Self-Employed Tax Hub
SE tax, quarterly payments, the QBI deduction and retirement account maximums, plus an expense splitter, a rough business valuation and a variable-income cash flow planner, in one place.
Pick a self-employed tool
Five calculators for freelancers, consultants and small-business owners: taxes, deductions, retirement, valuation and cash flow.
Educational only, not tax advice. Figures use 2025 IRS limits and standard rates; the business valuation is a rough estimate, not a formal appraisal. Consult a CPA, tax professional or qualified appraiser for your situation. All calculations run in your browser. Your inputs are saved on this device, or to your account when signed in, so you can pick up where you left off.
How this is calculated
We estimate your self-employment tax and the retirement accounts (SEP-IRA, Solo 401(k)) that shelter the most income.
The steps
- Net self-employment income × 92.35% gives the base for SE tax.
- SE tax = 15.3% (Social Security + Medicare) on that base, with half deductible against income tax.
- Compare contribution capacity across SEP-IRA and Solo 401(k) at your income.
Assumptions
- 2025 SE-tax rates and the Social Security wage base.
Good to know
- Doesn’t model the full QBI deduction or state specifics.
Related resources
Assessments
Educational disclaimer. Everything on WealthSerene.com is educational and is not investment advice. Projections and calculations are illustrative; actual results depend on market conditions, your situation and factors outside this tool’s scope. For a decision specific to your situation, consult a qualified financial professional. For tax advice, consult a CPA or Enrolled Agent. View full disclosures