OwedZero · freelancer tax planning
Know what to set aside. See the math.
Plan quarterly estimated taxes, self-employment tax and mileage with OwedZero. Free for now on Android and the web, with no bank login required.
A clearer plan for your next payment
For freelancers, independent contractors and gig workers: combine your 1099 income, business expenses and W-2 withholding in one planning worksheet.
- Compare general estimated-payment methods.
- Keep income, receipt and manual mileage records.
- Export a CSV summary or a full JSON backup.
- See overdue amounts without a false promise that late payments erase penalties.
Example · single filer · Texas
$12,037.20 estimated federal tax
$80,000 gross less $20,000 business expenses. No W-2 wages, credits or other deductions. Computed by the app engine.
Self-employment tax: $8,477.73
Even quarterly planning amount: $2,708.37
Inside OwedZero
What the estimate covers
Tax year 2026, standard deduction, single, married filing jointly or head of household, W-2 blending, self-employment tax and a simplified QBI deduction for an active solo business. State amounts are adjustable flat-rate planning estimates, not state return calculations.
It does not model credits, capital gains, itemized deductions, AMT, married filing separately, annualized installments, special occupations or every deduction eligibility rule. Retirement and health deductions require your own eligibility checks. Prior-year safe harbor assumes a full 12-month return; the zero-tax exception also requires full-year US citizenship or residency. Timing matters even if the annual total is paid.
Common questions
Is OwedZero free?
All features are free for now. This release requires no payment or subscription.
Do I need a bank login?
No. Enter your own figures. OwedZero does not connect to a bank or move money.
Can it calculate my final tax bill?
No. It provides a limited planning estimate. Check your return, deductions and payment timing with official IRS instructions or a qualified preparer.
Does it work offline?
The browser calculator works offline after its first successful load and cache installation. IRS links, initial loading and store access need internet.
OwedZero is not affiliated with the IRS or any government agency. Estimates for planning, not tax advice. It does not file returns or send payments. Tax engine 2026.3.0; figures checked September 26, 2026.