health Score: 10 yes-or-no questions on common deductions and habits you may be missing.
- IRS Deadline Calendar: 2026 federal tax deadlines with countdowns and add-to-calendar links.
- W-4 Withholding: Extra federal withholding per paycheck for side income, over the paychecks left this year. State tax shown separately.
- Ask a Tax Question: General answers to tax questions from an AI model with a tax-focused prompt. Not advice.
State and city tax guides
- 1099 tax calculator by state: Federal, self-employment and state tax for all 50 states and DC, one page each.
- New York City freelancer tax guide: Federal, state and local income tax for a freelancer living in New York City.
- Portland freelancer tax guide: Federal, state and local income tax for a freelancer living in Portland.
- Philadelphia freelancer tax guide: Federal, state and local income tax for a freelancer living in Philadelphia.
- Kansas City freelancer tax guide: Federal, state and local income tax for a freelancer living in Kansas City.
- Indianapolis freelancer tax guide: Federal, state and local income tax for a freelancer living in Indianapolis.
- Columbus freelancer tax guide: Federal, state and local income tax for a freelancer living in Columbus.
- Louisville freelancer tax guide: Federal, state and local income tax for a freelancer living in Louisville.
- Baltimore freelancer tax guide: Federal, state and local income tax for a freelancer living in Baltimore.
- Pittsburgh freelancer tax guide: Federal, state and local income tax for a freelancer living in Pittsburgh.
- Cincinnati freelancer tax guide: Federal, state and local income tax for a freelancer living in Cincinnati.
- Detroit freelancer tax guide: Federal, state and local income tax for a freelancer living in Detroit.
- Cleveland freelancer tax guide: Federal, state and local income tax for a freelancer living in Cleveland.
Pricing and rates
- Freelance Rate Calculator: The hourly rate that reaches your income goal after costs and time off.
- Project Pricing: A flat-fee project price from your rate and hours, with buffer and rush fee.
- Retainer Builder: Convert hourly clients to monthly retainers.
- Gig Pay Splitter: Split a payout into tax, overhead, savings and take-home.
- Quick Quote Generator: A project quote from your rate, hours, complexity and deadline.
- Pricing Audit: Compare your hourly rate with illustrative ranges by field. Examples, not survey data.
- Benchmark Tool: Compare your income with illustrative ranges by field. Examples, not survey data.
- Salary to Hourly: Salary to hourly, weekly and monthly, and the freelance rate that matches it.
Invoicing and time tracking
- Invoice Generator: Create an invoice and save it as a PDF.
- Billable Timer: Track hours with live earnings calculator.
- Payment Tracker: Track client invoices & payments due.
Planning
- Paycheck Calculator: Net take-home pay for every state and DC.
- Retirement Savings: Are you on track for a comfortable retirement?
- FIRE Calculator: Find your Financial Independence number.
- Compound Interest: Watch your investments grow over time.
- Net Worth Calculator: List your assets and debts for your net worth, saved in your browser.
- Emergency Fund: Size a cash buffer from your living costs and business overhead.
- Monthly Budget: Income against fixed costs, spending and savings, with what is left over.
- Mortgage Qualifier: Self-employed mortgage eligibility estimator.
- Business Valuation: What is your freelance business worth?
- Loan Calculator: Compare loans side by side: payment, total interest and balance over time.
- Auto Loan Calculator: Monthly payment with sales tax, down payment and trade-in.
- Student Loan Payoff: See how extra payments slash interest.
- Credit Card Payoff: Avalanche vs snowball debt elimination.
- Financial Report: A PDF report of your income, deductions and estimated tax.
- Tax Fund: Visual savings jar for your quarterly tax bill.
- Digital Nomad: Compare monthly savings at home and abroad, from expenses you enter.
- Credit Card Optimizer: Compare generic card reward structures against your monthly spending.
- Software ROI: Is that SaaS tool worth it? Find out.
Everyday calculators
- Currency Converter: Convert between 10 major currencies at dated reference rates.
- Percentage Calculator: 3 calculations: X% of Y, X as a percentage of Y, and percentage change.
- Tip Calculator: Tip and split a bill, and see the business-meal deduction.
- Discount Calculator: Sale price and savings from a percentage discount, with sales tax.
- Inflation Calculator: Dollar value between selected years since 1913, from CPI-U. 2026 is an estimate.
- Date Calculator: Days between two dates, or add and subtract days, weeks, months or years.
- Word Counter: Count words, characters, and estimate reading time.
How the numbers are calculated
Every tax figure on the site comes from one calculation engine, which uses the IRS's published brackets, deductions and rates and each state's bracket table. The methodology page sets out every step, the document each figure comes from, how much of the state data has been checked against the states' own forms, and what the calculators do not model.
What Taxorly is not
- It is not tax, legal or financial advice. Results are estimates for planning.
- It is not a CPA firm, and nobody here prepares or files returns.
- It is not affiliated with the IRS or any state or city tax agency.
Before you file, or act on a large figure, check it with a licensed tax professional.
Privacy: what is stored and what is sent
- What you type into a calculator is worked out in your browser and saved there (in its local storage) so it is still there next time. It is not sent to Taxorly or stored on any server. A few links between tools carry figures in the page address, such as the timer passing hours to the invoice generator.
- Ask Tax questions are sent to Groq, the AI provider that answers them. Taxorly does not store the questions or the answers. Your IP address is held in memory only to limit how many questions one visitor can ask. Questions asked between May 14 and June 4, 2026 were stored with their answers and a timestamp (no name or IP address), and they were published as pages. Those pages have been removed, and the stored questions were deleted on October 1, 2026.
- The contact form stores your name, email address, subject and message in a database so the message can be answered.
- Google Analytics runs only if you choose Accept on the cookie banner. Until then, or if you decline, nothing is sent to Google Analytics and no Analytics cookies are set. If you accept, it sets cookies and records the pages you visit, your browser and device, and your approximate location. Google keeps event data for 2 months and user-level data for 14 months.
- Hosting. The site is served by Vercel, which, like any web host, receives your IP address and the pages you request.
The privacy policy has the details and your rights.
How it is funded
Right now the site carries no advertising and no affiliate links, and nobody pays to be mentioned on it. If that changes, for example with display advertising, this page will say so, and anything paid will be labelled where it appears.
Contact
Email contact@taxorly.com, or use the contact form. Corrections to any figure are especially welcome.
Taxorly is an independent site.
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