Fig. Working Figures

Open ledger · Money math for people who work for themselves

Your freelance money, worked out properly

Most rate advice is a guess with confidence. These are working tools: put your numbers in, get a defensible answer out, see every assumption on the page.

  1. Entry 001 Hourly rate calculator From target income to a defensible quote. Working
  2. Entry 002 Quarterly tax estimator Four payments, no April surprise. Working
  3. Entry 003 1099 take-home calculator From contract rate to what lands in your account. Working
  4. Entry 004 S-corp vs sole-prop comparison When the paperwork starts paying for itself. Working
  5. Entry 005 Freelancer runway calculator How many slow months your savings survive. Working
  6. Entry 006 Self-employment tax calculator The 15.3% nobody warned you about, itemized. Working
  7. Entry 007 W-2 vs 1099 rate calculator What a salary is really worth as a contract rate. Working
  8. Entry 008 Project price calculator From an hourly estimate to a fixed quote with margins. Working
  9. Entry 009 Invoice late fee calculator Interest on overdue invoices, computed defensibly. Working
  10. Entry 010 Solo 401(k) / SEP-IRA calculator How much you can shelter this year, both plans compared. Working
  11. Entry 011 Rate converter Hourly to day, week, month, year, on real billable time. Working
  12. Entry 012 Invoice generator Professional invoices in the browser, print to PDF. Working
  13. Entry 013 Billable hours calculator How many billable hours your year really holds. Working
  14. Entry 014 Day rate calculator Price a booked day, premium included. Working
  15. Entry 015 Tax set-aside calculator The percent of every invoice to move, from real math. Working
  16. Entry 016 Rate increase calculator What a raise earns and how much churn it survives. Working
  17. Entry 017 Deposit & milestones calculator Split a project into deposit and payments. Working
  18. Entry 018 Rush fee calculator Deadlines cost extra. Price the premium. Working
  19. Entry 019 Kill fee calculator Bill a cancelled project fairly, and get paid. Working
  20. Entry 020 Scope creep calculator What free extras really cost you per year. Working
  21. Entry 021 Payment processor fees Stripe vs PayPal vs Square on your invoices. Working
  22. Entry 022 Platform fee calculator What Upwork and Fiverr keep from your earnings. Working
  23. Entry 023 Home office deduction Simplified vs actual method, side by side. Working
  24. Entry 024 Mileage deduction calculator Business miles into 2025 deduction dollars. Working

House rules

01

Every assumption is visible

No black boxes. Each calculator lists the formula, the tax-year constants, and what it deliberately ignores.

02

No signup walls

Tools work instantly. Your numbers stay in your browser, nothing is sent to a server.

03

Ads never touch the math

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