Owner'sMath

Calculators for people who sign their own paychecks.

Money math for people who run their own business

Free calculators for freelancers, contractors and single-owner LLCs. Updated for the 2026 tax year, with the formulas shown so you can check the work.

Quarterly tax estimator

Split your 2026 federal tax into the four IRS payments, with due dates and the safe-harbor amount.

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Self-employment tax

See your 2026 Social Security and Medicare bill as your own boss, line by line.

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Hourly rate

Work backward from the take-home pay you want to the rate you need to charge.

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S-corp savings

Compare SE tax as an LLC with payroll tax as an S-corp, after the extra costs.

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Mileage deduction

Uses both 2026 rates: 72.5¢ through June, 76¢ from July 1.

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Margin & markup

See margin and markup side by side, and the price that hits your target margin.

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