Quarterly estimated taxes (2026 dates)Due dates, who must pay and the safe-harbor rules.2027 estimated tax due datesThe four 2027 dates plus a calendar file to download.Freelance tax deductionsThe common write-offs, what records to keep and where the IRS draws lines.1099-NEC vs 1099-K (2026 thresholds)Which forms you get and how to avoid double-counting.W-9 form for freelancersWhat it is, when to send it and what to leave off.Solo 401(k) vs SEP IRA2026 contribution limits with a worked example.LLC vs sole proprietorWhat an LLC does and does not change for a freelancer.Best invoicing appsWave, FreshBooks, Invoice Ninja and more, with prices checked.Wave vs FreshBooksPrice, fees and features side by side.Wave alternativesWhat to switch to when Wave stops fitting.QuickBooks alternatives for freelancersCheaper or simpler options, and when QuickBooks is still right.Best business bank accountsMercury, Relay, Novo, Lili and Found compared.Late payment email templatesPolite to firm messages for overdue invoices.Expense tracker spreadsheetA free Excel tracker with categories and totals.Mortgage as a self-employed freelancerHow lenders verify freelance income.Car loan with variable incomeHow to borrow when your income changes month to month.