Freelance Take-Home Pay Calculator (2026)

Turn gross revenue into real take-home pay. See what is left each year, month and week after expenses, self-employment tax, federal income tax and a state estimate.

Updated for tax year 2026 Last reviewed 2026-11-09

Your numbers

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Use your state rate, or 0 if your state has no income tax. This is a rough flat estimate.

Simplified: 20% of net profit. Income phase-outs and specified-service limits are not modeled.

Results

Net profit
$90,000
Self-employment tax
$12,717
Federal income tax
$9,571
State income tax (rough)
$0.00
Total estimated tax
$22,288
Take-home per year
$67,712
Take-home per month
$5,643
Take-home per week
$1,302
Effective tax rate on profit
24.76%

Results update as you type.

Built for US federal tax rules for 2026. Currency is fixed to US dollars.

Estimates for planning only. This is not tax, legal or financial advice. Read the full disclaimer.

From gross revenue to money in your pocket

Gross revenue is not income you can spend. First come business expenses, which reduce your net profit. Then comes self-employment tax at 15.3% on 92.35% of that profit, then federal income tax after the standard deduction, and finally state tax if your state has one.

This calculator follows those steps using 2026 IRS figures. The state tax is a flat percentage you enter, applied to adjusted gross income, so treat it as a rough estimate. If your state has no income tax, leave it at zero.

Using the results

The effective tax rate shows total tax as a share of net profit. It is usually much lower than your top bracket because income is taxed progressively. Take-home per month helps you build a personal budget. Take-home per week is useful if you want to compare it to an hourly job.

If the take-home number is lower than you expected, try the hourly rate calculator to see what you would need to charge, or the deduction estimator to check you are claiming everything you are entitled to.

Example: what you keep from $100,000 of revenue

With $100,000 of revenue, $10,000 of business expenses and no state income tax, a single filer ends up with about $67,700 after federal tax, which is roughly $5,600 a month or $1,300 a week. Total tax in that example is about $22,300, an effective rate near 25% of net profit.

Use the monthly figure for personal budgeting and the weekly figure to compare gigs. Remember that your income may arrive unevenly, so budget from a conservative month, not your best one.

Frequently asked questions

How much tax do freelancers pay on $100,000?

It depends on expenses and filing status. As a rough single-filer example, with $10,000 of expenses, federal self-employment and income tax together usually land around a quarter of net profit before state tax.

Is take-home pay before or after retirement contributions?

Before. This tool does not subtract retirement savings. Use the Solo 401(k) calculator to see how much you could contribute.

Why is my effective rate lower than my bracket?

US income tax is marginal. Only the income inside each bracket is taxed at that bracket’s rate, and the standard deduction removes the first slice of income entirely.

Does the calculator use 2026 numbers?

Yes. It uses the 2026 brackets and standard deductions published by the IRS and the 2026 Social Security wage base.

How do I calculate net income as a freelancer?

Subtract business expenses from revenue to get net profit, then subtract self-employment tax, income tax and any state tax. The calculator does each step.

How much of $100,000 freelance income do I keep?

In the example above, about $67,700 for a single filer with $10,000 of expenses and no state tax. Your result depends on expenses, filing status and state.

Should I budget from gross or take-home pay?

Always from take-home pay. Gross revenue includes money that belongs to taxes and business costs.

Sources and further reading