Honest money math for freelancers
Calculators, worked examples and software comparisons built from published prices, with the method shown. We say what we checked and what we did not.
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Time Tracking Tools for Freelancers: Compared by Price and What Each Plan Includes
Toggl Track, Clockify and Harvest compared using published plan pricing (checked 2026-10-06), with a guide to which pricing model suits a solo freelancer.
Sole Proprietor vs LLC vs S-Corp: When Does Each Make Sense Financially?
A plain-English comparison of sole proprietorship, LLC and S-corp election for US freelancers, with the main tax and cost trade-offs and when to ask a professional.
Self-Employment Tax Explained With Real Numbers
What US self-employment tax is, how the 92.35% rule and Social Security cap work, and example calculations at three income levels.
Getting Paid by International Clients: What to Compare Before You Choose
A framework for comparing ways freelancers receive cross-border payments, with the published Wise receiving fees (checked 2026-10-06) and the costs that are easy to miss.
Quarterly Estimated Taxes for Freelancers: Dates, Safe Harbor and a Worked Example
When freelancers pay US estimated taxes, the IRS safe-harbor rules that avoid penalties, and a worked example of four payments.