Freelancer Tax Calculator
A full 2026 tax picture for freelance 1099 income: federal income tax, self-employment tax, state tax, deductions, and your bottom line.
Built for designers, writers, developers, consultants, and anyone paid through Upwork, Fiverr, Stripe, or direct invoices. Include health insurance premiums and retirement contributions — both cut your taxable income.
Self-employed income & expenses
Estimate federal + SE + state tax for the 2026 tax year in one pass.
Estimated total tax bill
$13,930
Refund / owed
-$13,930
Effective rate
23.2%
Detailed breakdown
Mileage deduction$5,600
Total business expenses$8,100
Net self-employment income$51,900
Self-employment tax (15.3%)$7,333
½ SE deduction (above-the-line)$3,667
Adjusted gross income$48,233
Taxable income$32,133
Federal income tax$3,608
State tax (est.)$2,988
Quarterly estimated payment$3,260
Marginal rate21.3%
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Related blog posts
- How Much Should You Set Aside for 1099 Taxes?A clear, state-by-state framework for how much of every 1099 payout to set aside for taxes in 2026 — with worked examples for Uber, DoorDash, and freelancers.
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