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How much of that invoice is actually yours?

Self-employment tax, a simplified federal bracket estimate, and a flat state rate — added up and turned into the percentage you move to a separate account every time a client pays. Nothing is sent anywhere; the math happens on this page.

Expected annual net self-employment income

Revenue minus business expenses — the number before any tax.

Filing status

Only used for the standard deduction and bracket thresholds. This estimate assumes this is your household's only income.

State income tax

Flat state rate (%)

A single flat percentage of net. Your state's real brackets will differ — this is a planning number, not a filing.

Estimated payments per year

The IRS quarterly schedule is four. Only change this if you pay on a different cadence.

Suggested set-aside

— of every payment

Self-employment tax (est.): —
Federal income tax (est.): —
State tax (est.): —
Total estimated tax: —
Per estimated payment: —
Set aside per $1,000 invoiced: —

Enter your numbers.

Rough planning numbers, not tax advice. Your CPA wins ties. The math: self-employment tax is 15.3% on 92.35% of net, with half deducted before income tax; federal income tax uses the 2026 standard deduction (about $16,100 single / $32,200 married filing jointly) and simplified 2026 brackets capped at the 24% band. It ignores the Social Security wage cap, Additional Medicare Tax, credits, deductions beyond the standard, and any other income in your household.

Make it visible

The set-aside only works if you can see the whole year.

The Cash Flow Command Center is the 13-week forecaster, P&L dashboard, and invoice tracker this studio runs on — the quarterly tax payment shows up as a line item weeks before it's due. $39, with the standing 14-day refund. Related reading: the 13-week cash flow habit.