Freelance Finance Blog
Practical guides on taxes, pricing, invoicing, and making smarter financial decisions as a freelancer.
How to Calculate & Pay Quarterly Estimated Taxes as a Freelancer in 2025
Learn when quarterly estimated taxes are due in 2025, how to calculate payments using Form 1040-ES, avoid IRS penalties, and use our free calculator to determine your exact amounts.
Self-Employment Tax Explained: The Complete 2025 Guide for Freelancers
Understand the 15.3% self-employment tax: how it works, why freelancers pay double FICA, the Social Security cap at $176,100, and how to reduce your bill with deductions.
1099 vs W-2: Why Your $130K Contract Might Pay Less Than a $100K Salary
Compare 1099 contractor vs W-2 employee income side-by-side. See the real after-tax difference including SE tax, health insurance, retirement, and benefits with real numbers.
How Much Should You Charge as a Freelancer? The 2025 Rate Guide
Calculate your minimum hourly rate as a freelancer. Factor in taxes, health insurance, retirement, vacation, and profit margin to find the real number you need to charge.
25 Tax Deductions Every Freelancer Should Claim in 2025
The complete checklist of tax deductions for freelancers: home office, health insurance, equipment, software, mileage, retirement contributions, and 19 more you might be missing.