Calculators for the money questions every freelancer runs into: payment fees, taxes and billable time. Get an answer in seconds, then get back to work.
7 free calculators
Nothing to install
Rates updated for 2026
Free tools
Pick a tool
Each one runs right in your browser, so nothing you type ever leaves your device.
Get paid
Invoice clients, take card payments and charge late fees without losing money on the way.
4 tools- $0No sign-up, no watermark
Make an invoice and download it as a PDF
Free invoice generator
Make an invoice with your logo, tax and discounts, then download a PDF.
Create an invoice - 2.9% + 30¢Standard US card fee
Know what Stripe takes from a card payment
Stripe fee calculator
See what Stripe takes and what to charge so you receive the full amount.
Open calculator - 3.49% + 49¢US PayPal invoice fee
Invoice through PayPal without losing the fee
PayPal fee calculator
Work out PayPal’s cut, including cross-border and currency conversion fees.
Open calculator - 1.5% a monthTypical late fee on business invoices
Charge a late fee on an overdue invoice
Late fee calculator
Get the late fee and the new total for an overdue invoice.
Open calculator
Taxes
Know what to set aside from every payment and what to pay each quarter.
2 tools- 4 paymentsYour 2026 quarterly estimated taxes
Work out your quarterly tax payments
Freelance tax calculator
Estimate your 2026 federal, self-employment and state taxes.
Open calculator - 15.3%Self-employment tax rate
Plan how much to set aside for US taxes
Self-employment tax calculator
See your self-employment and income tax and a set-aside for every quarter.
Open calculator
Time & pricing
See where your hours go and turn them into an invoice total.
2 tools- 60–75%Typical billable range for freelancers
See how much of your week you actually bill
Utilization rate calculator
Find your billable share of hours and your real hourly rate.
Open calculator - 0.25 h= 15 minutes of billable time
Turn a week of hours into an invoice total
Billable hours calculator
Turn tracked time into decimal hours and an invoice total.
Open calculator
From the blog
Jul 16, 2024
Setting Freelance Rates: A Guide to Pricing Your Services Competitively and Fairly
Get tips and insights to set competitive and fair pricing for your services
Mar 16, 2024
The freelancer's guide to tax season
A freelancer's checklist for tax season: the records to gather, which 1099 forms to expect, estimated tax deadlines, safe harbor rules and when to get help.
Apr 8, 2023
How to Get Paid as a Freelancer
How to get paid as a freelancer: compare PayPal, Stripe, Wise, Venmo, ACH and checks by fees and speed, and set up invoices so clients pay on time.
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Onigiri turns your hours and rates into a professional invoice in a minute, and lets clients pay online. Free to start.
