For freelancers, contractors, and the self-employed: estimate your self-employment tax, federal income tax, and the exact percentage to set aside from every payment. 100% private — calculations never leave your browser.
A W-2 employer silently pays half of your Social Security and Medicare. When you're self-employed, you pay both halves — 15.3% — before income tax even starts. The counterweight: business deductions. Every legitimate expense you track reduces both taxes at once.
Ledgr logs your income and expenses in seconds, uses on-device AI to flag likely tax deductions, estimates your quarterly set-aside, and exports an accountant-ready tax packet. No bank login. No cloud. Nothing leaves your phone.
Download Ledgr on the App StoreFree to use · Private by design · Works offline
Self-employment tax is 15.3% of 92.35% of net profit, then federal income tax applies on top. Most freelancers land between 20% and 35% combined federal, depending on income and filing status.
SE tax kicks in once net self-employment earnings reach $400 for the year.
Quarterly: April 15, June 15, September 15, and January 15. Use our Quarterly Tax Calculator to size each payment.
Yes. The math runs in your browser with no analytics, no cookies, and no data sent anywhere — the same privacy-first principle Ledgr is built on.