How to calculate freelance taxes: a step-by-step guide

Quick answer

As a freelancer, you owe 15.3% self-employment tax on 92.35% of your net profit, plus regular income tax. Set aside 25–30% of every payment you receive. Pay quarterly in April, June, September and January to avoid penalties.

Why freelance taxes are different

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Step 1: Calculate your net profit

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Step 2: Calculate self-employment tax

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Step 3: Calculate income tax

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Step 4: Set aside the right amount

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Frequently asked questions

When are quarterly taxes due?

April 15, June 15, September 15 and January 15 in the US. Missing a payment results in an underpayment penalty from the IRS.

What expenses can I deduct?

Home office, equipment, software, professional services, travel for work, health insurance premiums and more. Keep receipts for everything.

Do I need an accountant?

Not necessarily in your first year, but a one-hour session with a CPA can save you far more than it costs. At minimum, use a dedicated tax estimator tool.

Try our free tool

Freelance tax estimator

Enter your income and expenses to calculate your exact quarterly payment in seconds.

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