Freelance Calculator
2026 tax breakdown
Uses 2026 IRS federal brackets and standard deductions (IRS Rev. Proc. 2025-32). Self-employment tax of 15.3% applied on 92.35% of net income; half is deductible before federal tax. State rates are top marginal or flat rates used as planning estimates. This is not tax advice — consult a CPA for your specific situation.
A note on billable hours
For every billable hour, plan 30–60 min on admin, marketing, and proposals that no one pays you for. Starting at 20–25 billable hours per week is realistic. As you build systems, that number grows.
Suggested payment structure
When scope creep happens
"Happy to add that — just want to flag it sits outside what we scoped. I can put together a quick add-on quote, or we can swap it in and remove [X deliverable] to keep on track. Which works better?"
What is the 20% rule?
The Spain Digital Nomad Visa requires that no more than 20% of your total annual income comes from Spanish clients. Exceeding this threshold could put your visa compliance at risk. Track this quarterly.
Compliance status —
Beckham Law & the 20% rule
If you qualify for Beckham Law, your foreign-sourced income is taxed at a flat 24% rather than Spain's progressive rate. Keeping Spanish client income under 20% means more of your earnings stay at that flat foreign rate — protecting both your visa and your tax bill.
Always consult a gestor or tax advisor before making decisions based on this calculator.
Educational purpose only
The Floria Creates Freelance Rate Calculator is provided for educational and general planning purposes only. Nothing contained in this calculator or on this page constitutes tax advice, financial advice, legal advice, or any other professional advice of any kind. The information is intended to give you a starting point for understanding your potential income needs — it is not a substitute for personalised professional guidance.
No professional relationship
Use of this calculator does not create a professional, advisory, fiduciary, or client relationship of any kind between you and Floria Creates LLC, its owners, employees, or affiliates. Floria Creates LLC is not a licensed tax preparer, certified public accountant, financial advisor, or immigration attorney.
Tax estimates & accuracy
Federal income tax estimates are based on 2026 IRS tax brackets and standard deduction amounts as published in IRS Revenue Procedure 2025-32. Self-employment tax is calculated at 15.3% on 92.35% of net self-employment income, consistent with IRS Schedule SE methodology. These calculations assume you claim only the standard deduction and do not account for tax credits, retirement contributions, itemized deductions, alternative minimum tax (AMT), the qualified business income (QBI) deduction, net investment income tax, additional Medicare tax, or any other individual tax circumstance that may apply to you. Your actual federal income tax liability will differ.
State income tax
State income tax rates shown are top marginal or flat rate estimates compiled for general planning purposes. They do not reflect graduated state brackets, state-specific deductions, local income taxes, or your personal state tax situation. State tax law varies significantly and changes frequently. Floria Creates LLC makes no representations regarding the accuracy or completeness of state rate information. Always verify your state tax obligations with a qualified tax professional.
Household income
This calculator assumes you are the sole earner filing under the selected status. It does not account for a spouse's or partner's income, which may affect your actual tax bracket, eligibility for deductions and credits, and overall tax liability. Married filers in particular should consult a CPA to understand how household income affects their combined tax situation.
Spain Digital Nomad Visa (DNV) tool
The Spain DNV compliance tab is provided for general informational purposes only and does not constitute immigration advice, legal advice, or visa guidance of any kind. The 20% Spanish-client income rule referenced in this calculator reflects publicly available information about the Spain Digital Nomad Visa program as of the date this tool was published. Visa rules, income thresholds, compliance requirements, and program eligibility are subject to change by Spanish authorities at any time without notice. Floria Creates LLC assumes no responsibility for decisions made in reliance on this tool. Always consult a qualified Spanish immigration attorney or licensed gestor before making any decisions related to your visa application, compliance, or renewal.
No warranty & limitation of liability
This calculator is provided "as is" without warranty of any kind, express or implied. Floria Creates LLC makes no representations or warranties regarding the accuracy, completeness, reliability, suitability, or timeliness of the information provided. Tax rates, brackets, and rules are subject to change. To the fullest extent permitted by law, Floria Creates LLC shall not be liable for any damages, losses, penalties, or costs of any kind arising from your use of or reliance on this calculator or its results.
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About Natali
Natali Brockett is a bilingual (EN/ES) digital marketing consultant with 10+ years of experience helping brands grow through organic social media, copywriting, and paid advertising. Based between the U.S. and Spain, she works with small businesses and growing teams who want a strategic, reliable marketing partner.
Email: info@floriacreates.com
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