Weekly gross
$0
Taxes / wk
$0
Net / wk
$0
Left over / mo
$0
Budget breakdown
Budget allocated
Fixed expenses
Total / mo
$0
Variable expenses
Total / mo
$0
Savings goals
Total / mo
$0
Spending log
Spent this month
$0
Total budget
$0
Remaining
$0
Entries
0
Log an expense
Expenses this month
| Date | Category | Description | Amount |
|---|
Pay & tax setup
| Item | Monthly | Wk 1 | Wk 2 | Wk 3 | Wk 4 |
|---|---|---|---|---|---|
| Hourly rate ($) | — | ||||
| Hours / week | |||||
| Net Spendable | — | — | — | — | — |
Fixed expenses
| Expense | Due | Monthly | Wk 1 | Wk 2 | Wk 3 | Wk 4 |
|---|
Variable expenses
| Expense | Due | Budget | Wk 1 | Wk 2 | Wk 3 | Wk 4 |
|---|
Savings goals
| Goal | Monthly target | Wk 1 | Wk 2 | Wk 3 | Wk 4 |
|---|
Active monthly cost
$0
Active annual cost
$0
All subs monthly equiv.
$0
Subscriptions
| Service | Billing | Amount | Bill date | Mo. equiv. | Annual | Status | Keep? |
|---|
Total debt
$0
Min payments / mo.
$0
Actual paying / mo.
$0
Strategy
Highest APR first
Debts
| Name | Balance | APR % | Min payment | Actual paying | Est. payoff | Priority | Status | Delete |
|---|
Extra payment calculator
Budget vs. actual by category
Budget
Actual spent
Spending breakdown
Over / under budget
How contractor taxes work in Montana (2025 figures)
As a self-employed contractor, you pay taxes on your own — no employer withholds for you.
As a self-employed contractor, you pay taxes on your own — no employer withholds for you.
Self-Employment (SE) Tax
Rate: 15.3% on 92.35% of net earnings.
Formula: SE Tax = gross × 0.9235 × 0.153
You can deduct 50% of SE tax from your federal taxable income.
Federal Income Tax (2025 brackets, single filer)
| Taxable income | Rate |
|---|---|
| $0 – $11,925 | 10% |
| $11,926 – $48,475 | 12% |
| $48,476 – $103,350 | 22% |
| $103,351 – $197,300 | 24% |
| $197,301 – $250,525 | 32% |
| $250,526 – $626,350 | 35% |
| Over $626,350 | 37% |
Standard deduction: $14,600 (2025 single).
Montana State Income Tax (2025)
| Taxable income | Rate |
|---|---|
| $0 – $21,100 | 4.7% |
| Over $21,100 | 5.9% |
Montana standard deduction: $15,750 (2025 single).
Quarterly estimated payments
Due dates: Q1→Apr 15, Q2→Jun 15, Q3→Sep 15, Q4→Jan 15.
Federal: EFTPS.gov or IRS Direct Pay.
Montana: TAP at dor.mt.gov.