MyTaxQuarter helps 1099 contractors calculate quarterly estimated taxes, set the right freelance rate, and estimate ACA health insurance subsidies — all free, no signup, no data stored. Built by a freelancer, for freelancers.
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Maker
📌
Hey Product Hunt! 👋
I built MyTaxQuarter after getting hit with a $4,200
surprise tax bill in my first year of freelancing.
Every calculator I found was either too generic, required
signing up, or didn't explain the math. So I built one
that actually shows the full breakdown.
What's included — all free, no account needed:
🧮 1099 Tax Calculator
Calculates quarterly federal + state taxes with SE tax
wage base cap, W-2 income stacking, safe harbor 100%/110%
rule based on prior year AGI, and a printable PDF summary
for your accountant.
💰 Freelance Rate Calculator
Works backwards from your desired take-home income —
accounts for taxes, health insurance, retirement, and
non-billable hours. Most freelancers underprice by 40-60%.
🏥 ACA Subsidy Estimator
Estimates your 2026 Premium Tax Credit. Includes cliff
warning if you're close to the 400% FPL income limit
where your entire subsidy disappears — and strategies
to reduce your MAGI to stay under it.
All calculations happen in your browser — nothing is
stored or sent to any server. No signup, no email required.
Happy to answer any questions about the tax math or
how I built it. What would you add next? 🙏
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Love that it doesn't ask for an email just to run the numbers. The ACA subsidy estimate was surprisingly close to what I got from a longer spreadsheet I usually use.
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Maker
@sudegzvs Thanks! I deliberately kept it email-free so people could get answers right away. Really glad the ACA estimate matched your spreadsheet that closely. If you notice anything that could be improved as you use it more, I'd love to hear it.
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finally something that doesn't try to upsell me a subscription just to plug in my income. The ACA subsidy estimate was a nice surprise since I never know what to budget for health insurance.
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Maker
@mcahit321044 Thanks, I really appreciate that! I wanted people to be able to get useful numbers without hitting a subscription wall first. And I'm happy the ACA subsidy estimate was useful—that's one of the expenses freelancers tell me is the hardest to budget for.
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How does it handle state-specific tax rules since freelancing across state lines can get pretty different?
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Maker
@aminejllp Great question. Right now it has dedicated calculations for 10 states, with the rest grouped under "Other States." I started with the most common cases to get the product out sooner. If there's a specific state you'd like to see added next, I'd love to know.
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Finally something built by someone who actually gets the quarterly panic. The freelance rate calculator alone is worth bookmarking.
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Maker
@evket1182314 Thanks! That quarterly tax scramble is exactly what I wanted to make a little less stressful. I'm really glad you found the freelance rate calculator useful - that was built to answer the question, What should I actually charge? instead of just guessing.
Love that it doesn't ask for an email just to run the numbers. The ACA subsidy estimate was surprisingly close to what I got from a longer spreadsheet I usually use.
@sudegzvs Thanks! I deliberately kept it email-free so people could get answers right away. Really glad the ACA estimate matched your spreadsheet that closely. If you notice anything that could be improved as you use it more, I'd love to hear it.
finally something that doesn't try to upsell me a subscription just to plug in my income. The ACA subsidy estimate was a nice surprise since I never know what to budget for health insurance.
@mcahit321044 Thanks, I really appreciate that! I wanted people to be able to get useful numbers without hitting a subscription wall first. And I'm happy the ACA subsidy estimate was useful—that's one of the expenses freelancers tell me is the hardest to budget for.
How does it handle state-specific tax rules since freelancing across state lines can get pretty different?
@aminejllp Great question. Right now it has dedicated calculations for 10 states, with the rest grouped under "Other States." I started with the most common cases to get the product out sooner. If there's a specific state you'd like to see added next, I'd love to know.
Finally something built by someone who actually gets the quarterly panic. The freelance rate calculator alone is worth bookmarking.
@evket1182314 Thanks! That quarterly tax scramble is exactly what I wanted to make a little less stressful. I'm really glad you found the freelance rate calculator useful - that was built to answer the question, What should I actually charge? instead of just guessing.