ceocult

Personal finance for the self-employed

Taxes, retirement, health insurance, and money strategy built for the 59 million Americans working for themselves. No jargon. No generic advice.

Browse all guides Quarterly tax guide →
59M
US gig workers
30%
Avg tax rate (unprepared)
$0
Cost to access everything
14
Guides published
New · Free Financial Tools
Stop guessing what you owe
Free tax calculators, penalty estimators, and financial planning tools built specifically for freelancers and gig workers. No login. No fees. Your data never leaves your browser.
Deadline Dashboard Tax Pipeline 1099 vs W-2 S-Corp Calc Rate Calc Reseller Analyzer
Explore all tools → Try deadline dashboard

Free financial tools — no login, no fees

Six production-grade calculators covering taxes, planning, and profit analysis. Every calculation runs in your browser. Your data never leaves your device.

📅
Deadline Dashboard
Live countdown to your next quarterly payment, penalty calculator, and IRS payment links.
→ Open tool
🧮
Income-to-Tax Pipeline
Enter all income sources — freelance, gig, resale, crypto, W-2 — and see your total tax picture.
→ Open tool
⚖️
1099 vs W-2 Compare
Side-by-side take-home, real hourly rates, and the break-even 1099 rate for your situation.
→ Open tool
🏢
S-Corp Readiness
Real savings after compliance costs. Honest break-even at ~$75K. State-specific analysis.
→ Open tool
💰
Freelance Rate Calc
Enter your target take-home. Get the exact hourly rate after taxes, insurance, and PTO.
→ Open tool
📦
Reseller Profit Analyzer
Cross-platform fees + tax layer. eBay, Poshmark, Mercari, Etsy, Amazon compared. Batch mode.
→ Open tool
View all tools & details →

Start here

All guides →
⭐ Most read
How to pay quarterly estimated taxes as a freelancer (2026 guide)
Due dates, how to calculate what you owe, how to pay, and what happens if you miss. The one guide every 1099 worker needs.
Updated March 2026 · 12 min read
2026 due dates:
Q1 → April 15
Q2 → June 16
Q3 → September 15
Q4 → January 15, 2027
Tax
Self-employed tax deductions: the complete list for 2026
March 2026 · 15 min read
Retirement
Solo 401(k) vs SEP IRA: which is better for the self-employed?
March 2026 · 10 min read

Browse by topic

📋
Taxes
8 guides
📈
Retirement
1 guide
🛡️
Health insurance
1 guide
🏦
Banking & tools
1 guide
🚗
Gig platforms
3 guides

Latest guides

See all →
Tax
What is a Schedule C and who needs to file one
March 2026 · 7 min
Insurance
Health insurance options for self-employed people in 2026
March 2026 · 9 min
Tax
How much should a 1099 contractor set aside for taxes?
March 2026 · 6 min
Banking
Best business bank accounts for freelancers 2026
March 2026 · 10 min
Gig
Uber and Lyft driver tax deductions: complete list (2026)
March 2026 · 8 min
Retirement
Solo 401(k) vs SEP IRA: which is better for the self-employed?
March 2026 · 10 min