100% client-side. Your data never leaves your browser.
Updated for 2026 IRS tax brackets

Free 2026 US Freelance
Tax and Invoice Toolkit.

Send invoices, track expenses, estimate your 1099 bill, and pressure-test every dollar against the real 2026 IRS brackets. Private, instant, no account.

Generate an invoice Estimate 1099 taxes Try the what-if simulator
Tools
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Your finance toolkit.

Five purpose-built tools, wired together. Pick one to start.

01 / Invoice

Invoice Generator

Professional invoices with line items, tax, and four templates. One click PDF.

Open
02 / Expenses

Expense Tracker

Categorize Schedule C expenses. Stays in your browser. Export CSV anytime.

Open
03 / 1099

1099 Tax Estimator

Federal income plus SE tax on 2026 brackets. Quarterly breakdowns included.

Open
04 / ROI

Side-Hustle ROI

Find your true effective hourly after costs, taxes, and opportunity cost.

Open
05 / Advanced . featured

Tax Bracket What-If Simulator

Drag income, deductions, and filing status to watch marginal vs. effective rates move in real time. Charts your entire 2026 bracket curve.

Open simulator
A full freelancer workflow, in one tab
Send invoice / Log expenses / Estimate taxes / Check ROI / Simulate brackets / Export PDF / Stay private /

Private by default

Every calculation runs in your browser. No accounts, no backend, no analytics of your numbers. You can literally unplug from the internet after the page loads.

Open methodology

Every formula is documented. Self-employment tax, QBI, standard deduction, the whole bracket climb. See the math, tweak the assumptions.

Built for gig work

Rideshare, freelance design, Etsy, consulting. If it pays in 1099-NEC or 1099-K, the math here applies. US-focused, federal plus SE tax.

Stop guessing. Start forging.

Invoice a client, log today's miles, or stress-test next year's income, in the same tab, for free, forever.

Start with an invoice Open the simulator
Tool 01

Invoice Generator

Choose a template, add your logo, pick brand colors, and ship a PDF in under a minute.

Template

Pick a look. All templates support logos, custom fonts and colors.

Branding

From

Bill to

Invoice details

Line items

Notes

INVOICE
INV-0001
Your name
Bill to
Client name
Dates
Issued: -
Due: -
Description Qty Rate Amount
Subtotal$0.00
Tax (0%)$0.00
Total$0.00
Notes
Tool 02

Expense Tracker

Log deductible expenses by Schedule C category. Data stays in localStorage, never leaves this device.

YTD total
$0.00
This month
$0.00
Entries
0
Est. tax savings
$0.00

Add expense

By category

YTD

Monthly trend

Entries

Date Description Category Amount
No expenses yet. Add your first one.
Tool 03

1099 Tax Estimator

Federal income tax plus self-employment tax on 2026 IRS brackets. Results update as you type.

Itemize instead of standard deduction
Estimated total federal tax . 2026
$0
of $0 AGI
Effective rate: 0.0%
Marginal rate: 0%
Take-home: $0

Breakdown

Net SE earnings
$0
SE tax (15.3%)
$0
1/2 SE deduction
-$0
QBI deduction (20%)
-$0
Deduction used
$0
Taxable income
$0
Federal income tax
$0

Quarterly estimates

Safe-harbor split. Pay via IRS Direct Pay.

  • Q1 . Apr 15$0
  • Q2 . Jun 15$0
  • Q3 . Sep 15$0
  • Q4 . Jan 15$0

Where each dollar goes

Take-home Federal income tax SE tax Business expenses
Methodology: Net SE earnings = gross minus expenses. SE tax applies 15.3% to 92.35% of net SE earnings (Social Security cap of $176,700 for 2026, Medicare uncapped, plus 0.9% Additional Medicare over $200k single / $250k MFJ). Half of SE tax is deducted from AGI. QBI is a simplified 20% of qualified business income. Standard deductions used for 2026: $15,750 single / $31,500 MFJ / $15,750 MFS / $23,625 HOH. Income tax computed with 2026 IRS brackets. Estimator is for planning only, not tax advice.
Tool 04

Side-Hustle ROI Calculator

What's your gig actually paying, after costs and taxes? Find the true effective hourly.

