All calculators
Every GigWorkerTools calculator
Free tools to see what gig work really pays. Pick the question you’re trying to answer — no sign-up, and everything runs right in your browser.
Available now
Real Take-Home Pay
Your true hourly wage after fuel, wear, and taxes — not the number the app shows you.
Open calculator →Tax Refund Estimator
Will you get a refund or owe in April? Includes SE tax, mileage, tips and your Jan 15 penalty check.
Open calculator →Quarterly Tax Estimator
How much to set aside each quarter so April doesn’t wreck you. Built on 2026 IRS figures.
Open calculator →Mileage Deduction
What your business miles are worth at tax time — with the 2026 mid-year rate change built in.
Open calculator →Self-Employment Tax
Your 2026 Social Security and Medicare tax on 1099 profit — plus the deductible half that lowers your income tax.
Open calculator →How Much to Set Aside?
See what percent of every dollar to stash for taxes, expenses, and a buffer — and what you actually keep.
Open calculator →Standard Mileage vs. Actual Expenses
Find out which IRS method gives you the bigger 2026 car deduction, with the 72.5¢ and 76¢ rate split built in.
Open calculator →No Tax on Tips
See your 2026 tip deduction, the income tax it saves, and the Social Security and Medicare you still owe.
Open calculator →Which Gig App Pays More
Compare two apps side by side on real hourly and per-mile pay — after fuel and wear, not just gross.
Open calculator →Freelance Hourly Rate
The rate you need to charge after self-employment tax, expenses, and the hours you can’t bill — the honest number.
Open calculator →1099 vs W-2 Calculator
Compare a contractor offer to a salaried job after self-employment tax and lost benefits — and the rate to break even.
Open calculator →Income Goal Calculator
Set the take-home pay you want and see the real hours it takes to hit it — after costs and taxes.
Open calculator →Solo 401(k) vs. SEP-IRA
See the most you can stash for retirement in 2026 from your 1099 profit, and the income tax it saves.
Open calculator →ACA Health Insurance Subsidy (2027)
Estimate your Marketplace subsidy from gig income and see if you’re near the 400% cliff.
Open calculator →Emergency Fund
How much cash to keep for when the apps dry up, with a buffer for your slow months.
Open calculator →Bank Account Fees
Add up monthly, ATM, overdraft and instant-cashout fees and see which account keeps more of your pay.
Open calculator →More coming soon
New calculators are added regularly — check back soon.