Does this replace a CPA or tax preparer?

No. This tool provides a planning estimate for independent contractors and is not tax, legal, accounting, or financial advice.

Does the tool calculate every state tax rule?

No. State tax is shown as an editable reserve estimate because each state has its own rules, deductions, credits, and local taxes.

Daily Help Tools

US 1099 Tax Estimator

Estimate federal income tax, self-employment tax, state reserve, deductions, and quarterly estimated payments for U.S. independent contractors, freelancers, creators, and gig workers.

Tax year 2026 Uses 2026 federal brackets, standard deduction, 15.3% self-employment tax structure, and 72.5 cents business mileage rate.

Income and Filing Details

Enter your expected full-year numbers. Use estimates if you are planning ahead.

1099 / freelance income

Business expenses

Business miles W-2 wages, if any

Filing status State State reserve rate

Federal tax already paid

Estimate 20% QBI deduction when eligible Deduct half of self-employment tax before federal income tax

Planning estimate only. It does not include all credits, itemized deductions, retirement contributions, local taxes, AMT, or special state rules.

Tax Breakdown

Quarterly Estimated Payments

Action Checklist

Useful next steps before you send money or file.

Important Notes

Self-employment tax is separate from income tax. Contractors usually need to reserve for both, and many also make quarterly estimated payments. State tax is shown as a customizable reserve because state rules vary heavily.