Self-employment & business tax

Tax Calculators

Free 2025 tax estimators for freelancers, creators, SaaS, and Shopify stores across US (federal + all 50 states + DC), UK, Canada, and Australia. Estimate self-employment tax, federal + state income tax, sales-tax exposure, and quarterly payments.

Browse 3679 calculators Help me pick one

Rex tested every one of these so you don't have to guess.

01 · Calculators

8 live

02 · Regions

US 50 states · UK · CA · AU · expat

03 · Tax year

2025 / 2025-26

Tax is the largest single line item most independent operators face — and the one they understand worst. These calculators are not tax advice; they're a fast estimator using current 2025 federal brackets layered with all 50 US state income tax rates (plus DC), so you walk into your accountant's office knowing the right ballpark — not just at the federal level, but where you actually live.

Start here

Pick the version of yourself

Each persona maps to the single calculator that answers your question fastest.

I'm a W-2 salaried employee

"Federal + state take-home"

Federal income tax calculator

I just want my state tax

"Pick any of 50 states"

State income tax calculator

I'm a 1099 freelancer

"Quarterly tax estimate"

Freelancer & 1099 tax calculator

I'm a YouTuber / streamer

"Tax on AdSense + sponsorships"

Creator income tax calculator

I'm a US expat / digital nomad

"FEIE + Foreign Tax Credit"

Expat tax calculator

I trade or hold crypto

"Capital gains + state tax"

Crypto tax calculator

I run a SaaS

"US economic-nexus exposure"

SaaS sales tax & nexus estimator

Fast tip calculator for Wyoming: enter the bill, pick a tip percentage, split between people, and see the total per person. Workers can also see what those tips are worth after taxes.

ResultOpen

Pick the right tool

Which tax calculator should I use?

If your situation looks like the left column, jump to the calculator on the right.

Salaried W-2 income (federal + state take-home)

2025 federal brackets, FICA, and your chosen state's effective rate in one view.

Federal income tax calculator

Just compare state-only tax

Pick any of 50 states + DC and see how much a no-tax state would save you.

State income tax calculator

1099 / freelance / contractor income

Splits self-employment tax (or NIC / CPP) from income tax and gives quarterly estimates.

Freelancer & 1099 tax calculator

Creator income — AdSense, sponsors, affiliate, merch

Same engine but with creator-specific deductions: gear, software, contractors, home studio.

Creator income tax calculator

US citizen working abroad / digital nomad

Models the $130,000 FEIE, housing exclusion, and Foreign Tax Credit so you know what you actually owe the IRS.

Expat tax calculator

Crypto trades, staking, DeFi yield

Short vs long-term capital gains, NIIT, staking ordinary income, and your state's hit on top.

Crypto tax calculator

SaaS sales tax & US economic nexus

Maps where you have nexus, how much to collect, and your back-tax exposure if you've been over.

SaaS sales tax & nexus estimator

E-commerce profit after tax

Net profit after COGS, fees, ad spend, sales tax pass-through, and personal income tax.

Shopify sales tax & profit-after-tax

§ 01

Why your effective tax rate is higher than salaried friends

Employees split payroll tax with their employer. Independents pay both halves before income tax even kicks in. On a $90k US net profit, you'll owe ~$12,700 in self-employment tax before federal income tax even enters the picture.

US self-employment tax (2025): 15.3% on the first $176,100 of net SE earnings, 2.9% Medicare above (+0.9% Additional Medicare > $200k single).
UK Class 4 NIC: 6% on profits £12,570–£50,270, 2% above.
Canada CPP self-employed: 11.4% to $68,500, plus CPP2 to $73,200.
Australia: no separate SE tax, but no employer super either.

§ 02

State income tax can be your biggest line — or your smallest

Federal tax is the same wherever you live in the US, but state income tax can swing your effective rate by 10+ points. We layer all 50 states (plus DC) on top of the federal estimate using 2025 published rates, so a freelancer in California (9.3% bracket) and one in Texas (0%) get an honest, location-aware number.

No state income tax: AK, FL, NV, NH, SD, TN, TX, WA, WY.
Flat-rate states (2025): AZ 2.5%, CO 4.4%, GA 5.39%, IL 4.95%, IN 3.0%, KY 4.0%, MI 4.25%, NC 4.25%, PA 3.07%, UT 4.55%.
Highest top brackets (2025): CA 13.3%, HI 11%, NJ 10.75%, NY 10.9% (NYC adds another 3–4%), OR 9.9%, MN 9.85%.
Local taxes (NYC, Philadelphia, many OH/PA cities) add 1–4% on top — confirm with your accountant.

§ 03

Quarterly estimated payments are not optional

The IRS, HMRC, CRA, and ATO all want you to pre-pay throughout the year. Underpayment triggers penalties and interest that compound silently. As a rule of thumb, set aside 25–35% of every invoice in a separate account from day one — closer to 35–45% if you live in a high-tax state like CA, NY, or NJ.

§ 04

Sales tax / VAT is never your money

When you collect sales tax or VAT at checkout, treat it as a liability the moment it hits your bank. Auto-sweep it into a separate account weekly. The most common failure mode for a growing store or SaaS is spending sales-tax cash, then owing it as a lump sum on a 30-day filing.

§ 05

When to incorporate (US S-corp, UK Ltd)

Above ~$70–80k US profit, an S-corp election can shave 5–10% off your tax bill by splitting wages and distributions. UK freelancers often go Ltd above ~£40–50k profit. The savings are real, but so is the admin cost — always compare net-of-accountant numbers.

Compare

Self-employment 'payroll' tax: US vs UK vs CA vs AU (2025)

	Region	Equivalent tax	Rate
United States	SE tax (SS + Medicare)	15.3% / 2.9% above cap	$176,100 (SS portion, 2025)
United Kingdom	Class 4 NIC	6% / 2% above	Above £50,270
Canada	CPP self-employed (both halves)	11.4% + CPP2 ~8%	$68,500 / $73,200
Australia	No SE tax (you fund super yourself)	—	—

FAQ

Things people ask

Are these calculators official tax filings?+

No. They're educational estimators using current 2025 published brackets and standard deductions. State / provincial / Scottish / local rates and individual deductions vary. Always confirm with a qualified tax professional before filing.

Do these calculators include state income tax?+

Yes — for the US, you can pick from any of the 50 states (plus DC). We layer that state's 2025 income tax rate on top of the federal estimate. We use a representative effective rate per state; high-tax cities like NYC and Philadelphia add more on top.

How often are the rates updated?+

Federal brackets, state rates, and SS wage base are reviewed each tax year. The current build uses 2025 US federal + state, 2025/26 UK and AU, 2025 Canada figures.

Do I owe tax on free products from sponsors?+

Yes — in every major jurisdiction, free product or service received in exchange for content has a fair-market value that counts as income. Report the retail price.

What % of my income should I set aside for taxes?+

Most independent operators reserve 25–35% of every invoice (35–45% in CA/NY/NJ/OR/HI). Use the relevant calculator with your actual state and numbers, then round up.

Does the SaaS nexus calculator cover EU VAT?+

Not yet. EU/UK VAT for digital services has different rules (OSS / IOSS, customer-location based, no minimum threshold for cross-border B2C). A dedicated VAT calculator is on the roadmap.

Deep guides on this topic

How to Set Your Freelance Hourly Rate

Pricing math that includes the tax wedge.

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Agency Pricing Models

Pricing structures and their P&L implications.

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