Embed Our Free Freelance Calculators

Maintained by Maya Ellison

Put any of our 23 calculators on your blog, newsletter archive, or community resource page. Try each widget live below, then copy its code and paste it into your HTML — no iframe, no dependencies, no tracking, no sign-up for your readers either.

How it works

Pick a calculator below that fits your audience — tax tools for finance posts, rate tools for pricing posts.
Copy the snippet with the button (or select the box by hand).
Paste it into your page HTML where you want the card to appear.

The terms (short version)

Free for blogs, newsletters, communities, and course pages. Two rules: keep both links in the snippet — the tool link and the visible "Powered by Solo Money Tools" attribution — intact and crawlable, and don't put our tools behind your paywall or resell them. Figures update when tax rules change; embedded cards always point at the live calculator, so your readers get current numbers without you lifting a finger.

Tax calculators

Each widget below works live — try it, then copy its code. Every figure matches the full calculator on our site.

Freelance Tax Set-Aside Calculator — live widget + embed code

Freelance Tax Set-Aside Calculator Payment amount ($) Income tax rate (%) Self-employment tax rate (%) Other set-aside (%)

<div class="fmcw" id="fmc-tax">
<style>
.fmcw{
max-width:460px;
padding:16px;
border:1px solid #dfe3e8;
border-radius:12px;
background:#fff;
color:#16202a;
}
.fmcw .fmcw-title{
display:block;
font-size:17px;
margin:0 0 10px;
}
.fmcw .fmcw-lab{
display:block;
margin:0 0 8px;
font-size:14px;
}
.fmcw .fmcw-inp{
display:block;
width:100%;
margin:4px 0 0;
padding:8px;
box-sizing:border-box;
}
.fmcw .fmcw-res{
margin:12px 0 0;
padding:12px;
border-radius:8px;
background:#f4f7f9;
}
.fmcw .fmcw-big{
font-size:20px;
font-weight:700;
}
.fmcw .fmcw-note{
margin:6px 0 0;
font-size:13px;
}
.fmcw .fmcw-attr{
margin:10px 0 0;
font-size:12px;
}
</style>
<strong class="fmcw-title">Freelance Tax Set-Aside Calculator</strong>
<label class="fmcw-lab">Payment amount ($)<input class="fmcw-inp" type="number" id="fmc-tax-pay" value="1000" min="0"></label>
<label class="fmcw-lab">Income tax rate (%)<input class="fmcw-inp" type="number" id="fmc-tax-inc" value="15" min="0"></label>
<label class="fmcw-lab">Self-employment tax rate (%)<input class="fmcw-inp" type="number" id="fmc-tax-se" value="15.3" min="0"></label>
<label class="fmcw-lab">Other set-aside (%)<input class="fmcw-inp" type="number" id="fmc-tax-oth" value="0" min="0"></label>
<div class="fmcw-res" id="fmc-tax-result"></div>
<script>
(function(){
function n(id){return parseFloat(document.getElementById(id).value)||0;}
function m(x){return new Intl.NumberFormat(undefined,{style:'currency',currency:'USD',maximumFractionDigits:2}).format(x);}
function run(){
var pay=n('fmc-tax-pay'),inc=n('fmc-tax-inc')/100,se=n('fmc-tax-se')/100,oth=n('fmc-tax-oth')/100;
var a=pay*inc,b=se>0?pay*0.9235*se:0,c=pay*oth,t=a+b+c,k=pay-t;
document.getElementById('fmc-tax-result').innerHTML='<div class="fmcw-big">Set aside '+m(t)+'</div><p class="fmcw-note">'+(100*(inc+se+oth)).toFixed(1)+'% of payment. You keep '+m(k)+'.</p>';
}
['fmc-tax-pay','fmc-tax-inc','fmc-tax-se','fmc-tax-oth'].forEach(function(id){document.getElementById(id).addEventListener('input',run);});
run();
})();
</script>
<p class="fmcw-attr">Powered by <a href="https://solomoneytools.com/tools/tax/" rel="noopener">Solo Money Tools</a></p>
</div>

Mixed W-2 and 1099 Tax Calculator — live widget + embed code

Mixed W-2 and 1099 Tax Calculator W-2 wages ($) 1099 freelance net profit ($) Marginal income tax rate (%) Social Security wage base ($)

<div class="fmcw" id="fmc-mixed-tax">
<style>
.fmcw{
max-width:460px;
padding:16px;
border:1px solid #dfe3e8;
border-radius:12px;
background:#fff;
color:#16202a;
}
.fmcw .fmcw-title{
display:block;
font-size:17px;
margin:0 0 10px;
}
.fmcw .fmcw-lab{
display:block;
margin:0 0 8px;
font-size:14px;
}
.fmcw .fmcw-inp{
display:block;
width:100%;
margin:4px 0 0;
padding:8px;
box-sizing:border-box;
}
.fmcw .fmcw-res{
margin:12px 0 0;
padding:12px;
border-radius:8px;
background:#f4f7f9;
}
.fmcw .fmcw-big{
font-size:20px;
font-weight:700;
}
.fmcw .fmcw-note{
margin:6px 0 0;
font-size:13px;
}
.fmcw .fmcw-attr{
margin:10px 0 0;
font-size:12px;
}
</style>
<strong class="fmcw-title">Mixed W-2 and 1099 Tax Calculator</strong>
<label class="fmcw-lab">W-2 wages ($)<input class="fmcw-inp" type="number" id="fmc-mixed-tax-w2" value="95000" min="0" step="500"></label>
<label class="fmcw-lab">1099 freelance net profit ($)<input class="fmcw-inp" type="number" id="fmc-mixed-tax-net" value="30000" min="0" step="500"></label>
<label class="fmcw-lab">Marginal income tax rate (%)<input class="fmcw-inp" type="number" id="fmc-mixed-tax-br" value="22" min="0"></label>
<label class="fmcw-lab">Social Security wage base ($)<input class="fmcw-inp" type="number" id="fmc-mixed-tax-base" value="184500" min="0" step="500"></label>
<div class="fmcw-res" id="fmc-mixed-tax-result"></div>
<script>
(function(){
function n(id){return parseFloat(document.getElementById(id).value)||0;}
function m(x){return new Intl.NumberFormat(undefined,{style:'currency',currency:'USD',maximumFractionDigits:2}).format(x);}
function run(){
var w2=n('fmc-mixed-tax-w2'),net=n('fmc-mixed-tax-net'),br=n('fmc-mixed-tax-br')/100,base=n('fmc-mixed-tax-base');
var e=net*0.9235,room=Math.max(0,base-w2),ss=Math.min(e,room)*0.124,med=e*0.029,inc=net*br,t=ss+med+inc;
document.getElementById('fmc-mixed-tax-result').innerHTML='<div class="fmcw-big">Set aside '+m(t)+'</div><p class="fmcw-note">SE tax '+m(ss+med)+' (room '+m(room)+') + income tax '+m(inc)+'.</p>';
}
['fmc-mixed-tax-w2','fmc-mixed-tax-net','fmc-mixed-tax-br','fmc-mixed-tax-base'].forEach(function(id){document.getElementById(id).addEventListener('input',run);});
run();
})();
</script>
<p class="fmcw-attr">Powered by <a href="https://solomoneytools.com/tools/mixed-tax/" rel="noopener">Solo Money Tools</a></p>
</div>

Quarterly Estimated Tax Calculator — live widget + embed code

Quarterly Estimated Tax Calculator Annual net self-employment profit ($) Income tax rate (%) Already paid this year ($)

<div class="fmcw" id="fmc-quarterly-tax">
<style>
.fmcw{
max-width:460px;
padding:16px;
border:1px solid #dfe3e8;
border-radius:12px;
background:#fff;
color:#16202a;
}
.fmcw .fmcw-title{
display:block;
font-size:17px;
margin:0 0 10px;
}
.fmcw .fmcw-lab{
display:block;
margin:0 0 8px;
font-size:14px;
}
.fmcw .fmcw-inp{
display:block;
width:100%;
margin:4px 0 0;
padding:8px;
box-sizing:border-box;
}
.fmcw .fmcw-res{
margin:12px 0 0;
padding:12px;
border-radius:8px;
background:#f4f7f9;
}
.fmcw .fmcw-big{
font-size:20px;
font-weight:700;
}
.fmcw .fmcw-note{
margin:6px 0 0;
font-size:13px;
}
.fmcw .fmcw-attr{
margin:10px 0 0;
font-size:12px;
}
</style>
<strong class="fmcw-title">Quarterly Estimated Tax Calculator</strong>
<label class="fmcw-lab">Annual net self-employment profit ($)<input class="fmcw-inp" type="number" id="fmc-quarterly-tax-profit" value="60000" min="0" step="500"></label>
<label class="fmcw-lab">Income tax rate (%)<input class="fmcw-inp" type="number" id="fmc-quarterly-tax-rate" value="22" min="0"></label>
<label class="fmcw-lab">Already paid this year ($)<input class="fmcw-inp" type="number" id="fmc-quarterly-tax-paid" value="0" min="0" step="100"></label>
<div class="fmcw-res" id="fmc-quarterly-tax-result"></div>
<script>
(function(){
function n(id){return parseFloat(document.getElementById(id).value)||0;}
function m(x){return new Intl.NumberFormat(undefined,{style:'currency',currency:'USD',maximumFractionDigits:2}).format(x);}
function run(){
var p=n('fmc-quarterly-tax-profit'),r=n('fmc-quarterly-tax-rate')/100,paid=n('fmc-quarterly-tax-paid');
var se=p*0.9235*0.153,inc=p*r,t=se+inc,q=t/4,rem=t-paid;
document.getElementById('fmc-quarterly-tax-result').innerHTML='<div class="fmcw-big">'+m(q)+' / quarter</div><p class="fmcw-note">Annual '+m(t)+' (SE '+m(se)+' + income '+m(inc)+'). Left to pay: '+m(rem)+'.</p>';
}
['fmc-quarterly-tax-profit','fmc-quarterly-tax-rate','fmc-quarterly-tax-paid'].forEach(function(id){document.getElementById(id).addEventListener('input',run);});
run();
})();
</script>
<p class="fmcw-attr">Powered by <a href="https://solomoneytools.com/tools/quarterly-tax/" rel="noopener">Solo Money Tools</a></p>
</div>

