BUNDLE Freelancer Money - Rate Calculator, 1099 Tax Playbook & Quarterly Tax Spreadsheet for Self-Employed

The Freelancer Money Bundle gives you three self-employed money tools in one download to stop undercharging, end tax-season fear, and never miss a quarterly payment. You get a rate calculator that finds what you should actually charge, the 1099 Tax Playbook that decodes freelancer taxes, and a quarterly tax calculator that computes your estimated payments and safe harbor.

Picture a freelance designer staring at a half-written quote, already trimming her own rate before the client has said a word. The knot in her stomach is not about the work. She knows the work. It is about money she cannot see clearly. What stands in her way has a name: Guesswork, a rate picked from fear, and tax money sitting mixed in with spending money. Leave it another year and the damage stays quiet: jobs priced too low to build a real living on, and a tax bill that lands bigger than what is left to pay it. So she stops guessing and runs her real numbers: what she must charge, what each payment owes in tax, and what to set aside each quarter. Now the quote goes out at her full rate, the tax money waits set aside, and tax season is a date on a calendar, not a threat. She learned the fear was never the client. It was not knowing her own numbers.

This is for freelancers and self-employed workers who set their own rates, dread the 1099 paperwork, and need a simple system that keeps pricing fair and taxes handled all year.

WHAT'S INSIDE: THE 3 TOOLS

1. Freelancer Rate Calculator: What should you actually charge? Enter your salary target, billable hours, and expenses. Get your true hourly rate, project quotes, and a reality check on undercharging. Includes a quick-start PDF guide.
2. The 1099 Tax Playbook (2026): The complete US freelancer tax guide. It covers what counts as 1099 income, what you can deduct, how estimated taxes work, and the deadlines that matter. PDF guide with plain-English explanations.
3. Quarterly Tax Set-Aside Calculator: For the self-employed. Compute quarterly estimated payments, IRS due dates, and safe harbor from your income. US federal.

HOW THE THREE WORK AS A TEAM

The rate calculator sets your price so the work is worth doing. The 1099 Playbook teaches you what the IRS expects from that income. The quarterly calculator turns it into a number you set aside four times a year. No April surprises, no penalties. Price it, tax it, keep it.

EASY TO START: NO SPREADSHEET EXPERTISE NEEDED

Everything you touch is a cream-colored cell. Type over the sample numbers, follow each workbook's Start-Here tab, and the plans build themselves.

YOUR FIRST 60 SECONDS
- Google Sheets: File → Make a copy, then type your numbers into the cream cells.
- Excel: click Enable Editing, then type your numbers into the cream cells.

COMPATIBILITY

The workbooks passed a live Google Sheets import test and a real Excel review before their individual launches. The playbook is a standard PDF. The files you download are the exact launched versions.

WHAT YOU GET: INSTANT DOWNLOAD (1 ZIP)
- freelancer-rate-calculator-US.xlsx + quick-start PDF
- The-1099-Tax-Playbook-2026.pdf + README PDF
- quarterly-tax-set-aside-calculator.xlsx
- Bundle README with the full contents guide

TRY BEFORE YOU BUY: LIVE VIEW-ONLY DEMOS
- Freelancer Rate Calculator: https://docs.google.com/spreadsheets/d/1gItcFHGKV3u3oY6zvGCPCqncwq0j2ecnTXqh9IaETuQ/edit?usp=sharing
- 1099 Tax Playbook: https://drive.google.com/file/d/1gtg4YZatr5W87XFTVqJJBlzId769qIv7/view?usp=sharing
- Quarterly Tax Set-Aside: https://docs.google.com/spreadsheets/d/11GPQhlUxnnazzCaPmDLvTM4nY8irRqiJv6skoQYIFLk/edit?usp=sharing

PLEASE NOTE
- The tax tools cover US federal taxes; the rate calculator works in any currency.
- These are educational planning tools, not financial, tax, or legal advice. Tax rules are based on published 2026 guidance and can change, so confirm with a professional before acting.
- Digital product. No physical item will be shipped. All sales final on digital downloads.

Built by the Kollaz studio. Smart financial tools for modern money.

Q&A

Q: I'm new to freelancing. Is this overkill?
A: No. This is exactly the starter kit. The rate calculator keeps you from undercharging in your first year, which is the most expensive beginner mistake.

Q: Does the quarterly tax calculator work for my state?
A: It covers US federal estimated taxes and safe harbor. State rules vary, so confirm state amounts with a professional.

Q: I already bought one of these tools. Can I get a discount?
A: The bundle is already priced ~42% below the separate total. Etsy doesn't support partial bundle credits, so the bundle is the best deal going forward.

Q: Excel or Google Sheets: which is better for these?
A: Both work. The workbooks were tested live in Google Sheets and reviewed in real Excel. Use whichever you already have.

Q: Is the 1099 Playbook current for 2026?
A: Yes. It reflects published 2026 guidance, including the current 1099 reporting thresholds.

Q: How do I get the files after buying?
A: Instant download: one ZIP file appears on your Etsy order page right after checkout, plus a download link by email.