Not calculated yet. Enter your numbers and select “Estimate my taxes” to update these amounts.
This federal estimate includes entered wages, before withholding and payments. It is not a tax return. QBI, credits, state/local tax, itemized deductions, losses and other adjustments are excluded.
This free 1099 tax calculator with expenses estimates federal income and self-employment tax for freelancers and contractors in 2025 or 2026. Enter gross business income, supported expenses and optional W-2 wages to estimate tax, a freelance reserve rate and a balance after payments. It uses the basic standard deduction and excludes state taxes, QBI, credits and other adjustments.
By IntegraFin Tax & Accounting · Source rules checked . Calculation method and IRS sources
Employees typically have federal income tax withheld from wages. Freelancers generally receive business payments before tax is withheld, then account for expenses and self-employment tax. If you have both income types, add your wages in the calculator's advanced section to see the combined federal estimate.
The amount to set aside depends on your profit, filing status, other income and applicable deductions. This calculator divides the modeled federal tax attributable to freelance income by your gross business receipts to estimate a reserve rate. Review your withholding and payments during the year; required payments follow separate IRS timing and safe-harbor rules. Explore quarterly tax planning.
Business expenses can reduce profit, but each cost needs a business purpose and supporting records. Software, supplies, travel and eligible vehicle costs may need different treatment. Enter supported expenses once, including any vehicle amount you already calculated; this tool does not determine deductibility or calculate a mileage deduction. Use the business mileage deduction calculator for the supported vehicle estimate.
For example, $60,000 of receipts and $10,000 of entered expenses produce $50,000 of modeled profit. A single filer in 2026 with no wages or payments has an illustrative federal estimate of $10,461, before excluded deductions and credits.
Bring your income, expenses and filing plans together with IntegraFin.
Supported business expenses reduce your modeled net profit: gross freelance receipts minus entered expenses. This free 1099 tax calculator with expenses then estimates regular self-employment tax and federal income tax using the selected 2025 or 2026 tables. It does not determine which expenses are deductible or apply every deduction and credit.
For a single filer in 2026 with $60,000 in gross freelance receipts, $10,000 in supported business expenses, no W-2 wages and no payments, modeled profit is $50,000. This calculator estimates $7,065 of regular self-employment tax and $3,396 of federal income tax, for $10,461 in total federal tax before payments. State taxes, QBI, credits and other excluded adjustments can change the final liability.
Enter annual gross freelance or contract receipts before expenses, including income received without a Form 1099. Enter your supported business expenses separately. The calculator subtracts them to estimate net profit; do not subtract the same expense twice.
Yes. Open the optional W-2 section and enter annual Box 1 wages. On a joint return, enter spouse wages separately. If Boxes 3 or 5 differ from Box 1, adjust them in the wage-box section. Your wages affect income tax and may affect self-employment or Additional Medicare Tax.
There is no percentage that fits everyone. This calculator divides the modeled federal tax attributable to your freelance income by your gross freelance receipts to show an illustrative reserve rate. It compares income tax with and without the business profit. State taxes, credits and excluded deductions can change your final amount.
No. Regular self-employment tax combines 12.4% Social Security and 2.9% Medicare, generally applied to 92.35% of net profit. Social Security has an annual earnings cap. Federal income tax is separate, and Additional Medicare Tax can apply above the filing-status threshold.
The selected installment amount divides your modeled remaining federal balance by one to four planned payments. It is a budgeting aid. It does not determine IRS safe-harbor eligibility, payment deadlines, penalties or annualized-income installments. Review the complete payment rules before paying.
This federal model uses the basic standard deduction and models one person’s business plus optional wage income. It excludes state and local taxes, QBI, tax credits, itemized deductions, additional age or blindness deductions, retirement and health insurance adjustments, business losses, AMT, NIIT and special return rules. Spouse self-employment is not modeled. Married filing separately must qualify for the standard deduction.
The calculator is free with no account, email gate or document upload. It calculates in your browser. Calculator analytics record events such as completion, year and tool name; entered income, expenses and payment amounts are not included in those events. You can download a text summary or print your estimate.
Published by IntegraFin Tax & Accounting. Source rules checked October 7, 2026.
Net earnings, regular self-employment tax and the deductible half.
Rev. Proc. 2025-32, including updated 2025 standard deductions.
The 2025 and 2026 annual Social Security earnings limits.
Filing-status thresholds and combined wages and self-employment earnings.
The currently linked Schedule SE PDF is for 2025; this tool combines its calculation method with selected-year tables. This model assumes eligibility for the basic standard deduction and models one person's business. It excludes QBI, credits, state/local taxes, itemized and additional age/blindness deductions, losses, AMT, NIIT, retirement/health insurance adjustments and special rules. Spouse self-employment is outside its scope. Installment division does not test safe harbor, deadlines or annualized income.