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1099 Tax Calculator

Calculates total federal and state taxes owed by independent contractors and freelancers

Estimated Federal Income Tax

Federal tax based on 2024 brackets

Self-Employment Tax

Social Security + Medicare (15.3%)

Total Estimated Tax

Federal income tax + self-employment tax

Effective Tax Rate

Total tax as percentage of gross income

Frequently Asked Questions

How much tax do 1099 workers pay?

1099 workers pay self-employment tax (15.3%) plus federal income tax (10-37% depending on bracket) plus state income tax. Total effective rates typically range from 25-40% depending on income level and deductions.

What deductions can 1099 workers take?

Common deductions include home office, health insurance premiums, retirement contributions, business expenses, mileage, equipment, software, professional development, and half of self-employment tax. These reduce your taxable income significantly.

Do I need to pay quarterly taxes?

Yes, if you expect to owe $1,000 or more in taxes for the year. Quarterly estimated payments are due April 15, June 15, September 15, and January 15. Missing payments results in underpayment penalties.