1099 Tax Calculator — live widget + embed code

1099 Tax Calculator Gross 1099 income ($) Business expenses ($) Income tax rate (%)

<div class="fmcw" id="fmc-1099-tax">
<style>
.fmcw{
max-width:460px;
padding:16px;
border:1px solid #dfe3e8;
border-radius:12px;
background:#fff;
color:#16202a;
}
.fmcw .fmcw-title{
display:block;
font-size:17px;
margin:0 0 10px;
}
.fmcw .fmcw-lab{
display:block;
margin:0 0 8px;
font-size:14px;
}
.fmcw .fmcw-inp{
display:block;
width:100%;
margin:4px 0 0;
padding:8px;
box-sizing:border-box;
}
.fmcw .fmcw-res{
margin:12px 0 0;
padding:12px;
border-radius:8px;
background:#f4f7f9;
}
.fmcw .fmcw-big{
font-size:20px;
font-weight:700;
}
.fmcw .fmcw-note{
margin:6px 0 0;
font-size:13px;
}
.fmcw .fmcw-attr{
margin:10px 0 0;
font-size:12px;
}
</style>
<strong class="fmcw-title">1099 Tax Calculator</strong>
<label class="fmcw-lab">Gross 1099 income ($)<input class="fmcw-inp" type="number" id="fmc-1099-tax-gross" value="80000" min="0" step="500"></label>
<label class="fmcw-lab">Business expenses ($)<input class="fmcw-inp" type="number" id="fmc-1099-tax-exp" value="12000" min="0" step="500"></label>
<label class="fmcw-lab">Income tax rate (%)<input class="fmcw-inp" type="number" id="fmc-1099-tax-rate" value="22" min="0"></label>
<div class="fmcw-res" id="fmc-1099-tax-result"></div>
<script>
(function(){
function n(id){return parseFloat(document.getElementById(id).value)||0;}
function m(x){return new Intl.NumberFormat(undefined,{style:'currency',currency:'USD',maximumFractionDigits:2}).format(x);}
function run(){
var g=n('fmc-1099-tax-gross'),x=n('fmc-1099-tax-exp'),r=n('fmc-1099-tax-rate')/100;
var p=g-x,se=p*0.9235*0.153,inc=p*r,t=se+inc,s=p>0?100*t/p:0;
document.getElementById('fmc-1099-tax-result').innerHTML='<div class="fmcw-big">Owe '+m(t)+'</div><p class="fmcw-note">Profit '+m(p)+' (SE '+m(se)+' + income '+m(inc)+'). Set aside '+s.toFixed(1)+'%.</p>';
}
['fmc-1099-tax-gross','fmc-1099-tax-exp','fmc-1099-tax-rate'].forEach(function(id){document.getElementById(id).addEventListener('input',run);});
run();
})();
</script>
<p class="fmcw-attr">Powered by <a href="https://solomoneytools.com/tools/1099-tax/" rel="noopener">Solo Money Tools</a></p>
</div>

QBI Deduction Calculator — live widget + embed code

QBI Deduction Calculator Qualified business income ($) Taxable income before QBI ($) Filing status

<div class="fmcw" id="fmc-qbi">
<style>
.fmcw{
max-width:460px;
padding:16px;
border:1px solid #dfe3e8;
border-radius:12px;
background:#fff;
color:#16202a;
}
.fmcw .fmcw-title{
display:block;
font-size:17px;
margin:0 0 10px;
}
.fmcw .fmcw-lab{
display:block;
margin:0 0 8px;
font-size:14px;
}
.fmcw .fmcw-inp{
display:block;
width:100%;
margin:4px 0 0;
padding:8px;
box-sizing:border-box;
}
.fmcw .fmcw-res{
margin:12px 0 0;
padding:12px;
border-radius:8px;
background:#f4f7f9;
}
.fmcw .fmcw-big{
font-size:20px;
font-weight:700;
}
.fmcw .fmcw-note{
margin:6px 0 0;
font-size:13px;
}
.fmcw .fmcw-attr{
margin:10px 0 0;
font-size:12px;
}
</style>
<strong class="fmcw-title">QBI Deduction Calculator</strong>
<label class="fmcw-lab">Qualified business income ($)<input class="fmcw-inp" type="number" id="fmc-qbi-qbi" value="120000" min="0"></label>
<label class="fmcw-lab">Taxable income before QBI ($)<input class="fmcw-inp" type="number" id="fmc-qbi-tax" value="160000" min="0"></label>
<label class="fmcw-lab">Filing status
<select class="fmcw-inp" id="fmc-qbi-file">
<option value="single" selected>Single</option>
<option value="mfj">Married filing jointly</option>
</select>
</label>
<div class="fmcw-res" id="fmc-qbi-result"></div>
<script>
(function(){
function n(id){return parseFloat(document.getElementById(id).value)||0;}
function m(x){return new Intl.NumberFormat(undefined,{style:'currency',currency:'USD',maximumFractionDigits:2}).format(x);}
function run(){
var q=n('fmc-qbi-qbi'),t=n('fmc-qbi-tax'),fl=document.getElementById('fmc-qbi-file').value;
var th=fl==='mfj'?403500:201750,pe=fl==='mfj'?553500:276750,d=0;
if(t<=th){d=Math.min(q*0.20,t*0.20);}else if(t<pe){d=Math.min(Math.max(0,q*0.20-(t-th)*0.5),t*0.20);}
document.getElementById('fmc-qbi-result').innerHTML='<div class="fmcw-big">Deduction '+m(d)+'</div><p class="fmcw-note">20% of QBI, 2026 thresholds.</p>';
}
['fmc-qbi-qbi','fmc-qbi-tax','fmc-qbi-file'].forEach(function(id){document.getElementById(id).addEventListener('input',run);});
run();
})();
</script>
<p class="fmcw-attr">Powered by <a href="https://solomoneytools.com/tools/qbi/" rel="noopener">Solo Money Tools</a></p>
</div>

Solo 401(k) Contribution Calculator — live widget + embed code

Solo 401(k) Contribution Calculator Compensation for deferral cap ($) Net self-employment income ($) Age Employee deferral limit ($)

<div class="fmcw" id="fmc-solo-401k">
<style>
.fmcw{
max-width:460px;
padding:16px;
border:1px solid #dfe3e8;
border-radius:12px;
background:#fff;
color:#16202a;
}
.fmcw .fmcw-title{
display:block;
font-size:17px;
margin:0 0 10px;
}
.fmcw .fmcw-lab{
display:block;
margin:0 0 8px;
font-size:14px;
}
.fmcw .fmcw-inp{
display:block;
width:100%;
margin:4px 0 0;
padding:8px;
box-sizing:border-box;
}
.fmcw .fmcw-res{
margin:12px 0 0;
padding:12px;
border-radius:8px;
background:#f4f7f9;
}
.fmcw .fmcw-big{
font-size:20px;
font-weight:700;
}
.fmcw .fmcw-note{
margin:6px 0 0;
font-size:13px;
}
.fmcw .fmcw-attr{
margin:10px 0 0;
font-size:12px;
}
</style>
<strong class="fmcw-title">Solo 401(k) Contribution Calculator</strong>
<label class="fmcw-lab">Compensation for deferral cap ($)<input class="fmcw-inp" type="number" id="fmc-solo-401k-comp" value="80000" min="0"></label>
<label class="fmcw-lab">Net self-employment income ($)<input class="fmcw-inp" type="number" id="fmc-solo-401k-net" value="100000" min="0"></label>
<label class="fmcw-lab">Age<input class="fmcw-inp" type="number" id="fmc-solo-401k-age" value="35" min="0"></label>
<label class="fmcw-lab">Employee deferral limit ($)<input class="fmcw-inp" type="number" id="fmc-solo-401k-lim" value="24500" min="0"></label>
<div class="fmcw-res" id="fmc-solo-401k-result"></div>
<script>
(function(){
function n(id){return parseFloat(document.getElementById(id).value)||0;}
function m(x){return new Intl.NumberFormat(undefined,{style:'currency',currency:'USD',maximumFractionDigits:2}).format(x);}
function run(){
var c=n('fmc-solo-401k-comp'),net=n('fmc-solo-401k-net'),age=n('fmc-solo-401k-age'),lim=n('fmc-solo-401k-lim')||24500;
var cu=age>=50?8000:0,ee=Math.min(c,lim+cu),er=net*0.20,cap=72000+cu,t=Math.min(ee+er,cap);
document.getElementById('fmc-solo-401k-result').innerHTML='<div class="fmcw-big">Total '+m(t)+'</div><p class="fmcw-note">Employee '+m(ee)+' + employer '+m(er)+'.</p>';
}
['fmc-solo-401k-comp','fmc-solo-401k-net','fmc-solo-401k-age','fmc-solo-401k-lim'].forEach(function(id){document.getElementById(id).addEventListener('input',run);});
run();
})();
</script>
<p class="fmcw-attr">Powered by <a href="https://solomoneytools.com/tools/solo-401k/" rel="noopener">Solo Money Tools</a></p>
</div>

Mileage Deduction Calculator — live widget + embed code

Mileage Deduction Calculator Method Business miles driven Standard rate (cents/mile) Total car costs this year ($) Total miles driven (all use)

<div class="fmcw" id="fmc-mileage">
<style>
.fmcw{
max-width:460px;
padding:16px;
border:1px solid #dfe3e8;
border-radius:12px;
background:#fff;
color:#16202a;
}
.fmcw .fmcw-title{
display:block;
font-size:17px;
margin:0 0 10px;
}
.fmcw .fmcw-lab{
display:block;
margin:0 0 8px;
font-size:14px;
}
.fmcw .fmcw-inp{
display:block;
width:100%;
margin:4px 0 0;
padding:8px;
box-sizing:border-box;
}
.fmcw .fmcw-res{
margin:12px 0 0;
padding:12px;
border-radius:8px;
background:#f4f7f9;
}
.fmcw .fmcw-big{
font-size:20px;
font-weight:700;
}
.fmcw .fmcw-note{
margin:6px 0 0;
font-size:13px;
}
.fmcw .fmcw-attr{
margin:10px 0 0;
font-size:12px;
}
</style>
<strong class="fmcw-title">Mileage Deduction Calculator</strong>
<label class="fmcw-lab">Method
<select class="fmcw-inp" id="fmc-mileage-mode">
<option value="standard" selected>Standard mileage rate</option>
<option value="actual">Actual expenses</option>
</select>
</label>
<label class="fmcw-lab">Business miles driven<input class="fmcw-inp" type="number" id="fmc-mileage-miles" value="8000" min="0"></label>
<label class="fmcw-lab">Standard rate (cents/mile)<input class="fmcw-inp" type="number" id="fmc-mileage-rate" value="76" min="0"></label>
<label class="fmcw-lab">Total car costs this year ($)<input class="fmcw-inp" type="number" id="fmc-mileage-costs" value="6000" min="0"></label>
<label class="fmcw-lab">Total miles driven (all use)<input class="fmcw-inp" type="number" id="fmc-mileage-total" value="12000" min="1"></label>
<div class="fmcw-res" id="fmc-mileage-result"></div>
<script>
(function(){
function n(id){return parseFloat(document.getElementById(id).value)||0;}
function m(x){return new Intl.NumberFormat(undefined,{style:'currency',currency:'USD',maximumFractionDigits:2}).format(x);}
function run(){
var mo=document.getElementById('fmc-mileage-mode').value,mi=n('fmc-mileage-miles'),d=0,note='';
if(mo==='standard'){d=mi*(n('fmc-mileage-rate')/100);note='2026 standard rate, 76 cents/mile.';}
else{var a=n('fmc-mileage-costs'),tm=n('fmc-mileage-total');d=a*(mi/Math.max(1,tm||mi));note='Actual costs x business-use %.';}
document.getElementById('fmc-mileage-result').innerHTML='<div class="fmcw-big">Deduction '+m(d)+'</div><p class="fmcw-note">'+note+'</p>';
}
['fmc-mileage-mode','fmc-mileage-miles','fmc-mileage-rate','fmc-mileage-costs','fmc-mileage-total'].forEach(function(id){document.getElementById(id).addEventListener('input',run);});
run();
})();
</script>
<p class="fmcw-attr">Powered by <a href="https://solomoneytools.com/tools/mileage/" rel="noopener">Solo Money Tools</a></p>
</div>

Home Office Deduction Calculator — live widget + embed code

Home office deduction: simplified vs actual Office area (sq ft) Total home area (sq ft) Monthly rent or mortgage ($) Monthly utilities + insurance ($)

<div class="fmcw" id="fmc-home-office">
<style>
.fmcw {
  font-family: inherit;
  max-width: 440px;
  border: 1px solid #d9d9d9;
  border-radius: 12px;
  padding: 16px;
  background: #ffffff;
}
.fmcw .fmcw-title {
  display: block;
  font-size: 1.05rem;
  margin-bottom: 10px;
}
.fmcw .fmcw-label {
  display: block;
  font-size: 0.88rem;
  margin: 8px 0;
}
.fmcw .fmcw-input {
  display: block;
  width: 100%;
  padding: 8px;
  margin-top: 4px;
  box-sizing: border-box;
}
.fmcw .fmcw-input:focus {
  outline: 2px solid #1c4ed8;
}
.fmcw .fmcw-result {
  margin-top: 12px;
  font-weight: bold;
}
.fmcw .fmcw-note {
  font-weight: normal;
  font-size: 0.85rem;
}
.fmcw .fmcw-attr {
  font-size: 0.8rem;
  margin-top: 12px;
}
.fmcw .fmcw-a {
  text-decoration: underline;
}
</style>
<strong class="fmcw-title">Home office deduction: simplified vs actual</strong>
<label class="fmcw-label">Office area (sq ft)<input class="fmcw-input" type="number" id="fmc-home-office-sqft" value="120" min="0"></label>
<label class="fmcw-label">Total home area (sq ft)<input class="fmcw-input" type="number" id="fmc-home-office-total" value="1200" min="0"></label>
<label class="fmcw-label">Monthly rent or mortgage ($)<input class="fmcw-input" type="number" id="fmc-home-office-rent" value="1800" min="0"></label>
<label class="fmcw-label">Monthly utilities + insurance ($)<input class="fmcw-input" type="number" id="fmc-home-office-other" value="200" min="0"></label>
<div class="fmcw-result" id="fmc-home-office-result" aria-live="polite"></div>
<p class="fmcw-attr">Powered by <a class="fmcw-a" href="https://solomoneytools.com/" rel="noopener">Solo Money Tools</a> &middot; <a class="fmcw-a" href="https://solomoneytools.com/tools/home-office/" rel="noopener">Try the full calculator</a></p>
<script>
(function () {
'use strict';
function num(id) {
var el = document.getElementById(id);
var n = parseFloat(el.value);
return isNaN(n) ? 0 : n;
}
function money(n) {
return '$' + n.toLocaleString(undefined, { minimumFractionDigits: 2, maximumFractionDigits: 2 });
}
function calc() {
var sqft = num('fmc-home-office-sqft');
var total = num('fmc-home-office-total');
var rent = num('fmc-home-office-rent');
var other = num('fmc-home-office-other');
var simple = Math.min(5 * sqft, 1500);
var pct = total > 0 ? sqft / total : 0;
var actual = (rent + other) * pct * 12;
var better = actual > simple ? 'actual' : 'simplified';
var out = document.getElementById('fmc-home-office-result');
out.textContent = 'Simplified ' + money(simple) + ' vs actual ' + money(actual) + ' \u2014 ' + better + ' method wins.';
}
var ids = ['fmc-home-office-sqft', 'fmc-home-office-total', 'fmc-home-office-rent', 'fmc-home-office-other'];
ids.forEach(function (id) {
document.getElementById(id).addEventListener('input', calc);
});
calc();
})();
</script>
</div>

Rate and business calculators

Freelance Hourly Rate Calculator — live widget + embed code

Freelance Hourly Rate Calculator Target yearly take-home ($) Yearly business expenses ($) Billable hours per week Weeks off per year Combined tax + fees rate (%)

<div class="fmcw" id="fmc-rate">
<style>
.fmcw{
max-width:460px;
padding:16px;
border:1px solid #dfe3e8;
border-radius:12px;
background:#fff;
color:#16202a;
}
.fmcw .fmcw-title{
display:block;
font-size:17px;
margin:0 0 10px;
}
.fmcw .fmcw-lab{
display:block;
margin:0 0 8px;
font-size:14px;
}
.fmcw .fmcw-inp{
display:block;
width:100%;
margin:4px 0 0;
padding:8px;
box-sizing:border-box;
}
.fmcw .fmcw-res{
margin:12px 0 0;
padding:12px;
border-radius:8px;
background:#f4f7f9;
}
.fmcw .fmcw-big{
font-size:20px;
font-weight:700;
}
.fmcw .fmcw-note{
margin:6px 0 0;
font-size:13px;
}
.fmcw .fmcw-attr{
margin:10px 0 0;
font-size:12px;
}
</style>
<strong class="fmcw-title">Freelance Hourly Rate Calculator</strong>
<label class="fmcw-lab">Target yearly take-home ($)<input class="fmcw-inp" type="number" id="fmc-rate-inc" value="60000" min="0"></label>
<label class="fmcw-lab">Yearly business expenses ($)<input class="fmcw-inp" type="number" id="fmc-rate-exp" value="3000" min="0"></label>
<label class="fmcw-lab">Billable hours per week<input class="fmcw-inp" type="number" id="fmc-rate-h" value="25" min="0"></label>
<label class="fmcw-lab">Weeks off per year<input class="fmcw-inp" type="number" id="fmc-rate-off" value="6" min="0"></label>
<label class="fmcw-lab">Combined tax + fees rate (%)<input class="fmcw-inp" type="number" id="fmc-rate-tax" value="30" min="0"></label>
<div class="fmcw-res" id="fmc-rate-result"></div>
<script>
(function(){
function n(id){return parseFloat(document.getElementById(id).value)||0;}
function m(x){return new Intl.NumberFormat(undefined,{style:'currency',currency:'USD',maximumFractionDigits:2}).format(x);}
function run(){
var inc=n('fmc-rate-inc'),exp=n('fmc-rate-exp'),h=n('fmc-rate-h'),off=n('fmc-rate-off'),tax=n('fmc-rate-tax')/100;
var b=h*(52-off),r=(h>0&&tax<1)?(inc+exp)/(1-tax)/b:0;
document.getElementById('fmc-rate-result').innerHTML='<div class="fmcw-big">'+m(r)+' /hr</div><p class="fmcw-note">Based on '+b.toFixed(0)+' billable hrs/yr. Rate=(income+expenses)/(1-tax)/billable.</p>';
}
['fmc-rate-inc','fmc-rate-exp','fmc-rate-h','fmc-rate-off','fmc-rate-tax'].forEach(function(id){document.getElementById(id).addEventListener('input',run);});
run();
})();
</script>
<p class="fmcw-attr">Powered by <a href="https://solomoneytools.com/tools/rate/" rel="noopener">Solo Money Tools</a> (<a href="https://solomoneytools.com/" rel="noopener">solomoneytools.com</a>)</p>
</div>

Salary to Contract Rate Converter — live widget + embed code

Salary to Contract Rate Converter Annual salary ($) Contract weeks off per year Contract hours per week Self-funded benefits ($/yr) Extra contractor tax (%)

<div class="fmcw" id="fmc-contract">
<style>
.fmcw{
max-width:460px;
padding:16px;
border:1px solid #dfe3e8;
border-radius:12px;
background:#fff;
color:#16202a;
}
.fmcw .fmcw-title{
display:block;
font-size:17px;
margin:0 0 10px;
}
.fmcw .fmcw-lab{
display:block;
margin:0 0 8px;
font-size:14px;
}
.fmcw .fmcw-inp{
display:block;
width:100%;
margin:4px 0 0;
padding:8px;
box-sizing:border-box;
}
.fmcw .fmcw-res{
margin:12px 0 0;
padding:12px;
border-radius:8px;
background:#f4f7f9;
}
.fmcw .fmcw-big{
font-size:20px;
font-weight:700;
}
.fmcw .fmcw-note{
margin:6px 0 0;
font-size:13px;
}
.fmcw .fmcw-attr{
margin:10px 0 0;
font-size:12px;
}
</style>
<strong class="fmcw-title">Salary to Contract Rate Converter</strong>
<label class="fmcw-lab">Annual salary ($)<input class="fmcw-inp" type="number" id="fmc-contract-sal" value="80000" min="0"></label>
<label class="fmcw-lab">Contract weeks off per year<input class="fmcw-inp" type="number" id="fmc-contract-off" value="5" min="0"></label>
<label class="fmcw-lab">Contract hours per week<input class="fmcw-inp" type="number" id="fmc-contract-h" value="40" min="0"></label>
<label class="fmcw-lab">Self-funded benefits ($/yr)<input class="fmcw-inp" type="number" id="fmc-contract-ben" value="8000" min="0"></label>
<label class="fmcw-lab">Extra contractor tax (%)<input class="fmcw-inp" type="number" id="fmc-contract-ext" value="15" min="0"></label>
<div class="fmcw-res" id="fmc-contract-result"></div>
<script>
(function(){
function n(id){return parseFloat(document.getElementById(id).value)||0;}
function m(x){return new Intl.NumberFormat(undefined,{style:'currency',currency:'USD',maximumFractionDigits:2}).format(x);}
function run(){
var s=n('fmc-contract-sal'),off=n('fmc-contract-off'),h=n('fmc-contract-h'),ben=n('fmc-contract-ben'),ext=n('fmc-contract-ext')/100;
var w=Math.max(0,52-off),g=(s+ben)*(1+ext),r=(h>0&&w>0)?g/(w*h):0;
document.getElementById('fmc-contract-result').innerHTML='<div class="fmcw-big">'+m(r)+' /hr</div><p class="fmcw-note">Naive salary/2080: '+m(s/2080)+'/hr. Rate=(salary+benefits)x(1+extraTax)/(weeks x hrs).</p>';
}
['fmc-contract-sal','fmc-contract-off','fmc-contract-h','fmc-contract-ben','fmc-contract-ext'].forEach(function(id){document.getElementById(id).addEventListener('input',run);});
run();
})();
</script>
<p class="fmcw-attr">Powered by <a href="https://solomoneytools.com/tools/contract/" rel="noopener">Solo Money Tools</a> (<a href="https://solomoneytools.com/" rel="noopener">solomoneytools.com</a>)</p>
</div>

Day Rate to Hourly Converter — live widget + embed code

Day Rate to Hourly Converter Direction Amount ($) Paid hours in a day

<div class="fmcw" id="fmc-day-rate">
<style>
.fmcw{
max-width:460px;
padding:16px;
border:1px solid #dfe3e8;
border-radius:12px;
background:#fff;
color:#16202a;
}
.fmcw .fmcw-title{
display:block;
font-size:17px;
margin:0 0 10px;
}
.fmcw .fmcw-lab{
display:block;
margin:0 0 8px;
font-size:14px;
}
.fmcw .fmcw-inp{
display:block;
width:100%;
margin:4px 0 0;
padding:8px;
box-sizing:border-box;
}
.fmcw .fmcw-res{
margin:12px 0 0;
padding:12px;
border-radius:8px;
background:#f4f7f9;
}
.fmcw .fmcw-big{
font-size:20px;
font-weight:700;
}
.fmcw .fmcw-note{
margin:6px 0 0;
font-size:13px;
}
.fmcw .fmcw-attr{
margin:10px 0 0;
font-size:12px;
}
</style>
<strong class="fmcw-title">Day Rate to Hourly Converter</strong>
<label class="fmcw-lab">Direction
<select class="fmcw-inp" id="fmc-day-rate-dir">
<option value="day-to-hour" selected>Day rate to hourly</option>
<option value="hour-to-day">Hourly to day rate</option>
</select>
</label>
<label class="fmcw-lab">Amount ($)<input class="fmcw-inp" type="number" id="fmc-day-rate-amt" value="400" min="0"></label>
<label class="fmcw-lab">Paid hours in a day<input class="fmcw-inp" type="number" id="fmc-day-rate-h" value="6" min="0" step="0.5"></label>
<div class="fmcw-res" id="fmc-day-rate-result"></div>
<script>
(function(){
function n(id){return parseFloat(document.getElementById(id).value)||0;}
function m(x){return new Intl.NumberFormat(undefined,{style:'currency',currency:'USD',maximumFractionDigits:2}).format(x);}
function run(){
var d=document.getElementById('fmc-day-rate-dir').value,a=n('fmc-day-rate-amt'),h=n('fmc-day-rate-h');
var o=(d==='day-to-hour')?(h>0?a/h:0):a*h;
var t=(d==='day-to-hour')?m(o)+' /hr':m(o)+' /day';
document.getElementById('fmc-day-rate-result').innerHTML='<div class="fmcw-big">'+t+'</div><p class="fmcw-note">Hourly=day/paidHrs; day=hourly x paidHrs. Paid hrs, not 8.</p>';
}
['fmc-day-rate-dir','fmc-day-rate-amt','fmc-day-rate-h'].forEach(function(id){document.getElementById(id).addEventListener('input',run);});
run();
})();
</script>
<p class="fmcw-attr">Powered by <a href="https://solomoneytools.com/tools/day-rate/" rel="noopener">Solo Money Tools</a> (<a href="https://solomoneytools.com/" rel="noopener">solomoneytools.com</a>)</p>
</div>

Freelance Rates by Country — live widget + embed code

Freelance Rates by Country Country benchmark Skill level Working hours per week Combined tax + fees rate (%)

<div class="fmcw" id="fmc-country">
<style>
.fmcw{
max-width:460px;
padding:16px;
border:1px solid #dfe3e8;
border-radius:12px;
background:#fff;
color:#16202a;
}
.fmcw .fmcw-title{
display:block;
font-size:17px;
margin:0 0 10px;
}
.fmcw .fmcw-lab{
display:block;
margin:0 0 8px;
font-size:14px;
}
.fmcw .fmcw-inp{
display:block;
width:100%;
margin:4px 0 0;
padding:8px;
box-sizing:border-box;
}
.fmcw .fmcw-res{
margin:12px 0 0;
padding:12px;
border-radius:8px;
background:#f4f7f9;
}
.fmcw .fmcw-big{
font-size:20px;
font-weight:700;
}
.fmcw .fmcw-note{
margin:6px 0 0;
font-size:13px;
}
.fmcw .fmcw-attr{
margin:10px 0 0;
font-size:12px;
}
</style>
<strong class="fmcw-title">Freelance Rates by Country</strong>
<label class="fmcw-lab">Country benchmark
<select class="fmcw-inp" id="fmc-country-sel">
<option value="48" selected>United States (~$48/hr)</option>
<option value="42">United Kingdom (~$42/hr)</option>
<option value="40">Germany (~$40/hr)</option>
<option value="38">Canada (~$38/hr)</option>
<option value="25">Brazil (~$25/hr)</option>
<option value="22">Poland (~$22/hr)</option>
<option value="18">India (~$18/hr)</option>
<option value="12">Philippines (~$12/hr)</option>
<option value="10">Nigeria (~$10/hr)</option>
</select>
</label>
<label class="fmcw-lab">Skill level
<select class="fmcw-inp" id="fmc-country-lvl">
<option value="0.6">Beginner x0.6</option>
<option value="1" selected>Intermediate x1.0</option>
<option value="1.6">Expert x1.6</option>
</select>
</label>
<label class="fmcw-lab">Working hours per week<input class="fmcw-inp" type="number" id="fmc-country-h" value="25" min="0"></label>
<label class="fmcw-lab">Combined tax + fees rate (%)<input class="fmcw-inp" type="number" id="fmc-country-tax" value="25" min="0"></label>
<div class="fmcw-res" id="fmc-country-result"></div>
<script>
(function(){
function n(id){return parseFloat(document.getElementById(id).value)||0;}
function m(x){return new Intl.NumberFormat(undefined,{style:'currency',currency:'USD',maximumFractionDigits:2}).format(x);}
function run(){
var base=parseFloat(document.getElementById('fmc-country-sel').value)||0;
var lvl=parseFloat(document.getElementById('fmc-country-lvl').value)||1;
var h=n('fmc-country-h'),tax=n('fmc-country-tax')/100;
var adj=base*lvl,gross=adj*h*50,net=gross*(1-tax),mo=net/12;
document.getElementById('fmc-country-result').innerHTML='<div class="fmcw-big">'+m(adj)+' /hr</div><p class="fmcw-note">Take-home '+m(mo)+'/mo ('+m(net)+'/yr). Canonical 50-week year.</p>';
}
['fmc-country-sel','fmc-country-lvl','fmc-country-h','fmc-country-tax'].forEach(function(id){document.getElementById(id).addEventListener('input',run);});
run();
})();
</script>
<p class="fmcw-attr">Powered by <a href="https://solomoneytools.com/tools/country/" rel="noopener">Solo Money Tools</a> (<a href="https://solomoneytools.com/" rel="noopener">solomoneytools.com</a>)</p>
</div>

Freelance Pricing Converter — live widget + embed code

Freelance Pricing Converter Conversion Amount ($) Paid hours per day Project hours Scope buffer (%)

<div class="fmcw" id="fmc-pricing">
<style>
.fmcw{
max-width:460px;
padding:16px;
border:1px solid #dfe3e8;
border-radius:12px;
background:#fff;
color:#16202a;
}
.fmcw .fmcw-title{
display:block;
font-size:17px;
margin:0 0 10px;
}
.fmcw .fmcw-lab{
display:block;
margin:0 0 8px;
font-size:14px;
}
.fmcw .fmcw-inp{
display:block;
width:100%;
margin:4px 0 0;
padding:8px;
box-sizing:border-box;
}
.fmcw .fmcw-res{
margin:12px 0 0;
padding:12px;
border-radius:8px;
background:#f4f7f9;
}
.fmcw .fmcw-big{
font-size:20px;
font-weight:700;
}
.fmcw .fmcw-note{
margin:6px 0 0;
font-size:13px;
}
.fmcw .fmcw-attr{
margin:10px 0 0;
font-size:12px;
}
</style>
<strong class="fmcw-title">Freelance Pricing Converter</strong>
<label class="fmcw-lab">Conversion
<select class="fmcw-inp" id="fmc-pricing-dir">
<option value="h2d" selected>Hourly to day rate</option>
<option value="d2h">Day rate to hourly</option>
<option value="h2p">Hourly to project</option>
<option value="p2h">Project to hourly</option>
<option value="d2p">Day rate to project</option>
<option value="p2d">Project to day rate</option>
</select>
</label>
<label class="fmcw-lab">Amount ($)<input class="fmcw-inp" type="number" id="fmc-pricing-amt" value="80" min="0" step="0.01"></label>
<label class="fmcw-lab">Paid hours per day<input class="fmcw-inp" type="number" id="fmc-pricing-hp" value="5.5" min="0" step="0.5"></label>
<label class="fmcw-lab">Project hours<input class="fmcw-inp" type="number" id="fmc-pricing-ph" value="40" min="0" step="1"></label>
<label class="fmcw-lab">Scope buffer (%)<input class="fmcw-inp" type="number" id="fmc-pricing-buf" value="20" min="0"></label>
<div class="fmcw-res" id="fmc-pricing-result"></div>
<script>
(function(){
function n(id){return parseFloat(document.getElementById(id).value)||0;}
function m(x){return new Intl.NumberFormat(undefined,{style:'currency',currency:'USD',maximumFractionDigits:2}).format(x);}
function run(){
var d=document.getElementById('fmc-pricing-dir').value,a=n('fmc-pricing-amt');
var hp=n('fmc-pricing-hp')||5.5,ph=n('fmc-pricing-ph'),buf=1+(n('fmc-pricing-buf')||0)/100;
var o=0;
if(d==='h2d'){o=a*hp;}else if(d==='d2h'){o=hp>0?a/hp:0;}else if(d==='h2p'){o=a*ph*buf;}
else if(d==='p2h'){o=ph>0?a/(ph*buf):0;}else if(d==='d2p'){o=a*(ph/Math.max(hp,0.1))*buf;}
else{o=(hp>0&&ph>0)?(a/buf)*hp/ph:0;}
document.getElementById('fmc-pricing-result').innerHTML='<div class="fmcw-big">'+m(o)+'</div><p class="fmcw-note">Buffer x'+buf.toFixed(2)+'. Matches calcPricing.</p>';
}
['fmc-pricing-dir','fmc-pricing-amt','fmc-pricing-hp','fmc-pricing-ph','fmc-pricing-buf'].forEach(function(id){document.getElementById(id).addEventListener('input',run);});
run();
})();
</script>
<p class="fmcw-attr">Powered by <a href="https://solomoneytools.com/tools/pricing/" rel="noopener">Solo Money Tools</a> (<a href="https://solomoneytools.com/" rel="noopener">solomoneytools.com</a>)</p>
</div>

Gig Driver Real Earnings Calculator — live widget + embed code

Gig Driver Real Earnings Calculator Gross pay per week ($) Hours on road per week Vehicle + other weekly costs ($) Combined tax rate (%)

<div class="fmcw" id="fmc-gig">
<style>
.fmcw{
max-width:460px;
padding:16px;
border:1px solid #dfe3e8;
border-radius:12px;
background:#fff;
color:#16202a;
}
.fmcw .fmcw-title{
display:block;
font-size:17px;
margin:0 0 10px;
}
.fmcw .fmcw-lab{
display:block;
margin:0 0 8px;
font-size:14px;
}
.fmcw .fmcw-inp{
display:block;
width:100%;
margin:4px 0 0;
padding:8px;
box-sizing:border-box;
}
.fmcw .fmcw-res{
margin:12px 0 0;
padding:12px;
border-radius:8px;
background:#f4f7f9;
}
.fmcw .fmcw-big{
font-size:20px;
font-weight:700;
}
.fmcw .fmcw-note{
margin:6px 0 0;
font-size:13px;
}
.fmcw .fmcw-attr{
margin:10px 0 0;
font-size:12px;
}
</style>
<strong class="fmcw-title">Gig Driver Real Earnings Calculator</strong>
<label class="fmcw-lab">Gross pay per week ($)<input class="fmcw-inp" type="number" id="fmc-gig-gross" value="900" min="0"></label>
<label class="fmcw-lab">Hours on road per week<input class="fmcw-inp" type="number" id="fmc-gig-h" value="35" min="0"></label>
<label class="fmcw-lab">Vehicle + other weekly costs ($)<input class="fmcw-inp" type="number" id="fmc-gig-costs" value="285" min="0"></label>
<label class="fmcw-lab">Combined tax rate (%)<input class="fmcw-inp" type="number" id="fmc-gig-tax" value="20" min="0"></label>
<div class="fmcw-res" id="fmc-gig-result"></div>
<script>
(function(){
function n(id){return parseFloat(document.getElementById(id).value)||0;}
function m(x){return new Intl.NumberFormat(undefined,{style:'currency',currency:'USD',maximumFractionDigits:2}).format(x);}
function run(){
var g=n('fmc-gig-gross'),h=n('fmc-gig-h'),c=n('fmc-gig-costs'),tax=n('fmc-gig-tax')/100;
var net=g-c,after=net*(1-tax),r=h>0?after/h:0,app=h>0?g/h:0;
document.getElementById('fmc-gig-result').innerHTML='<div class="fmcw-big">'+m(r)+' /hr real</div><p class="fmcw-note">App-screen '+m(app)+'/hr. Simplified: fuel+maint+miles x depr+other in one field (285=90+25+600x0.25+20).</p>';
}
['fmc-gig-gross','fmc-gig-h','fmc-gig-costs','fmc-gig-tax'].forEach(function(id){document.getElementById(id).addEventListener('input',run);});
run();
})();
</script>
<p class="fmcw-attr">Powered by <a href="https://solomoneytools.com/tools/gig/" rel="noopener">Solo Money Tools</a> (<a href="https://solomoneytools.com/" rel="noopener">solomoneytools.com</a>)</p>
</div>

Freelance Runway Calculator — live widget + embed code

Freelance runway: months of cash left Liquid savings ($) Monthly expenses ($) Monthly freelance income ($) Tax set-aside (%)

<div class="fmcw" id="fmc-runway">
<style>
.fmcw {
  font-family: inherit;
  max-width: 440px;
  border: 1px solid #d9d9d9;
  border-radius: 12px;
  padding: 16px;
  background: #ffffff;
}
.fmcw .fmcw-title {
  display: block;
  font-size: 1.05rem;
  margin-bottom: 10px;
}
.fmcw .fmcw-label {
  display: block;
  font-size: 0.88rem;
  margin: 8px 0;
}
.fmcw .fmcw-input {
  display: block;
  width: 100%;
  padding: 8px;
  margin-top: 4px;
  box-sizing: border-box;
}
.fmcw .fmcw-input:focus {
  outline: 2px solid #1c4ed8;
}
.fmcw .fmcw-result {
  margin-top: 12px;
  font-weight: bold;
}
.fmcw .fmcw-note {
  font-weight: normal;
  font-size: 0.85rem;
}
.fmcw .fmcw-attr {
  font-size: 0.8rem;
  margin-top: 12px;
}
.fmcw .fmcw-a {
  text-decoration: underline;
}
</style>
<strong class="fmcw-title">Freelance runway: months of cash left</strong>
<label class="fmcw-label">Liquid savings ($)<input class="fmcw-input" type="number" id="fmc-runway-savings" value="25000" min="0"></label>
<label class="fmcw-label">Monthly expenses ($)<input class="fmcw-input" type="number" id="fmc-runway-expenses" value="4000" min="0"></label>
<label class="fmcw-label">Monthly freelance income ($)<input class="fmcw-input" type="number" id="fmc-runway-income" value="0" min="0"></label>
<label class="fmcw-label">Tax set-aside (%)<input class="fmcw-input" type="number" id="fmc-runway-tax" value="25" min="0" max="100" step="0.1"></label>
<div class="fmcw-result" id="fmc-runway-result" aria-live="polite"></div>
<p class="fmcw-attr">Powered by <a class="fmcw-a" href="https://solomoneytools.com/" rel="noopener">Solo Money Tools</a> &middot; <a class="fmcw-a" href="https://solomoneytools.com/tools/runway/" rel="noopener">Try the full calculator</a></p>
<script>
(function () {
'use strict';
function num(id) {
var el = document.getElementById(id);
var n = parseFloat(el.value);
return isNaN(n) ? 0 : n;
}
function money(n) {
return '$' + n.toLocaleString(undefined, { minimumFractionDigits: 2, maximumFractionDigits: 2 });
}
function calc() {
var savings = num('fmc-runway-savings');
var expenses = num('fmc-runway-expenses');
var income = num('fmc-runway-income');
var tax = num('fmc-runway-tax') / 100;
var net = income * (1 - tax);
var burn = expenses - net;
var out = document.getElementById('fmc-runway-result');
if (burn <= 0) {
out.textContent = 'Cash-flow positive \u2014 no burn. Income covers expenses.';
return;
}
var months = savings / burn;
out.textContent = months.toFixed(1) + ' months of runway at a ' + money(burn) + '/month burn.';
}
var ids = ['fmc-runway-savings', 'fmc-runway-expenses', 'fmc-runway-income', 'fmc-runway-tax'];
ids.forEach(function (id) {
document.getElementById(id).addEventListener('input', calc);
});
calc();
})();
</script>
</div>