Effective hourly rate
$0/hr
After costs and taxes. Compare to your opportunity cost.
Monthly take-home
$0
Annual take-home
$0
Hours / month
0
Verdict
-

Money flow

Tool 05 . Advanced

Tax Bracket What-If Simulator

Drag income up and watch the bracket climb. Real 2026 IRS brackets. See marginal vs. effective in real time.

$0$750k
Include SE tax (1099)
Marginal rate0%
Effective rate0%
Next $1,000 costs$0

2026 brackets . Single

    Total federal liability
    $0
    Take-home
    $0
    Effective vs. marginal rate across all income levels. Dot marks your position.

    Tax stack

    Bracket contribution

    About

    Built by freelancers, for freelancers.

    GigTaxForge started the way a lot of small tools do. Someone doing their own quarterly estimate in a spreadsheet at 2am, realizing there was no reason a working gig economy should be paying $15/mo subscriptions to solve the same five problems over and over.

    We believe three things:

    • Your financial data belongs to you. Not on a server, not sold to ad networks, not "anonymized" into training data. Everything here runs client-side.
    • Free means free. No upsell, no "premium" gate on the expensive math. The tools are the product.
    • Tax math should be legible. Every formula on this site is documented. You can see exactly how we got the number.

    We're a tiny independent project, not VC-backed. We're not CPAs, we're not lawyers, and nothing on this site is tax advice. Use it to plan, then verify with a professional before you file.

    100%
    Client-side. No data sent.
    0
    Trackers, pixels, or ads.
    $0
    Cost. Now and always.
    Field notes

    The Forge Blog

    Plain-English writing on gig-economy taxes, deductions, and the strange corners of Schedule C.

    Taxes . 8 min read

    The 2026 1099-K threshold is $2,500. Here's what that actually means for you.

    Payment apps, aggregation, and why ignoring the form won't make it go away.

    Deductions . 6 min read

    Standard mileage vs. actual expenses: the rideshare math most drivers get wrong

    A worked example for a 2019 Corolla running 18,000 miles a year.

    Home office . 5 min read

    Home office deduction: the simple method vs. actual, in plain numbers

    When $5/sqft beats tracking utilities, and when it doesn't.

    Quarterly . 4 min read

    The underpayment penalty, explained without the scary jargon

    Safe harbor rules, the 110% rule, and exactly how much interest the IRS charges.

    FAQ

    Common questions

    Legal

    Privacy Policy

    Last updated: January 2026

    The short version

    We don't collect your financial data. The calculators run in your browser. Expense entries are stored in your browser's localStorage and never transmitted anywhere.

    What we do log

    Our hosting provider records standard web-server access logs (IP, user-agent, page URL, timestamp). These are retained for 14 days and used only to debug outages. We don't use third-party analytics or tracking pixels.

    Cookies

    We use one cookie-equivalent: a localStorage key storing your theme preference. That's it.

    Contact

    Privacy questions? Get in touch.

    Legal

    Terms of Use

    Last updated: January 2026

    Not tax advice

    GigTaxForge is an educational tool. Nothing on this site is tax, legal, or financial advice. Tax law changes, edge cases exist, and your situation may differ from the simplified assumptions in our calculators. Verify with a licensed CPA or tax professional before filing.

    Accuracy

    We work hard to keep the math right, but we provide the tools as is with no warranty. The 2026 IRS brackets and rules may be revised by the IRS after our last update.

    Your content

    Because we don't store your data server-side, you retain everything. Clear your browser storage to remove expense records.

    Liability

    We're not liable for tax you owe, penalties, or decisions made based on these tools. Use them to plan, not to file.

    Contact

    Get in touch

    Bug report, bracket correction, or feature request. Pick your channel.

    Email
    [email protected]
    GitHub
    github.com/gigtaxforge