Pick your country, type in what you'll earn — see your take-home instantly.
Freelancer, independent contractor, 1099 worker, or sole trader — whatever you call it, this free tool estimates your income tax and mandatory contributions for six countries, so you know what you actually keep.
Type in what you expect to earn this year as a freelancer or self-employed person, and this tool estimates the income tax and mandatory contributions you'll owe — then shows what's actually left for you to keep. It updates instantly as you type, no sign-up, no email required.
Pick your country
Enter your expected income
See your real take-home pay
Each country uses its own actual 2026 tax brackets and mandatory self-employed contributions (Social Security & Medicare in the US, National Insurance in the UK, CPP in Canada, the Medicare Levy in Australia, health insurance in Germany, and social security in Bulgaria) — not a generic guess. Every country has quirks that a one-size-fits-all formula would get wrong, so each one is calculated on its own terms. The notes box above the results spells out exactly what's assumed for the country you picked.
This is a planning estimate, not a filing tool. It assumes a single filer with no dependents, deductions, or credits beyond the standard ones, and (outside Bulgaria's automatic expense allowance) doesn't account for business expenses you could write off. Canada's figure is federal tax only — your province adds more on top. Treat the result as a solid ballpark for budgeting and quarterly-payment planning, not as tax advice.
No — use it for planning and estimating, not filing. It doesn't know your deductions, dependents, marital status, or business expenses (aside from Bulgaria's built-in allowance). For your actual return, use official software or a tax professional.
The Canada estimate is federal tax and CPP only. Every province also charges its own income tax on top — typically another 5–15% depending on where you live and how much you earn — so your real total will be higher than the number shown.
Only Bulgaria, where a 25% expense allowance is automatic by law. For every other country, enter your income after subtracting the business expenses you plan to deduct, if you want those reflected.
Because getting a country's numbers right takes real research, and a wrong tax estimate is worse than none. More countries get added once their numbers are properly verified, rather than guessed at.
These reflect the 2026 tax year (2025–26 for Australia, whose tax year runs July to June). Brackets and contribution rates are checked and updated when governments announce changes, typically once a year.
A common rule of thumb is 25–30% of every payment, but the real number depends heavily on your country and income level — in the US it can run higher once self-employment tax stacks on top of income tax, while Bulgaria's flat rate lands lower. Run your actual numbers above instead of guessing with a flat percentage.
For US users, yes — "1099" just refers to the tax form independent contractors receive instead of a W-2, and the US self-employment tax math here is the same math a 1099 tax calculator uses. This tool covers that plus five other countries.
"Sole trader" is the UK and Australian term for a self-employed individual running their own business. The amount owed depends on profit and country — select United Kingdom or Australia above and enter your expected profit to get a specific estimate rather than a generic percentage.