Smart tax & insurance tools
for independent professionals
Calculate quarterly taxes, maximize deductions, and find the right coverage — all in one place. Free tools built for freelancers, contractors, and self-employed pros.
Free tax & insurance tools
Real calculators with current tax rates. No sign-up required — just enter your numbers and get instant results.
Calculate your self-employment tax (Social Security + Medicare) based on your net business income.
Calculate now →Estimate your quarterly estimated tax payments to avoid IRS underpayment penalties.
Estimate now →Discover tax deductions you qualify for as a freelancer. Answer a few questions and get a personalized list.
Find deductions →Find out what insurance coverage you need as a freelancer — health, liability, disability and more.
Assess now →Track all four 2026 federal estimated tax due dates and save payment checkmarks in your browser.
Track deadlines →Aggregate 1099-NEC, 1099-K, and other client payments, then estimate a self-employment tax reserve.
Track income →Why 1099Hubs
Tax software is built for W-2 employees. We are built for you — the 1099 earner.
Accurate & up-to-date
Tax rates and brackets updated for the 2026 tax year. We track IRS changes so you don't have to.
Free & instant
No sign-up, no paywall. Enter your numbers and get results immediately. Your data never leaves your browser.
Built for freelancers
Every tool is designed around the 1099 experience — self-employment tax, quarterly payments, Schedule C deductions.
Latest guides
Plain-English guides on freelance taxes and insurance — written by experts, updated regularly.
Estimated Tax Penalty and Safe Harbor
The 90% and 100%/110% safe harbors, when the underpayment charge hits, and the fix that reaches backward.
Tax guideHow to Track 1099 Income
One row per payment, the unpaid invoices most people drop, and the reserve that keeps April calm.
Tax guideHow to Track Business Expenses
The setup, the weekly routine, and the records that make every deduction provable.
Tax guideEstimate Your Self-Employment Tax
The number to enter, what the 15.3% result includes and leaves out, and how to split it into four payments.
InsuranceFreelancer Insurance: What Coverage You Need
Which policies a freelancer actually needs, what they cost, and which to buy first.
InsuranceSelf-Employed ACA Subsidy Guide 2026
The 400% subsidy cliff is back for 2026 — see who still qualifies and how to keep your credit.
Tax guideBusiness Mileage Deduction 2026
Two business rates this year — 72.5¢ and 76¢. See the 2026 mileage rates and rules.
InsuranceCommercial Auto Insurance for Self-Employed Drivers
When a personal policy stops covering business use — rideshare, delivery, and the tax deduction.
InsuranceOccupational Accident Insurance for 1099 Workers
What fills the gap when a client's workers' comp excludes you, and how the premium is taxed.
RetirementSEP IRA vs Solo 401(k)
2026 contribution limits, tax savings, and loan rules. Pick the right self-employed retirement plan.
RetirementSelf-Employed Retirement Contribution Limits 2026
Every 2026 dollar limit for a Solo 401(k), SEP IRA, SIMPLE, and IRAs, and how much you can contribute by profit level.
InsuranceDisability Insurance for Freelancers
Protect your 1099 income with short-term and long-term disability coverage.
InsuranceWorkers' Comp for the Self-Employed
Who must carry it by structure and state — and how the premium cuts your Schedule C tax.
Tax guideSelf-Employment Tax: The Complete Guide
Everything you need to know about SE tax — how it's calculated, how to reduce it, and when to pay.
Ready to take control of your freelance taxes?
Start with a free tax calculator. No account needed — just enter your numbers.
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