US Freelancer Tax Calculator 2026

io.github.NarwhalThePong由 GitHub 账号 NarwhalThePong 发布v1.4.0更新于 Oct 29, 2026

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

发布方自己的服务：freelance.link

已验证STDIO仅桌面效率与工作流金融

服务详情

标识符: io.github.NarwhalThePong/freelance-tax-mcp
传输: STDIO
运行时: Desktop only
信任: Verified
发布于: Oct 29, 2026

安全提示

MCP 服务会接收对话中的工具调用请求，并可能执行外部操作。启用前请先了解该服务能做什么，并只授予它所需的权限。

注册中心已验证此条目所属的 GitHub 账号 NarwhalThePong。这并不表明该账号就是产品方。

SourceWeft 的检查只涵盖条目是否完整、端点是否响应；不审查服务器的代码，也不审查其工具的行为。

在 README 中添加徽章

向读者展示该 MCP 服务已收录于 SourceWeft，徽章链接到本页。

[![Listed on SourceWeft](https://sourceweft.com/badge/mcp/io.github.NarwhalThePong%2Ffreelance-tax-mcp.svg)](https://sourceweft.com/mcp/io.github.NarwhalThePong%2Ffreelance-tax-mcp?utm_source=readme&utm_medium=badge)

概览

AI 生成的概览

本地 MCP 服务器，让助手计算 2026 年美国自由职业者的联邦税务数据：季度预估、自雇税、QBI、里程、家庭办公室、退休金与差旅津贴。

可以做什么: 估算联邦税、安全港季度缴款额及到期日
计算 Schedule SE 自雇税，含附加医疗保险税
计算 Section 199A QBI 扣除，以及达到目标净收入所需的时薪
按行程日期计算里程扣除，并查询 IRS 里程费率
比较简易法与常规法家庭办公室扣除，以及 SEP IRA 与 Solo 401(k) 上限
查询 GSA 差旅津贴费率、行程津贴、餐饮扣除与 M&IE 分项，并列出 2026 年税务数据
适用场景: 适合自由职业者或独资经营者需要快速获得 2026 年联邦税、季度缴款、扣除项或退休金缴款规划数字，并希望由助手在本地计算而非使用网站时。
运行要求: 通过 npx 作为本地进程运行，需要 Node.js 18 或更高版本。无需 API 密钥、账户、环境变量或网络访问。

安装前请注意

结果仅为规划估算，不构成税务、法律或会计建议，申报前应核对 IRS 官方资料。README 还推广了作者自己的免费计算器网页和付费电子表格产品。

安装

在 SourceWeft 中

打开控制台中的 US Freelancer Tax Calculator 2026，将其添加到工作区。
为需要使用其工具的对话启用该服务。

Desktop only，通过 STDIO。 STDIO 服务会启动本地进程，因此需要 SourceWeft 桌面宿主。

其他 MCP 客户端

参照仓库中的启动说明。

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

Tool	What it does
`estimate`	2026 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_tax`	2026 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_deduction`	2026 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_rate`	Hourly 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_dates`	Quarterly estimated tax due dates for a year, moved past weekends and DC legal holidays.
`mileage`	Standard 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_rates`	IRS mileage rates by period with sources.
`home_office`	Simplified ($5 per sq ft, up to 300 sq ft) vs regular Form 8829 method, with the income limit and carryovers.
`retirement_contribution`	2026 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_rates`	Official GSA CONUS per diem rates (FY2026 and FY2027) by ZIP, city or state: lodging maximum by month and the M&IE breakdown.
`per_diem_trip`	Maximum 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_deduction`	Self-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_breakdown`	GSA meals and incidentals tiers (breakfast, lunch, dinner, incidentals, first/last day).
`tax_figures`	2026 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.

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

json

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

{  "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?

Free 2026 self-employment tax calculator: https://narwhalthepong.github.io/gumroad-license-check/self-employment-tax-calculator
Free 2026 QBI deduction calculator: https://narwhalthepong.github.io/gumroad-license-check/qbi-deduction-calculator
Free freelance hourly rate calculator: https://narwhalthepong.github.io/gumroad-license-check/freelance-hourly-rate-calculator
Free freelance quarterly estimated tax calculator: https://narwhalthepong.github.io/gumroad-license-check/freelance-quarterly-estimated-tax-calculator
Free 2026 mileage deduction calculator: https://narwhalthepong.github.io/gumroad-license-check/2026-mileage-deduction-calculator
Free home office deduction calculator: https://narwhalthepong.github.io/gumroad-license-check/home-office-deduction-calculator
Free SEP IRA vs Solo 401(k) contribution calculator: https://narwhalthepong.github.io/gumroad-license-check/self-employed-retirement-contribution-calculator
Free self-employed per diem meal deduction calculator: https://narwhalthepong.github.io/gumroad-license-check/self-employed-per-diem-meal-deduction-calculator
Free GSA per diem calculator: https://narwhalthepong.github.io/gumroad-license-check/gsa-per-diem-calculator

Disclosure: these are our own free pages.

Prefer a spreadsheet?

Freelancer Quarterly Tax Planner 2026 (Excel + Google Sheets), $9: logs each payment and expense, works out how much of every dollar to set aside, the safe-harbor and full quarterly payments, and tracks what you've paid against the 2026 due dates.
Home Office Deduction Worksheet (Excel + Google Sheets), $9: simplified vs regular (Form 8829) method side by side, with depreciation, the income limit and carryovers.

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