1099 Tax Calculator 2026 — Estimate Self-Employment Taxes (All 50 States)
Estimate your 2026 self-employment, federal & state taxes for all 50 states in seconds. Free, CPA-reviewed, no signup. See your real take-home pay now.
About This Tool
Use our free 1099 tax calculator to estimate your self-employment taxes, federal brackets, and state tax obligations across all 50 US states. For freelance workers and independent contractors, planning self-employment tax (15.3%) and progressive state taxes is essential. Enter your 1099 income and write-offs, and see your take-home pay instantly.
How to Use This Tool
- 1
Enter your estimated gross 1099 self-employment income into the 1099 tax calculator.
- 2
Input your annual business expenses to calculate net taxable income.
- 3
Select your filing status (Single, Married Filing Jointly, Head of Household).
- 4
Select your state to calculate local state income tax rates.
- 5
Review the detailed breakdown of self-employment tax, federal income tax, state income tax, and your estimated net take-home pay.
Why Choose 1099 Tax Estimator?
All 50 States Covered
Includes state tax estimates for every US state and Washington D.C. for accurate local planning.
Comprehensive Breakdown
View separate calculations for federal tax brackets, self-employment taxes, and state taxes.
Expense Modeling
Calculate net business income to see exactly how write-offs reduce your tax burden.
Privacy-First
None of your sensitive income figures or financial data are saved, uploaded, or tracked.
Common Use Cases
Freelancer Income Planning
Estimate how much of your contract income should be set aside in a separate tax savings account.
Quarterly Estimated Tax Prep
Calculate your tax liability to prepare quarterly estimated tax payments for the IRS.
Sole Proprietorship Auditing
Quickly model how business expenses and equipment purchases affect your annual tax obligations.
How Much Is Self-Employment Tax in 2026?
Self-employment tax is 15.3% of your net earnings. This covers Social Security (12.4%) and Medicare (2.9%). For 2026, the Social Security portion applies to the first $168,600 of net earnings. Use our free 1099 tax calculator to estimate your exact liability based on your income, expenses, filing status, and state.
Frequently Asked Questions
How much is self-employment tax in 2026?
Self-employment tax is 15.3% of your net self-employment earnings, consisting of 12.4% for Social Security and 2.9% for Medicare. In 2026, the Social Security portion applies to the first $168,600 of net earnings.
How much should I set aside for taxes on 1099 income?
As a general rule, 1099 contractors should set aside 25% to 30% of their net earnings to cover self-employment tax, federal income tax, and state income tax. Use our 1099 tax calculator to get a more precise estimate.
Do I have to pay quarterly taxes as a freelancer?
Yes. If you expect to owe $1,000 or more in federal taxes for the year, the IRS requires you to make quarterly estimated tax payments. This calculator estimates your annual total, which you can divide by four.
What can I deduct as a 1099 contractor?
You can deduct ordinary and necessary business expenses to reduce your taxable income. This includes home office expenses, software subscriptions, equipment, internet bills, and professional services.
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