Know exactly what to set aside for taxes.
Your income is lumpy and the tax bill shouldn't be a surprise. Keldwell's free calculators show what to set aside, what you owe each quarter, and what's genuinely safe to spend — no jargon, no hustle, no upsell.
Calculate what to set aside →Built for irregular income
Mainstream budgeting apps assume a steady paycheck. These don't.
Self-employed tax calculator
What % to set aside, your quarterly estimate, and your safe-to-spend number.
Quarterly tax calculator
Your four estimated-tax payments for the year, with the deadlines.
1099 vs W-2 calculator
The contract rate you'd need to match a salary, after taxes and benefits.
Home office deduction
Estimate your deduction with the simplified and actual-expense methods.
Gig worker taxes
DoorDash, Uber, Instacart & more — mileage, deductions, what to set aside.
See all calculators →
Every Keldwell tool for the self-employed, in one place.
Money guidance without the noise
Reviewed by a CPA
Every tax figure is checked by a credentialed accountant — and we tell you where our estimates simplify.
Your numbers stay yours
Calculators run entirely in your browser. Nothing you type is stored or sent anywhere.
No hustle, no hype
Plain answers to real questions. We'd rather you set money aside and get back to work.
Genuinely free tools
The calculators are free and always will be. We earn only when we point you to something worth using.
Your whole self-employed money life
Taxes are the start. Here's the rest, explained simply.
Health insurance
How to get covered — and deduct it — when you don't have an employer plan.
Business banking
The best accounts for separating business money and auto-saving for taxes.
Accounting software
Track income, expenses, and deductions without a bookkeeping degree.
Retirement
Solo 401(k) vs SEP-IRA — how the self-employed save and cut taxes doing it.
Deductions
The write-offs freelancers miss most, and how to claim them safely.
All guides →
Straightforward answers to the money questions of self-employment.
Keldwell's tools are free, and always will be — a small contribution to financial inclusion and decent work (UN SDGs 1 & 8): a fairer footing for people who work for themselves.
The quarterly nudge
One calm email before each estimated-tax deadline, plus the occasional genuinely useful money tip. No spam, unsubscribe anytime.