🔍 Freelancer Tax Deduction Finder
Estimate your total deductible business expenses for 2025. Every dollar deducted reduces your taxable income — and your tax bill.
Max 300 sq ft for simplified method.
2025 IRS rate: 70¢/mile
Deductible separately from mileage.
100% deductible for self-employed (if not eligible for employer plan).
SEP-IRA: up to 25% of net income (max $70,000 in 2025).
Adobe, Office 365, accounting software, etc.
Computers, cameras, tools. Section 179 allows full deduction in year of purchase.
Courses, books, conferences related to your work.
Include federal income tax + SE tax + state. Typical range: 25–40% for most freelancers.
Total Estimated Deductions
Enter your expenses to see your deduction total and tax savings.
Breakdown will appear after you enter your expenses.
- Home office — if you use space exclusively for work
- Health insurance — 100% deductible off-the-top for SE
- Retirement contributions — reduces AGI directly
- Half of SE tax — automatically deducted from gross
- Bank fees on business accounts
- Client meals — 50% deductible (business purpose)
- Business travel — airfare, hotel, 50% of meals
- Website hosting and domain fees
2025 Self-Employed Deduction Quick Reference
| Deduction | Amount / Rate | Notes |
|---|---|---|
| Standard Mileage Rate | 70¢/mile (2025) | Business driving only; can't combine with actual expense method |
| Home Office (Simplified) | $5/sq ft, max 300 sq ft | Office must be used exclusively & regularly for business |
| Self-Employed Health Insurance | 100% of premiums | Not eligible if covered by spouse's employer plan |
| SEP-IRA | Up to 25% of net SE income (max $70k) | Must set up and fund by tax return due date |
| Solo 401(k) — Employee Deferral | Up to $23,500 ($31,000 if 50+) | Must establish plan by Dec 31 |
| Business Meals | 50% | Must have documented business purpose |
| Section 179 Equipment | Up to $1,220,000 in 2025 | Deduct full cost of qualifying equipment in year purchased |
| Phone (Business %) | Business % of bill | Keep log of business vs personal use |
| Internet (Business %) | Business % of bill | Harder to claim 100% — document business use |
| Professional Development | 100% | Must be related to your current trade/business |
Quarterly Tax Calculator
Apply your deductions to estimate quarterly payments.
Net Income Calculator
See your take-home after all expenses and taxes.
Invoice Generator
Create professional invoices for your clients.