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.

Free · no signup · 2026 IRS figures

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.

Open the calculator →

Rate Calculator

If you go 1099, what should you charge? Work backward from the take-home you want, or the W-2 job you're leaving, to the rate that funds it.

Open the calculator →

Tax Set-Aside Calculator

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

Open the calculator →