Tax · super (composes 4 primitives)
Freelancer tax master
Pull your 1099 income from your profile. We chain SE tax (15.3% on 92.35%), federal income tax with brackets and deductions, quarterly safe-harbor splits, the home-office deduction, and the tax savings from your retirement contribution.
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Inputs
Load a preset
Result
Total estimated tax burden $23,031 (24.2% effective). Quarterly: $5,758.
Action: Set aside $5,758 per quarter in a separate account. The IRS doesn't care that revenue was uneven — they want it on schedule.
- 1
Net SE earnings (after expenses + home office)
$86,250
$95,000 gross − $8,000 expenses − $750 home office
- 2
Self-employment tax (15.3% on 92.35%)
$12,187
$79,652 × 15.3%. Deduct half ($6,093) above the line.
Stand-alone calc - 3
- 4
Federal taxable income
$56,532
+W-2 $0 − ½ SE tax − retirement − $15,000 std deduction
Stand-alone calc - 5
- 6
Planning state income tax (4.50%)
$3,493
$77,625 planning base × 4.50%
- 7
Quarterly safe-harbor estimate
$5,758
Estimated federal + SE + state tax ÷ 4. Pay by April 15 / June 15 / Sept 15 / Jan 15.
Stand-alone calc - 8
Tax savings from retirement contribution
$1,898
$8,625 × 22% marginal
Assumptions & notes
- Federal brackets are 2026 estimates; verify against the latest IRS Rev. Proc. before filing.
- State income tax is a flat planning-rate estimate here; verify deductions, credits, and local rules before filing.
- Solo 401(k) contribution caps: $23,500 employee + 25% net SE employer, $70,000 total in 2026.
Continue the profile
Keep this tax path connected
Apply a tax-profile chip above to carry the same assumptions into the full chain, quarterly estimate, or bracket view.
Companion tools on mitchreise.com
Use the explainable ShowMath result as the math layer, then jump to the Reise Tools hub for richer dashboards, exports, and adjacent personal-finance paths.
10-year projection
Cumulative tax + net income
Multi-scenario comparison
What if — ±20% on one input
| Scenario | 1099 / Schedule C net earnings | Headline | Δ vs baseline | Magnitude |
|---|---|---|---|---|
| −20% (cautious) | $76,000 | Total estimated tax burden $16,880 (22.2% effective). Quarterly: $4,220. | $-19,000 | |
| Baseline | $95,000 | Total estimated tax burden $23,031 (24.2% effective). Quarterly: $5,758. | 0 | |
| +20% (aggressive) | $114,000 | Total estimated tax burden $29,952 (26.3% effective). Quarterly: $7,488. | +$19,000 |
Try the input with the highest sensitivity (above). The Δ column shows the dollar swing from a 20% move — that's how much room you have for a counter, raise, or hedge.
Goal seek
Solve for an input value
Pick the input you want to vary and the output you care about. We'll find the input value that gets you to the target. Bisection-based; converges in < 50 iterations.
Monte Carlo simulation
Distribution under input uncertainty (500 trials)
We perturb every numeric input with normal-distributed noise (10–25% sigma depending on input type) and run 500 compute trials. The output is a probability distribution, not a single number — closer to how finance actually works.
Most-leveraged inputs (sensitivity analysis)
Where to focus — what moves the answer most
Each input perturbed ±10%; measured impact on Net SE earnings (after expenses + home office). Higher elasticity = bigger lever.
- 1
1099 / Schedule C net earnings
Elasticity ↑ 1.10× — 10% change in this input increases Net SE earnings (after expenses + home office) by 11.0%.
- 2
Annual business expenses (already deducted from earnings if zero)
Elasticity ↓ 0.09× — 10% change in this input decreases Net SE earnings (after expenses + home office) by 0.9%.
- 3
Home office sq ft (0 if none)
Elasticity ↓ 0.01× — 10% change in this input decreases Net SE earnings (after expenses + home office) by 0.1%.
- 4
Planning state tax rate
Elasticity ↕ 0.00× — 10% change in this input affects Net SE earnings (after expenses + home office) by 0.0%.
ShowMath is the only calc site that surfaces this. Adjust the highest-leverage input first — that's where small moves create big results.
Chain payload (for the 3D constellation)
{
"slug": "freelancer-tax-master",
"depth": 1,
"primitives": [
"1099-quarterly-tax-estimator",
"effective-vs-marginal-rate",
"estimated-tax-safe-harbor",
"sep-vs-solo-401k-comparison"
],
"composes": [],
"chain": [
{
"key": "net_se",
"label": "Net SE earnings (after expenses + home office)",
"primitive": "home-office-deduction",
"numeric": 86250
},
{
"key": "se_tax",
"label": "Self-employment tax (15.3% on 92.35%)",
"primitive": "1099-quarterly-tax-estimator",
"numeric": 12186.736875
},
{
"key": "retirement_contrib",
"label": "Retirement contribution (10.0%)",
"primitive": "sep-vs-solo-401k-comparison",
"numeric": 8625
},
{
"key": "taxable_income",
"label": "Federal taxable income",
"primitive": "effective-vs-marginal-rate",
"numeric": 56531.6315625
},
{
"key": "fed_tax",
"label": "Federal income tax",
"primitive": "effective-vs-marginal-rate",
"numeric": 7350.95894375
},
{
"key": "state_tax",
"label": "Planning state income tax (4.50%)",
"numeric": 3493.125
},
{
"key": "quarterly",
"label": "Quarterly safe-harbor estimate",
"primitive": "estimated-tax-safe-harbor",
"numeric": 5757.7052046875
},
{
"key": "ret_savings",
"label": "Tax savings from retirement contribution",
"numeric": 1897.5
}
]
}The chain explained
Each step above corresponds to a primitive calculator. Click any to see the stand-alone version with its own explainer + sources.
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