1099 Tax Calculator
Estimate your self-employment tax, federal income tax, and quarterly payments. Built for freelancers, gig workers, and independent contractors.
Estimate only. This calculator uses 2024 federal tax brackets and standard deduction. State taxes, filing status differences, and credits are not included. Consult a CPA or tax professional for personalized advice.
Your Income Details
Total income before deductions
Home office, mileage, equipment, etc.
* Based on 2024 tax brackets. Standard deduction ($14,600) applied. Consult a CPA for personalized advice.
Total Tax Owed
$11,921
Effective rate: 19.9%
Quarterly Payment
$2,980
Due 4× per year
Tax Breakdown
2025 Quarterly Tax Payment Schedule
Q1 Due
April 15, 2025
$2,980
Q2 Due
June 16, 2025
$2,980
Q3 Due
September 15, 2025
$2,980
Q4 Due
January 15, 2026
$2,980
Pay via IRS Direct Pay or EFTPS. Late payments incur a penalty of 7–8% per year.
How to Calculate Your 1099 Taxes
- 1
Enter your total gross 1099 income — add up all platforms (Uber, DoorDash, Etsy, direct clients, etc.).
- 2
Enter your deductible business expenses — mileage, home office, equipment, and more.
- 3
Review the tax breakdown — self-employment tax, deductions, and federal income tax.
- 4
Note your quarterly payment amount and mark the four IRS due dates on your calendar.
- 5
Pay via IRS Direct Pay at irs.gov/payments. It's free and instant.
Frequently Asked Questions
What taxes do I pay on 1099 income?
As a 1099 contractor you pay: (1) Self-employment tax of 15.3% (covers Social Security 12.4% and Medicare 2.9%) on 92.35% of your net income, and (2) Federal income tax on your adjusted gross income after deductions. You can deduct half of your SE tax from your AGI.
What is the self-employment tax rate?
The self-employment tax rate is 15.3% — 12.4% for Social Security (on income up to $168,600 in 2024) and 2.9% for Medicare (no cap). High earners above $200K also pay an additional 0.9% Medicare tax.
When are quarterly taxes due in 2025?
IRS estimated tax deadlines for 2025: Q1 — April 15, Q2 — June 16, Q3 — September 15, Q4 — January 15, 2026. Missing deadlines triggers an underpayment penalty of roughly 7–8% per year.
What business expenses can I deduct?
Common 1099 deductions include: home office (dedicated space), mileage (67 cents/mile in 2024), phone and internet (business %), equipment and software, health insurance premiums (if self-employed), and professional development. Consult a CPA for your specific situation.
What is the safe harbor rule for estimated taxes?
To avoid penalties, pay at least 90% of your current year's tax liability OR 100% of last year's tax liability (110% if AGI > $150K). This is the 'safe harbor' rule. Our calculator shows 25% of estimated annual tax for each quarter.
Does this calculator apply to Uber, DoorDash, or Etsy income?
Yes. Any income reported on a 1099-NEC or 1099-K (from Uber, DoorDash, Instacart, Etsy, Amazon, etc.) is self-employment income subject to SE tax. Enter your total annual income from all gig platforms combined.
How do I pay my quarterly taxes?
Pay online at IRS Direct Pay (irs.gov/payments) for free. You can also use the EFTPS system or mail a check with Form 1040-ES. Direct Pay is the easiest — select 'Estimated Tax' and choose the correct tax year and quarter.
What if I also have a W-2 job?
If you have both W-2 and 1099 income, you can ask your W-2 employer to increase withholding to cover the self-employment tax on your side income. This can reduce or eliminate the need for quarterly payments. Enter only your 1099/freelance income in this calculator.