Freelance Break-Even Calculator — live widget + embed code

Freelance break-even: your monthly floor Monthly living costs ($) Monthly business costs ($) Combined tax rate (%) Your hourly rate ($)

<div class="fmcw" id="fmc-break-even">
<style>
.fmcw {
  font-family: inherit;
  max-width: 440px;
  border: 1px solid #d9d9d9;
  border-radius: 12px;
  padding: 16px;
  background: #ffffff;
}
.fmcw .fmcw-title {
  display: block;
  font-size: 1.05rem;
  margin-bottom: 10px;
}
.fmcw .fmcw-label {
  display: block;
  font-size: 0.88rem;
  margin: 8px 0;
}
.fmcw .fmcw-input {
  display: block;
  width: 100%;
  padding: 8px;
  margin-top: 4px;
  box-sizing: border-box;
}
.fmcw .fmcw-input:focus {
  outline: 2px solid #1c4ed8;
}
.fmcw .fmcw-result {
  margin-top: 12px;
  font-weight: bold;
}
.fmcw .fmcw-note {
  font-weight: normal;
  font-size: 0.85rem;
}
.fmcw .fmcw-attr {
  font-size: 0.8rem;
  margin-top: 12px;
}
.fmcw .fmcw-a {
  text-decoration: underline;
}
</style>
<strong class="fmcw-title">Freelance break-even: your monthly floor</strong>
<label class="fmcw-label">Monthly living costs ($)<input class="fmcw-input" type="number" id="fmc-break-even-living" value="2800" min="0"></label>
<label class="fmcw-label">Monthly business costs ($)<input class="fmcw-input" type="number" id="fmc-break-even-biz" value="250" min="0"></label>
<label class="fmcw-label">Combined tax rate (%)<input class="fmcw-input" type="number" id="fmc-break-even-tax" value="30" min="0" max="70"></label>
<label class="fmcw-label">Your hourly rate ($)<input class="fmcw-input" type="number" id="fmc-break-even-rate" value="60" min="0"></label>
<div class="fmcw-result" id="fmc-break-even-result" aria-live="polite"></div>
<p class="fmcw-attr">Powered by <a class="fmcw-a" href="https://solomoneytools.com/" rel="noopener">Solo Money Tools</a> &middot; <a class="fmcw-a" href="https://solomoneytools.com/tools/break-even/" rel="noopener">Try the full calculator</a></p>
<script>
(function () {
'use strict';
function num(id) {
var el = document.getElementById(id);
var n = parseFloat(el.value);
return isNaN(n) ? 0 : n;
}
function money(n) {
return '$' + n.toLocaleString(undefined, { minimumFractionDigits: 2, maximumFractionDigits: 2 });
}
function calc() {
var living = num('fmc-break-even-living');
var biz = num('fmc-break-even-biz');
var tax = num('fmc-break-even-tax') / 100;
var rate = num('fmc-break-even-rate');
var revenue = tax < 1 ? (living + biz) / (1 - tax) : 0;
var hours = rate > 0 ? revenue / rate : 0;
var out = document.getElementById('fmc-break-even-result');
out.textContent = 'Need ' + money(revenue) + '/month \u2014 about ' + hours.toFixed(1) + ' billable hours at ' + money(rate) + '/hr.';
}
var ids = ['fmc-break-even-living', 'fmc-break-even-biz', 'fmc-break-even-tax', 'fmc-break-even-rate'];
ids.forEach(function (id) {
document.getElementById(id).addEventListener('input', calc);
});
calc();
})();
</script>
</div>

Freelance Client Acquisition Cost (CAC) Calculator — live widget + embed code

Client acquisition cost + lifetime value Annual marketing spend ($) New clients won this year Average project value ($) Projects per client per year

<div class="fmcw" id="fmc-cac">
<style>
.fmcw {
  font-family: inherit;
  max-width: 440px;
  border: 1px solid #d9d9d9;
  border-radius: 12px;
  padding: 16px;
  background: #ffffff;
}
.fmcw .fmcw-title {
  display: block;
  font-size: 1.05rem;
  margin-bottom: 10px;
}
.fmcw .fmcw-label {
  display: block;
  font-size: 0.88rem;
  margin: 8px 0;
}
.fmcw .fmcw-input {
  display: block;
  width: 100%;
  padding: 8px;
  margin-top: 4px;
  box-sizing: border-box;
}
.fmcw .fmcw-input:focus {
  outline: 2px solid #1c4ed8;
}
.fmcw .fmcw-result {
  margin-top: 12px;
  font-weight: bold;
}
.fmcw .fmcw-note {
  font-weight: normal;
  font-size: 0.85rem;
}
.fmcw .fmcw-attr {
  font-size: 0.8rem;
  margin-top: 12px;
}
.fmcw .fmcw-a {
  text-decoration: underline;
}
</style>
<strong class="fmcw-title">Client acquisition cost + lifetime value</strong>
<label class="fmcw-label">Annual marketing spend ($)<input class="fmcw-input" type="number" id="fmc-cac-spend" value="3000" min="0"></label>
<label class="fmcw-label">New clients won this year<input class="fmcw-input" type="number" id="fmc-cac-clients" value="6" min="0" step="1"></label>
<label class="fmcw-label">Average project value ($)<input class="fmcw-input" type="number" id="fmc-cac-avg" value="2000" min="0"></label>
<label class="fmcw-label">Projects per client per year<input class="fmcw-input" type="number" id="fmc-cac-projyr" value="2" min="0" step="0.5"></label>
<div class="fmcw-result" id="fmc-cac-result" aria-live="polite"></div>
<p class="fmcw-attr">Powered by <a class="fmcw-a" href="https://solomoneytools.com/" rel="noopener">Solo Money Tools</a> &middot; <a class="fmcw-a" href="https://solomoneytools.com/tools/cac/" rel="noopener">Try the full calculator</a></p>
<script>
(function () {
'use strict';
function num(id) {
var el = document.getElementById(id);
var n = parseFloat(el.value);
return isNaN(n) ? 0 : n;
}
function money(n) {
return '$' + n.toLocaleString(undefined, { minimumFractionDigits: 2, maximumFractionDigits: 2 });
}
function calc() {
var spend = num('fmc-cac-spend');
var clients = num('fmc-cac-clients');
var avg = num('fmc-cac-avg');
var projyr = num('fmc-cac-projyr');
var cac = clients > 0 ? spend / clients : 0;
var ltv = avg * projyr * 1.5;
var ratio = cac > 0 ? ltv / cac : 0;
var out = document.getElementById('fmc-cac-result');
out.textContent = 'CAC ' + money(cac) + ' \u00b7 LTV ' + money(ltv) + ' \u00b7 ratio ' + ratio.toFixed(1) + '\u00d7.';
}
var ids = ['fmc-cac-spend', 'fmc-cac-clients', 'fmc-cac-avg', 'fmc-cac-projyr'];
ids.forEach(function (id) {
document.getElementById(id).addEventListener('input', calc);
});
calc();
})();
</script>
</div>

Side Hustle Profit Calculator — live widget + embed code

Side hustle: real profit per hour Monthly revenue ($) Monthly costs ($) Hours worked per month Combined tax rate (%)

<div class="fmcw" id="fmc-side-hustle">
<style>
.fmcw {
  font-family: inherit;
  max-width: 440px;
  border: 1px solid #d9d9d9;
  border-radius: 12px;
  padding: 16px;
  background: #ffffff;
}
.fmcw .fmcw-title {
  display: block;
  font-size: 1.05rem;
  margin-bottom: 10px;
}
.fmcw .fmcw-label {
  display: block;
  font-size: 0.88rem;
  margin: 8px 0;
}
.fmcw .fmcw-input {
  display: block;
  width: 100%;
  padding: 8px;
  margin-top: 4px;
  box-sizing: border-box;
}
.fmcw .fmcw-input:focus {
  outline: 2px solid #1c4ed8;
}
.fmcw .fmcw-result {
  margin-top: 12px;
  font-weight: bold;
}
.fmcw .fmcw-note {
  font-weight: normal;
  font-size: 0.85rem;
}
.fmcw .fmcw-attr {
  font-size: 0.8rem;
  margin-top: 12px;
}
.fmcw .fmcw-a {
  text-decoration: underline;
}
</style>
<strong class="fmcw-title">Side hustle: real profit per hour</strong>
<label class="fmcw-label">Monthly revenue ($)<input class="fmcw-input" type="number" id="fmc-side-hustle-revenue" value="1200" min="0"></label>
<label class="fmcw-label">Monthly costs ($)<input class="fmcw-input" type="number" id="fmc-side-hustle-costs" value="350" min="0"></label>
<label class="fmcw-label">Hours worked per month<input class="fmcw-input" type="number" id="fmc-side-hustle-hours" value="40" min="0"></label>
<label class="fmcw-label">Combined tax rate (%)<input class="fmcw-input" type="number" id="fmc-side-hustle-tax" value="25" min="0" max="70"></label>
<div class="fmcw-result" id="fmc-side-hustle-result" aria-live="polite"></div>
<p class="fmcw-attr">Powered by <a class="fmcw-a" href="https://solomoneytools.com/" rel="noopener">Solo Money Tools</a> &middot; <a class="fmcw-a" href="https://solomoneytools.com/tools/side-hustle/" rel="noopener">Try the full calculator</a></p>
<script>
(function () {
'use strict';
function num(id) {
var el = document.getElementById(id);
var n = parseFloat(el.value);
return isNaN(n) ? 0 : n;
}
function money(n) {
return '$' + n.toLocaleString(undefined, { minimumFractionDigits: 2, maximumFractionDigits: 2 });
}
function calc() {
var revenue = num('fmc-side-hustle-revenue');
var costs = num('fmc-side-hustle-costs');
var hours = num('fmc-side-hustle-hours');
var tax = num('fmc-side-hustle-tax') / 100;
var net = (revenue - costs) * (1 - tax);
var hourly = hours > 0 ? net / hours : 0;
var out = document.getElementById('fmc-side-hustle-result');
out.textContent = 'Net ' + money(net) + '/month \u2014 ' + money(hourly) + '/hour across ' + hours + ' hours.';
}
var ids = ['fmc-side-hustle-revenue', 'fmc-side-hustle-costs', 'fmc-side-hustle-hours', 'fmc-side-hustle-tax'];
ids.forEach(function (id) {
document.getElementById(id).addEventListener('input', calc);
});
calc();
})();
</script>
</div>

