US Freelancer Tax Calculator 2026

io.github.NarwhalThePong由 GitHub 帳號 NarwhalThePong 發布v1.4.0更新於 Oct 29, 2026

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

發布方自己的服務：freelance.link

已驗證STDIO僅桌面效率與工作流金融

服務詳細資訊

識別碼: io.github.NarwhalThePong/freelance-tax-mcp
傳輸: STDIO
執行環境: Desktop only
信任: Verified
發布於: Oct 29, 2026

安全提示

MCP 服務會接收對話中的工具呼叫請求，並可能執行外部操作。啟用前請先了解該服務能做什麼，並只授予它所需的權限。

註冊中心已驗證此條目所屬的 GitHub 帳號 NarwhalThePong。這並不表明該帳號就是產品方。

SourceWeft 的檢查只涵蓋條目是否完整、端點是否回應；不審查伺服器的程式碼，也不審查其工具的行為。

在 README 中新增徽章

向讀者展示該 MCP 服務已收錄於 SourceWeft，徽章連結到本頁。

[![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)

概覽

AI 產生的概覽

本機 MCP 伺服器，讓助理計算 2026 年美國自由工作者的聯邦稅務數據：季度預估、自僱稅、QBI、里程、居家辦公、退休金與差旅津貼。

可以做什麼: 估算聯邦稅、安全港季度繳款金額與到期日
計算 Schedule SE 自僱稅，含附加醫療保險稅
計算 Section 199A QBI 扣除，以及達到目標淨收入所需的時薪
依行程日期計算里程扣除，並查詢 IRS 里程費率
比較簡易法與一般法居家辦公扣除，以及 SEP IRA 與 Solo 401(k) 上限
查詢 GSA 差旅津貼費率、行程津貼、餐飲扣除與 M&IE 分項，並列出 2026 年稅務數據
適用情境: 適合自由工作者或獨資經營者需要快速取得 2026 年聯邦稅、季度繳款、扣除項目或退休金提撥規劃數字，並希望由助理在本機計算而非使用網站時。
執行需求: 透過 npx 以本機程序執行，需要 Node.js 18 或更新版本。無需 API 金鑰、帳號、環境變數或網路連線。

安裝前請注意

結果僅為規劃估算，不構成稅務、法律或會計建議，申報前應核對 IRS 官方資料。README 另推廣作者自家的免費計算器網頁與付費試算表產品。

安裝

在 SourceWeft 中

開啟儀表板中的 US Freelancer Tax Calculator 2026，將其新增到工作區。
為需要使用其工具的對話啟用該服務。

Desktop only，透過 STDIO。 STDIO 服務會啟動本機處理程序，因此需要 SourceWeft 桌面主機。

其他 MCP 客戶端

參照儲存庫中的啟動說明。

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.