US Freelancer Tax Calculator 2026

io.github.NarwhalThePongPublished by GitHub account NarwhalThePongv1.4.0Updated Oct 29, 2026

2026 US freelancer tax: quarterly estimates, SE tax, QBI, mileage, home office, SEP/401k, per diem.

The publisher's own server: freelance.link

VerifiedSTDIODesktop onlyProductivity & WorkflowFinance

Overview

AI-generated overview

Local MCP server that lets an assistant compute 2026 US freelancer federal tax figures: quarterly estimates, SE tax, QBI, mileage, home office, retirement and…

What you can do
  • Estimate federal tax and safe-harbor quarterly payments with due dates
  • Compute Schedule SE self-employment tax, including Additional Medicare Tax
  • Calculate the Section 199A QBI deduction and the hourly rate needed for a target take-home
  • Work out mileage deductions by trip date, plus IRS mileage rates
  • Compare simplified and regular home office deductions, and SEP IRA vs Solo 401(k) limits
  • Look up GSA per diem rates, trip per diem, meal deductions and M&IE tiers, and list 2026 tax figures
When to use it
Useful when a freelancer or sole proprietor wants quick planning numbers for 2026 federal taxes, quarterly payments, deductions or retirement contributions, and prefers the assistant to compute them locally rather than on a website.
Requirements
Runs as a local process via npx; requires Node.js 18 or newer. No API key, account, environment variables or network calls are needed.
Before you install
Outputs are planning estimates only, not tax, legal or accounting advice; verify against IRS sources before filing. The README also promotes the author's own free calculator pages and paid spreadsheet products.

Installation

In SourceWeft

  1. Open US Freelancer Tax Calculator 2026 in the dashboard and add it to a workspace.
  2. Enable the server for the chats that should use its tools.

Desktop only via STDIO. STDIO servers start a local process, so they need the SourceWeft desktop host.

Other MCP clients

Follow the launch instructions in the repository.

README

freelance-tax-mcp

A free Model Context Protocol (MCP) server for US freelancer and sole-proprietor taxes in 2026: quarterly estimated tax with the safe harbor, self-employment tax (Schedule SE, with the Additional Medicare Tax), the Section 199A QBI deduction (Form 8995 / 8995-A), the hourly rate you need to charge, IRS due dates, the IRS mileage deduction (including the July 1, 2026 rate change), the home office deduction, the most you can put into a SEP IRA vs a Solo 401(k), and official GSA per diem rates with the self-employed meal deduction. Everything runs locally: no API key, no account, no network calls.

Tools

ToolWhat it does
estimate2026 federal estimate from net_profit (or ytd_profit + months): SE tax, income tax, QBI, safe-harbor quarterly payment and due dates. Options filing_status, w2_wages, withholding, prior_year_tax, prior_year_agi, state_rate_pct.
self_employment_tax2026 Schedule SE: 15.3% on 92.35% of net profit (none under $400), Social Security 12.4% up to the $184,500 wage base minus your W-2 wages, Medicare 2.9% with no cap, 0.9% Additional Medicare Tax over $200,000 / $250,000 (mfj) / $125,000 (mfs) split into the SE and wage parts, the deductible half, quarterly share and effective rate. Options filing_status, w2_wages, spouse_w2_wages, ytd_profit + months.
qbi_deduction2026 Section 199A Qualified Business Income deduction for one business (Form 8995 / 8995-A): 20% of QBI at or below the $201,750 threshold ($403,500 mfj), the phase-in range up to $276,750 ($553,500 mfj) with the W-2 wage / UBIA limit, the SSTB phase-out, 20% of REIT/PTP income and the cap of 20% of taxable income minus net capital gain. Needs qbi and taxable_income (before the QBI deduction); options filing_status, sstb, w2_wages, ubia, reit_ptp_income, net_capital_gain.
freelance_hourly_rateHourly and day rate needed to take home a target income after tax, business costs, weeks off, non-billable hours and a slow-month buffer; check_rate shows what a given rate pays per year and per hour worked.
due_datesQuarterly estimated tax due dates for a year, moved past weekends and DC legal holidays.
mileageStandard mileage deduction priced by the date of each trip (business 72.5 cents Jan to Jun 2026, 76 cents from Jul 1), from a trip log or split totals.
mileage_ratesIRS mileage rates by period with sources.
home_officeSimplified ($5 per sq ft, up to 300 sq ft) vs regular Form 8829 method, with the income limit and carryovers.
retirement_contribution2026 SEP IRA vs Solo 401(k) maximum contribution for a sole proprietor or single-member LLC (IRS Pub. 560 rate worksheet): employer share, $24,500 deferral, catch-up ($8,000 at 50+, $11,250 at 60 to 63), the $72,000 cap, which plan allows more and estimated income tax saved. Options age_group, w2_wages, other_deferrals, plan_rate, bracket.
per_diem_ratesOfficial GSA CONUS per diem rates (FY2026 and FY2027) by ZIP, city or state: lodging maximum by month and the M&IE breakdown.
per_diem_tripMaximum per diem for a trip under GSA/FTR rules: lodging per night, M&IE with 75% on the first and last day, minus provided meals.
meal_deductionSelf-employed meal deduction with the IRS standard meal allowance (Pub. 463): federal M&IE rate, 3/4 on travel days (or full), times 50% (or 80% for DOT hours-of-service workers).
mie_breakdownGSA meals and incidentals tiers (breakfast, lunch, dinner, incidentals, first/last day).
tax_figures2026 brackets, standard deductions, SE tax figures and official IRS/SSA sources.