Late Payment Interest Calculator — live widget + embed code

Late invoice: interest owed Invoice amount ($) Days overdue Annual interest rate (%)

<div class="fmcw" id="fmc-late-payment">
<style>
.fmcw {
  font-family: inherit;
  max-width: 440px;
  border: 1px solid #d9d9d9;
  border-radius: 12px;
  padding: 16px;
  background: #ffffff;
}
.fmcw .fmcw-title {
  display: block;
  font-size: 1.05rem;
  margin-bottom: 10px;
}
.fmcw .fmcw-label {
  display: block;
  font-size: 0.88rem;
  margin: 8px 0;
}
.fmcw .fmcw-input {
  display: block;
  width: 100%;
  padding: 8px;
  margin-top: 4px;
  box-sizing: border-box;
}
.fmcw .fmcw-input:focus {
  outline: 2px solid #1c4ed8;
}
.fmcw .fmcw-result {
  margin-top: 12px;
  font-weight: bold;
}
.fmcw .fmcw-note {
  font-weight: normal;
  font-size: 0.85rem;
}
.fmcw .fmcw-attr {
  font-size: 0.8rem;
  margin-top: 12px;
}
.fmcw .fmcw-a {
  text-decoration: underline;
}
</style>
<strong class="fmcw-title">Late invoice: interest owed</strong>
<label class="fmcw-label">Invoice amount ($)<input class="fmcw-input" type="number" id="fmc-late-payment-amount" value="5000" min="0"></label>
<label class="fmcw-label">Days overdue<input class="fmcw-input" type="number" id="fmc-late-payment-days" value="45" min="0"></label>
<label class="fmcw-label">Annual interest rate (%)<input class="fmcw-input" type="number" id="fmc-late-payment-rate" value="8" min="0" step="0.5"></label>
<div class="fmcw-result" id="fmc-late-payment-result" aria-live="polite"></div>
<p class="fmcw-attr">Powered by <a class="fmcw-a" href="https://solomoneytools.com/" rel="noopener">Solo Money Tools</a> &middot; <a class="fmcw-a" href="https://solomoneytools.com/tools/late-payment/" rel="noopener">Try the full calculator</a></p>
<script>
(function () {
'use strict';
function num(id) {
var el = document.getElementById(id);
var n = parseFloat(el.value);
return isNaN(n) ? 0 : n;
}
function money(n) {
return '$' + n.toLocaleString(undefined, { minimumFractionDigits: 2, maximumFractionDigits: 2 });
}
function calc() {
var amount = num('fmc-late-payment-amount');
var days = num('fmc-late-payment-days');
var rate = num('fmc-late-payment-rate') / 100;
var interest = amount * (rate / 365) * days;
var total = amount + interest;
var out = document.getElementById('fmc-late-payment-result');
out.textContent = money(interest) + ' interest (' + money(total) + ' total). UK/EU rules may add fixed compensation per invoice on top.';
}
var ids = ['fmc-late-payment-amount', 'fmc-late-payment-days', 'fmc-late-payment-rate'];
ids.forEach(function (id) {
document.getElementById(id).addEventListener('input', calc);
});
calc();
})();
</script>
</div>

Invoice Generator with Tax Set-Aside — live widget + embed code

Invoice Generator with Tax Set-Aside Hours worked Rate per hour ($) Extra flat amount ($) Tax set-aside (%)

<div class="fmcw" id="fmc-invoice">
<style>
.fmcw{
max-width:460px;
padding:16px;
border:1px solid #dfe3e8;
border-radius:12px;
background:#fff;
color:#16202a;
}
.fmcw .fmcw-title{
display:block;
font-size:17px;
margin:0 0 10px;
}
.fmcw .fmcw-lab{
display:block;
margin:0 0 8px;
font-size:14px;
}
.fmcw .fmcw-inp{
display:block;
width:100%;
margin:4px 0 0;
padding:8px;
box-sizing:border-box;
}
.fmcw .fmcw-res{
margin:12px 0 0;
padding:12px;
border-radius:8px;
background:#f4f7f9;
}
.fmcw .fmcw-big{
font-size:20px;
font-weight:700;
}
.fmcw .fmcw-note{
margin:6px 0 0;
font-size:13px;
}
.fmcw .fmcw-attr{
margin:10px 0 0;
font-size:12px;
}
</style>
<strong class="fmcw-title">Invoice Generator with Tax Set-Aside</strong>
<label class="fmcw-lab">Hours worked<input class="fmcw-inp" type="number" id="fmc-invoice-h" value="40" min="0" step="0.5"></label>
<label class="fmcw-lab">Rate per hour ($)<input class="fmcw-inp" type="number" id="fmc-invoice-rate" value="75" min="0" step="1"></label>
<label class="fmcw-lab">Extra flat amount ($)<input class="fmcw-inp" type="number" id="fmc-invoice-amt" value="0" min="0"></label>
<label class="fmcw-lab">Tax set-aside (%)<input class="fmcw-inp" type="number" id="fmc-invoice-tax" value="30" min="0"></label>
<div class="fmcw-res" id="fmc-invoice-result"></div>
<script>
(function(){
function n(id){return parseFloat(document.getElementById(id).value)||0;}
function m(x){return new Intl.NumberFormat(undefined,{style:'currency',currency:'USD',maximumFractionDigits:2}).format(x);}
function run(){
var h=n('fmc-invoice-h'),r=n('fmc-invoice-rate'),amt=n('fmc-invoice-amt'),pct=n('fmc-invoice-tax')/100;
var t=h*r+amt,sa=t*pct,keep=t-sa;
document.getElementById('fmc-invoice-result').innerHTML='<div class="fmcw-big">Due '+t.toFixed(2)+'</div><p class="fmcw-note">Set aside '+sa.toFixed(2)+' ('+(pct*100).toFixed(0)+'%) for tax; you keep '+keep.toFixed(2)+'. Simplified: total=hours x rate+flat.</p>';
}
['fmc-invoice-h','fmc-invoice-rate','fmc-invoice-amt','fmc-invoice-tax'].forEach(function(id){document.getElementById(id).addEventListener('input',run);});
run();
})();
</script>
<p class="fmcw-attr">Powered by <a href="https://solomoneytools.com/tools/invoice/" rel="noopener">Solo Money Tools</a> (<a href="https://solomoneytools.com/" rel="noopener">solomoneytools.com</a>)</p>
</div>

Employee vs Contractor Cost Calculator — live widget + embed code

Employee vs contractor: true annual cost Employee salary ($) Annual benefits ($) Contractor rate ($/hr) Contractor hours/week

<div class="fmcw" id="fmc-employee-vs-contractor">
<style>
.fmcw {
  font-family: inherit;
  max-width: 440px;
  border: 1px solid #d9d9d9;
  border-radius: 12px;
  padding: 16px;
  background: #ffffff;
}
.fmcw .fmcw-title {
  display: block;
  font-size: 1.05rem;
  margin-bottom: 10px;
}
.fmcw .fmcw-label {
  display: block;
  font-size: 0.88rem;
  margin: 8px 0;
}
.fmcw .fmcw-input {
  display: block;
  width: 100%;
  padding: 8px;
  margin-top: 4px;
  box-sizing: border-box;
}
.fmcw .fmcw-input:focus {
  outline: 2px solid #1c4ed8;
}
.fmcw .fmcw-result {
  margin-top: 12px;
  font-weight: bold;
}
.fmcw .fmcw-note {
  font-weight: normal;
  font-size: 0.85rem;
}
.fmcw .fmcw-attr {
  font-size: 0.8rem;
  margin-top: 12px;
}
.fmcw .fmcw-a {
  text-decoration: underline;
}
</style>
<strong class="fmcw-title">Employee vs contractor: true annual cost</strong>
<label class="fmcw-label">Employee salary ($)<input class="fmcw-input" type="number" id="fmc-employee-vs-contractor-salary" value="85000" min="0"></label>
<label class="fmcw-label">Annual benefits ($)<input class="fmcw-input" type="number" id="fmc-employee-vs-contractor-benefits" value="20000" min="0"></label>
<label class="fmcw-label">Contractor rate ($/hr)<input class="fmcw-input" type="number" id="fmc-employee-vs-contractor-rate" value="75" min="0"></label>
<label class="fmcw-label">Contractor hours/week<input class="fmcw-input" type="number" id="fmc-employee-vs-contractor-hours" value="25" min="0"></label>
<div class="fmcw-result" id="fmc-employee-vs-contractor-result" aria-live="polite"></div>
<p class="fmcw-attr">Powered by <a class="fmcw-a" href="https://solomoneytools.com/" rel="noopener">Solo Money Tools</a> &middot; <a class="fmcw-a" href="https://solomoneytools.com/tools/employee-vs-contractor/" rel="noopener">Try the full calculator</a></p>
<script>
(function () {
'use strict';
function num(id) {
var el = document.getElementById(id);
var n = parseFloat(el.value);
return isNaN(n) ? 0 : n;
}
function money(n) {
return '$' + n.toLocaleString(undefined, { minimumFractionDigits: 2, maximumFractionDigits: 2 });
}
function calc() {
var salary = num('fmc-employee-vs-contractor-salary');
var benefits = num('fmc-employee-vs-contractor-benefits');
var rate = num('fmc-employee-vs-contractor-rate');
var hours = num('fmc-employee-vs-contractor-hours');
var employee = salary + benefits + salary * 0.10;
var contractor = rate * hours * 50 + 3000;
var diff = contractor - employee;
var verdict = diff > 0 ? 'contractor costs more' : 'contractor costs less';
var out = document.getElementById('fmc-employee-vs-contractor-result');
out.textContent = 'Employee ' + money(employee) + ' vs contractor ' + money(contractor) + ' \u2014 ' + verdict + ' by ' + money(Math.abs(diff)) + '.';
}
var ids = ['fmc-employee-vs-contractor-salary', 'fmc-employee-vs-contractor-benefits', 'fmc-employee-vs-contractor-rate', 'fmc-employee-vs-contractor-hours'];
ids.forEach(function (id) {
document.getElementById(id).addEventListener('input', calc);
});
calc();
})();
</script>
</div>

