Freelancer Tax and Income Tracker 2026
Ten tabs. 908 formulas. The arithmetic is already wired up.
Spreadsheet
2026 Payroll Withholding Calculator for Excel
Type the gross pay and the rest works itself out. Not for you if you run payroll in any state with income tax other than Illinois.
9
tabs
13,815
formulas
4,350
published figures reproduced
$39 one-time
Buy on GumroadWho this covers. For pay dates in calendar year 2026. It does not calculate 2027 paychecks — a 2027 edition follows within three to five days of the 2027 edition of IRS Publication 15-T. Buy this edition in December 2026 and the 2027 edition is free on request: email maket.studio@proton.me with your order number. Get notified about the 2027 edition
- 7-day refund, and you keep the files
- Instant download
- One payment, nothing renews
The contents
What is inside
Federal, FICA and Illinois withholding for each pay period, with the verification log included.
- READ ME FIRST — the scope, the sources, the limits and what the file does not calculate, before you type anything
- Setup — company name and pay frequency; the tax year is fixed at 2026, and every other tab reads these
- Employees — one row per person, with the fields of the 2020-and-later Form W-4; a pre-2020 W-4 (with allowances) has no fields of its own, and a note on the same tab gives the exact conversion
- Payroll Register — type the pay date, the employee ID and the gross pay; 624 pay lines, pre-wired, with 22 formulas on every line
- Pay Stub — type a register row number and print a one-page stub with year-to-date figures
- Quarterly Remittance — laid out for Form 941, with the employer share included
- State Rules — the ten states, each rate with its source link beside it
- Sources & Verification — every figure, where it came from and the date it was read
- Tables — the Publication 15-T brackets the file reads
Specification
FormatExcel (.xlsx) + verification log (.csv) + START HERE (.pdf, 5 pages)
Tabs9
Formulas13,815
Verification log4,375 rows, each with its source, page and date
Published figures reproduced4,350, from the Publication 15-T (2026) wage bracket tables
StatesIllinois income tax, plus nine states that levy none: TX · FL · TN · NV · SD · WY · NH · AK · WA
EditionUnited States, 2026 tax year
Opens inExcel 2016 or later, LibreOffice and Google Sheets (tested in Google Sheets on November 9, 2026: 0 errors)
Not built forAny other state with an income tax, or local payroll taxes
Does not calculatePre-tax deductions (401(k), Section 125) — every figure is worked out on the gross wages you type
BonusesAggregate method: add the bonus to the regular wages on the same row (no flat 22% supplemental rate)
Apple NumbersNot tested
UpdatesFree corrections to the 2026 edition
Inside the download
Look before you pay
6 pictures taken from the file itself. Click any of them to open it full size.
Read this before you buy
This is a calculation tool, not tax, legal or accounting advice, and it does not replace a CPA or an enrolled agent. It is not affiliated with or endorsed by the IRS, the US Treasury or any state revenue department. Federal figures are read from IRS Publication 15-T (2026) and Publication 15 (2026), and each one is cited by source inside the file. Rules change during the year: check every figure against the current publications before you deposit or file anything.
Files that decide money
Check yours in the browser for nothing, buy one built the right way, or hand yours over to be rebuilt.
Read next
- Inside the 13,815-formula engineHow the 4,350 published figures were reproduced, and what each of the 4,375 log rows records.
- How the checking worksWhy a spot-check is not verification, and what reconciled line by line means in practice.
- Check a spreadsheet, freeYour own payroll file, read in the browser for rates typed straight into formulas.
Instant downloadStraight after checkout
One paymentNothing renews, ever
Seven-day refundAny reason, keep the files
Counted, not estimatedEvery figure above came from the file
2026 Payroll Withholding Calculator for Excel, $39
Federal, FICA and Illinois withholding for each pay period, with the verification log included. Checkout runs on Gumroad and the download is instant.