Figures come from IRS Rev. Proc. 2025-32, the SSA 2026 wage base ($184,500), Form 1040-ES (2026), IRS Announcement 2026-11, Pub. 587, Pub. 560, IRS Notice 2025-67 (2026 retirement plan limits), Forms 8995 and 8995-A (Section 199A), Pub. 463 and GSA per diem rates (api.gsa.gov, fetched 2026-10-20; public domain). Planning estimates only; not tax, legal or accounting advice.

Install

Requires Node.js 18 or newer.

bash
npx -y freelance-tax-mcp

Add to your MCP client's config (for Cursor, ~/.cursor/mcp.json):

json
{  "mcpServers": {    "freelance-tax": { "command": "npx", "args": ["-y", "freelance-tax-mcp"] }  }}

From source: git clone https://github.com/NarwhalThePong/freelance-tax-mcp.git && cd freelance-tax-mcp && npm install && npm test.

Example

estimate with { "net_profit": 80000 } (single, no other income) returns self-employment tax of $11,303.64, total 2026 federal tax of $16,647.47 and a quarterly payment of $4,161.87, with the four due dates.

self_employment_tax with { "net_profit": 250000, "w2_wages": 50000 } (single) returns Social Security of $16,678 (only $134,500 of wage base left), Medicare of $6,695.38, self-employment tax of $23,373.38 (deductible half $11,686.69) and $727.88 of Additional Medicare Tax on the self-employment income.

qbi_deduction with { "qbi": 150000, "taxable_income": 240000, "sstb": true, "w2_wages": 40000 } (single, a consulting-type service business inside the phase-in range) keeps 49% of the QBI and wages, so 20% of $73,500 is $14,700, the wage limit is $9,800 and the phase-in reduction is $2,499, giving a QBI deduction of $12,201.

freelance_hourly_rate with the defaults ($60,000 take-home, $6,000 costs, 30% tax, 6 weeks off, 40 hours a week, 65% billable, 10% buffer) returns $85.21 an hour ($681.64 a day) over 1,196 billable hours.

retirement_contribution with { "net_profit": 100000 } (under 50) returns a SEP IRA maximum of $18,587.04 and a Solo 401(k) maximum of $43,087.04 ($24,500 deferral + $18,587.04 employer share).

meal_deduction with { "zip": "10001", "start": "2026-11-03", "end": "2026-11-06" } (New York City, 4 days) returns a standard meal allowance of $322 ($69 + $92 + $92 + $69) and a 50% deduction of $161.

Prefer a web page?

Disclosure: these are our own free pages.

Prefer a spreadsheet?

Both are our own paid products (the MCP server stays free). Not tax advice.

License

MIT

Source: README.md at commit 842d232

Tools

0
SourceWeft has not started this package in its sandbox yet, so its tools are not known.

Version history

1
  1. v1.4.0LatestOct 29, 2026

Score

50% of the applicable checks met

How complete this listing is, computed from the registry entry, the endpoint and public sources. Not a rating of the server and not a statement that it is safe or working today: reachability is a dated check, and no installs or reviews go into the score.

  • Reached in the last 30 days25 pts

    Keep the endpoint answering the MCP handshake; SourceWeft probes it every 30 days.

  • Auth declared10 pts

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  • Tools listed15 pts

    Answer tools/list without a credential, or ship a package that starts in a sandbox without one.

  • DescriptionRequired15 pts
  • Logo10 pts
  • Documentation15 pts
  • License10 pts

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