Overtime Pay Calculator — live widget + embed code

Overtime pay: weekly and yearly total Hourly rate ($) Regular hours/week Overtime hours/week

<div class="fmcw" id="fmc-overtime">
<style>
.fmcw {
  font-family: inherit;
  max-width: 440px;
  border: 1px solid #d9d9d9;
  border-radius: 12px;
  padding: 16px;
  background: #ffffff;
}
.fmcw .fmcw-title {
  display: block;
  font-size: 1.05rem;
  margin-bottom: 10px;
}
.fmcw .fmcw-label {
  display: block;
  font-size: 0.88rem;
  margin: 8px 0;
}
.fmcw .fmcw-input {
  display: block;
  width: 100%;
  padding: 8px;
  margin-top: 4px;
  box-sizing: border-box;
}
.fmcw .fmcw-input:focus {
  outline: 2px solid #1c4ed8;
}
.fmcw .fmcw-result {
  margin-top: 12px;
  font-weight: bold;
}
.fmcw .fmcw-note {
  font-weight: normal;
  font-size: 0.85rem;
}
.fmcw .fmcw-attr {
  font-size: 0.8rem;
  margin-top: 12px;
}
.fmcw .fmcw-a {
  text-decoration: underline;
}
</style>
<strong class="fmcw-title">Overtime pay: weekly and yearly total</strong>
<label class="fmcw-label">Hourly rate ($)<input class="fmcw-input" type="number" id="fmc-overtime-rate" value="25" min="0" step="0.5"></label>
<label class="fmcw-label">Regular hours/week<input class="fmcw-input" type="number" id="fmc-overtime-hours" value="40" min="0" step="0.5"></label>
<label class="fmcw-label">Overtime hours/week<input class="fmcw-input" type="number" id="fmc-overtime-extra" value="5" min="0" step="0.5"></label>
<div class="fmcw-result" id="fmc-overtime-result" aria-live="polite"></div>
<p class="fmcw-attr">Powered by <a class="fmcw-a" href="https://solomoneytools.com/" rel="noopener">Solo Money Tools</a> &middot; <a class="fmcw-a" href="https://solomoneytools.com/tools/overtime/" rel="noopener">Try the full calculator</a></p>
<script>
(function () {
'use strict';
function num(id) {
var el = document.getElementById(id);
var n = parseFloat(el.value);
return isNaN(n) ? 0 : n;
}
function money(n) {
return '$' + n.toLocaleString(undefined, { minimumFractionDigits: 2, maximumFractionDigits: 2 });
}
function calc() {
var rate = num('fmc-overtime-rate');
var reg = num('fmc-overtime-hours');
var ot = num('fmc-overtime-extra');
var otRate = rate * 1.5;
var totalWeek = rate * reg + otRate * ot;
var totalYear = totalWeek * 52;
var out = document.getElementById('fmc-overtime-result');
out.textContent = money(totalWeek) + '/week (' + money(totalYear) + '/year at time-and-a-half).';
}
var ids = ['fmc-overtime-rate', 'fmc-overtime-hours', 'fmc-overtime-extra'];
ids.forEach(function (id) {
document.getElementById(id).addEventListener('input', calc);
});
calc();
})();
</script>
</div>

UK Contractor Tax Calculator — live widget + embed code

UK contractor tax: sole trader vs limited Annual turnover (£) Business expenses (£)

<div class="fmcw" id="fmc-uk-contractor-tax">
<style>
.fmcw {
  font-family: inherit;
  max-width: 440px;
  border: 1px solid #d9d9d9;
  border-radius: 12px;
  padding: 16px;
  background: #ffffff;
}
.fmcw .fmcw-title {
  display: block;
  font-size: 1.05rem;
  margin-bottom: 10px;
}
.fmcw .fmcw-label {
  display: block;
  font-size: 0.88rem;
  margin: 8px 0;
}
.fmcw .fmcw-input {
  display: block;
  width: 100%;
  padding: 8px;
  margin-top: 4px;
  box-sizing: border-box;
}
.fmcw .fmcw-input:focus {
  outline: 2px solid #1c4ed8;
}
.fmcw .fmcw-result {
  margin-top: 12px;
  font-weight: bold;
}
.fmcw .fmcw-note {
  font-weight: normal;
  font-size: 0.85rem;
}
.fmcw .fmcw-attr {
  font-size: 0.8rem;
  margin-top: 12px;
}
.fmcw .fmcw-a {
  text-decoration: underline;
}
</style>
<strong class="fmcw-title">UK contractor tax: sole trader vs limited</strong>
<label class="fmcw-label">Annual turnover (£)<input class="fmcw-input" type="number" id="fmc-uk-contractor-tax-turnover" value="60000" min="0" max="100000" step="500"></label>
<label class="fmcw-label">Business expenses (£)<input class="fmcw-input" type="number" id="fmc-uk-contractor-tax-expenses" value="5000" min="0" step="500"></label>
<div class="fmcw-result" id="fmc-uk-contractor-tax-result" aria-live="polite"></div>
<p class="fmcw-attr">Powered by <a class="fmcw-a" href="https://solomoneytools.com/" rel="noopener">Solo Money Tools</a> &middot; <a class="fmcw-a" href="https://solomoneytools.com/tools/uk-contractor-tax/" rel="noopener">Try the full calculator</a></p>
<script>
(function () {
'use strict';
function num(id) {
var el = document.getElementById(id);
var n = parseFloat(el.value);
return isNaN(n) ? 0 : n;
}
function money(n) {
return '£' + n.toLocaleString('en-GB', { minimumFractionDigits: 2, maximumFractionDigits: 2 });
}
function bandTax(t) {
t = Math.max(0, t);
var it = 0;
var b = Math.min(t, 37700); it += b * 0.20; t -= b;
var hb = Math.min(t, 74970); it += hb * 0.40; t -= hb;
it += t * 0.45;
return it;
}
function ctOn(p) {
if (p <= 0) return 0;
if (p <= 50000) return p * 0.19;
if (p >= 250000) return p * 0.25;
return p * 0.25 - 0.015 * (250000 - p);
}
function calc() {
var turnover = num('fmc-uk-contractor-tax-turnover');
var expenses = num('fmc-uk-contractor-tax-expenses');
var profit = Math.max(0, turnover - expenses);
var soleIT = bandTax(profit - 12570);
var nic4 = Math.max(0, Math.min(profit, 50270) - 12570) * 0.06 + Math.max(0, profit - 50270) * 0.02;
var soleTake = profit - soleIT - nic4;
var salary = 12570;
var ct = ctOn(Math.max(0, profit - salary));
var dividends = Math.max(0, profit - salary - ct);
var divTaxable = Math.max(0, dividends - 500);
var divStart = salary + 500;
var basicDiv = Math.max(0, Math.min(salary + dividends, 50270) - divStart);
var higherDiv = Math.max(0, Math.min(salary + dividends, 125140) - Math.max(divStart, 50270));
var addDiv = Math.max(0, salary + dividends - Math.max(divStart, 125140));
var divIT = basicDiv * 0.1075 + higherDiv * 0.3575 + addDiv * 0.3935;
var ltdTake = salary + dividends - divIT;
var out = document.getElementById('fmc-uk-contractor-tax-result');
out.textContent = 'Sole trader keeps ' + money(soleTake) + '; limited keeps ' + money(ltdTake) + ' (2026/27 rates, simplified).';
}
var ids = ['fmc-uk-contractor-tax-turnover', 'fmc-uk-contractor-tax-expenses'];
ids.forEach(function (id) {
document.getElementById(id).addEventListener('input', calc);
});
calc();
})();
</script>
</div>

Frequently Asked Questions

Will an embedded card slow down my page?

No. The snippet is a few hundred bytes of plain HTML plus a small script — no iframe, no external calls, no tracking. Your site's fonts apply automatically and the card carries its own clean layout for light backgrounds, adding nothing measurable to load time.

Can I change the styling or wording?

Yes. The snippet is plain HTML, so adapt the words and classes to your site freely. The two requirements that stay fixed are the tool link and the visible "Powered by Solo Money Tools" attribution link — both must remain intact and crawlable.

Can I remove the attribution link?

No. The visible attribution link is the entire price of a free embed — it is how these calculators stay free for everyone. Removing it violates the terms above; contact us if you need a custom arrangement.

Which calculator should I embed?

Match your audience: tax calculators (set-aside, quarterly, 1099) for finance and tax-season posts, rate calculators (hourly, contract, day rate) for pricing posts, and the gig or side-hustle calculators for gig-economy content. One relevant embed beats three generic ones.