2026 tax year

1099 tax calculator

No tax is withheld on 1099 income, estimate what you'll owe and set it aside.

If you're paid on a 1099, you owe self-employment tax (15.3% on 92.35% of net profit) plus federal and state income tax. This calculator estimates all three.

Switching state opens that state's page.

Enter your numbers and press Calculate to see your 2026 estimate.

How self-employment tax is built

Self-employment tax is 15.3%, 12.4% Social Security plus 2.9% Medicare, charged on 92.35% of net profit. The Social Security half stops once net earnings reach $184,500 for 2026; Medicare has no cap. Half of the self-employment tax is deductible from AGI, so it lowers income tax even though it doesn't lower the self-employment tax itself.

This federal layer is identical in all 51 jurisdictions. What changes from state to state is the income tax stacked on top of it, which is what each state page below works out.

Choose your state

Each state page is built on that state's 2026 income tax rules with a worked example:

Going freelance after a layoff?

If 1099 work is your bridge after losing a job, size up the whole transition first: