Guides
Clear, practical guides on the money side of freelancing - invoicing, pricing, US taxes, and international VAT/GST. Each one links to a free tool that does the math for you.
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How to Invoice as a Freelancer
What to put on an invoice, how to set net terms, which payment methods get you paid fastest, and how to handle late fees.
How Much to Set Aside for 1099 Taxes
Why self-employment tax changes everything, the 25-35% rule of thumb, and how a separate tax account keeps you out of trouble.
Quarterly Estimated Taxes: A Complete Guide
Who has to pay, the four due dates, the safe-harbor rule, how to actually pay the IRS, and what penalties cost.
2026 Tax Changes for Freelancers (OBBBA), Explained
What the One Big Beautiful Bill Act changes for 2026: the new $2,000 1099 threshold, a permanent QBI deduction, a bigger standard deduction, and more.
Freelancer taxes
Understand and plan for self-employment taxes: what you owe, how much to set aside, quarterly payments, deductions, and the forms clients ask you for.
- How Much to Set Aside for 1099 Taxes Why self-employment tax changes everything, the 25-35% rule of thumb, and how a separate tax account keeps you out of trouble.
- Quarterly Estimated Taxes: A Complete Guide Who has to pay, the four due dates, the safe-harbor rule, how to actually pay the IRS, and what penalties cost.
- 1099 vs W-2, Explained The legal and tax differences, the hidden employer burden, the benefits gap, and how to compare an offer on a true-wage basis.
- Freelancer Tax Deductions You Should Know Common Schedule C write-offs - home office, mileage, software, health insurance, retirement, QBI - and how to keep clean records.
- 2026 Tax Changes for Freelancers (OBBBA), Explained What the One Big Beautiful Bill Act changes for 2026: the new $2,000 1099 threshold, a permanent QBI deduction, a bigger standard deduction, and more.
- How to Fill Out a W-9 as a Freelancer A line-by-line walkthrough of IRS Form W-9: SSN vs EIN, backup withholding, and how it differs from a W-4 and a 1099.
Invoicing & payment
Bill clients professionally and get paid on time: what goes on an invoice, how to set payment terms, and how to handle late fees.
- How to Invoice as a Freelancer What to put on an invoice, how to set net terms, which payment methods get you paid fastest, and how to handle late fees.
- Invoice Payment Terms Explained What Net 30, Net 15, due on receipt, and 2/10 Net 30 mean, when to use each, and how to combine terms with deposits and late fees.
- How to Add a Late Fee to an Invoice How much you can charge, flat vs percentage fees, state limits, and the exact wording to put on your invoice and contract.
Pricing & business
Price your work and run the money side of freelancing with confidence.
International: UK, EU & India
Invoicing and tax beyond the US: UK contractor take-home and IR35, EU VAT and the reverse charge, and GST for freelancers in India.
- Inside vs Outside IR35: What It Means for Your Take-Home What inside vs outside IR35 means for UK contractors, how each is taxed (PAYE vs salary and dividends), and why outside usually pays more.
- EU VAT Invoices and the Reverse Charge, Explained What a VAT invoice must show, standard VAT rates by country, and how the intra-EU B2B reverse charge decides when you add VAT.
- GST for Freelancers in India (After GST 2.0) When to register, the GST rates after the 2025 GST 2.0 reform, 18% on most services, CGST/SGST vs IGST, and what a GST invoice must show.