Self Employed Paycheck Calculator

Self Employed Paycheck Calculator helps freelancers, consultants, and business owners estimate real take-home pay after taxes, expenses, deductions, and retirement contributions. Compare Sole Proprietor and S-Corp income, understand quarterly tax impact, and see safe-to-spend earnings clearly.

Target allocation percentages for your revenue:
Business Analysis
Score: 85/100
🟢 Stable Revenue Detected
Your Tax
📅 Reality Check: This Month vs Average
This Month (Input)
$0
Current Projection
Sustainable Avg
$0
0% diff
Tax Vault Target Calculating…
YTD Expected 0% Funded
🚀 S-Corp Election saves you $0 in Self-Employment Tax vs Sole Prop.
Safe to Spend ✔
Safe to Spend (Net)
$0.00
After Taxes & Exp
Real Hourly (Net)
$0.00/hr
Based on 2080 hrs
Spend
$0
Tax
$0
Exp
$0
Save
$0
Marginal Value
$0
kept of next $1,000
🧾 Per $1,000 Invoice Split
You Keep: $0
Tax Vault: $0
Expenses: $0
Invisible Tax: 0% of every profit dollar never reaches your pocket.
📆 Estimated Quarterly Payments (1040-ES)
Q1 (Apr 15)
$0
(Est. Avg)
Q2 (Jun 15)
$0
(Est. Avg)
Q3 (Sep 15)
$0
(Est. Avg)
Q4 (Jan 15)
$0
(Est. Avg)
Quarterly Stress Level: 😌 Low
🔥 Personal Burn Rate
$0 / day
⏳ Cash Runway
0 Days
QBI Savings
$0.00
Retirement Leverage
$0.00/1k
Lifestyle Stress
😌
📉 Client Risk: Losing 1 major client = -$0/month impact.
(Assumes top client = 20% of revenue)
🛡️ Emergency Buffer: Current savings cover 0 months of lifestyle.
Year-End Trajectory
Projected Net: $0.00
Weak Month
$0
(Est -30%)
Avg Month
$0
Strong Month
$0
(Est +30%)
🏝️ If I Take a Month Off:
Lost Income: $0
Impact: Confidence Score –0pts, Vault Status -0%
CategoryAmount
Gross Revenue $0.00
– Expenses (OpEx + COGS) -$0.00
– Deductions (Health/Home/Ret) -$0.00
Taxable Income (AGI Est.) $0.00
Self-Employment / Payroll Tax $0.00
Federal Income Tax $0.00
State Income Tax $0.00
QBI Deduction Savings (Est) -$0.00

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