Estimate your self-employment tax, federal income tax, quarterly estimated payments, and top deductions in under 60 seconds. Built for Uber, DoorDash, Instacart, Upwork, and all 1099 independent contractors.
Calculate My Taxes →15.3% of net self-employment income — covers Social Security (12.4%) and Medicare (2.9%). Half is deductible from your gross income.
Calculated across 2025 IRS tax brackets (10%–37%) after standard deduction and above-the-line adjustments.
Most self-employed workers can deduct up to 20% of qualified business income, significantly reducing taxable income.
Due Apr 15, Jun 16, Sep 15, Jan 15. Calculates your exact amount per quarter to avoid IRS underpayment penalties.
Automatically applies Child Tax Credit ($2,000/child) and Earned Income Tax Credit based on income and family size.
Supports all 50 US states including no-income-tax states (TX, FL, NV, WA, etc.) and high-tax states (CA, NY, OR).
Step 1 — Basic Info: Choose your filing status (Single or Married Filing Jointly), number of qualifying children (for CTC and EITC), and your state of residence.
Step 2 — Income: Enter your gross 1099 income and estimated business expenses. The calculator automatically computes your net self-employment income.
Step 3 — Deductions: Add health insurance premiums and retirement contributions (SEP-IRA, Solo 401k, SIMPLE IRA). Toggle the QBI deduction to see its impact.
Step 4 — Summary: View your total tax estimate, effective tax rate, take-home pay, quarterly payment schedule, and a What-If simulator for retirement contributions.
| Tax Type | Rate | Income Base |
|---|---|---|
| Self-Employment (SE) Tax | 15.3% | Net SE income × 92.35% |
| Federal Income Tax (10%) | 10% | $0 – $11,925 (single) |
| Federal Income Tax (12%) | 12% | $11,925 – $48,475 (single) |
| Federal Income Tax (22%) | 22% | $48,475 – $103,350 (single) |
| Federal Income Tax (24%) | 24% | $103,350 – $197,300 (single) |
| Standard Deduction (single) | — | $15,000 reduction to AGI |
| Standard Deduction (MFJ) | — | $30,000 reduction to AGI |
| QBI Deduction (Section 199A) | 20% | Qualified business income |
GigWorkerTax is built for anyone who receives a 1099-NEC or 1099-K form:
| Deduction | 2025 Rate / Limit | Who Qualifies |
|---|---|---|
| Business mileage (standard rate) | $0.70 per mile | Drivers, delivery workers |
| Half of SE tax | ~7.65% of net income | All self-employed |
| Health insurance premiums | 100% of premiums | Self-employed, not covered by employer |
| SEP-IRA contributions | Up to 25% / $69,000 | All self-employed |
| Solo 401(k) contributions | Up to $70,000 | Self-employed with no employees |
| Home office deduction | $5/sq ft up to 300 sq ft | Regular, exclusive business use |
| Phone & internet (business %) | % of annual bill | All gig workers |
| QBI Deduction (Section 199A) | 20% of qualified income | Most self-employed under income limits |
A 1099 form is an IRS tax document that reports income you received from sources other than an employer. If you earned $600 or more from a single client or platform (e.g., Uber, DoorDash, Upwork) during the year, they are required to send you a 1099-NEC (Nonemployee Compensation). Unlike a W-2, no taxes are withheld — you are responsible for paying them yourself.
Anyone with net self-employment income of $400 or more must pay self-employment (SE) tax. This covers your Social Security (12.4%) and Medicare (2.9%) contributions — both the employee and employer shares — for a combined rate of 15.3%. You can deduct half of SE tax from your gross income on your federal return.
Because no employer withholds taxes for you, the IRS requires quarterly estimated payments if you expect to owe $1,000 or more. Due dates are typically April 15, June 16, September 15, and January 15. You can pay online at IRS Direct Pay (irs.gov/payments) or by mailing Form 1040-ES. Use this calculator to estimate your quarterly amount.
Common deductible business expenses include: mileage or vehicle costs (70 cents/mile in 2025), phone and internet (business-use portion), equipment and supplies, home office (if used regularly and exclusively for work), platform fees, and health insurance premiums. Keep receipts and records throughout the year. The 20% Qualified Business Income (QBI) deduction may also reduce your taxable income.
Most gig workers in the 22% federal bracket should set aside 25–30% of net income for taxes. At higher incomes (over $60k net after deductions), aim for 30–35%. This covers federal income tax, SE tax, and state income tax. Use our calculator to get your exact number.
Yes — GigWorkerTax is completely free to use. No account, no signup, no credit card required. Your inputs are stored locally in your browser and never sent to our servers.
Deep-dive guides to help you understand and reduce your tax bill: