Freelancer Tax Set-Aside Calculator: Know how much tax to set aside from any freelance payment

Hey Product Hunt! 👋 Natnael here from Jan Digital.

Every freelancer knows the dangerous game of looking at a freshly paid invoice in your bank account and thinking, "Nice, that's all mine." Three months later, tax estimates hit and you're scrambling.

Most accounting software is overkill if you just want a fast, honest answer to one question: How much of what I just made am I actually allowed to spend?

I built the Freelancer Tax Set-Aside Calculator (FREE Lite) to solve that in 60 seconds:

Zero subscriptions or bank connections: It's a clean, single-sheet spreadsheet.

Instant split: Enter a payment you've received, set your tax and savings percentages, and see your set-aside and your true take-home number for that payment immediately.

One honest number per payment: No dashboards to learn, no bank feeds to babysit — just what to set aside before you spend a cent. (The percentages are yours to set; these are planning estimates, not tax advice.)

It's 100% free on Gumroad ($0). If you end up loving the layout and want the full system, there's an 8-sheet Freelancer Money Toolkit ($14) in the store too — income, expenses and invoice tracking with automatic OVERDUE flags, warnings when a status or amount looks off so your math never silently breaks, a budget planner, and quarterly tax tracking — but the Lite calculator stands completely on its own.

Try breaking the formulas and let me know what you'd want added in v1.3!

— Natnael, Jan Digital