Freelance & Contractor
Tax Calculator

Stop guessing. Calculate your 15.3% Self-Employment Tax and Federal Income Tax estimate for the 2025 tax year.

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Gross earnings from 1099-NEC forms, Upwork, Uber, etc.

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Mileage, home office, software, supplies.

The Independent Contractor's Guide to Taxes

If you earn income through Form 1099-NEC, 1099-K, or cash apps, the IRS considers you a small business owner. This comes with a catch: the "Self-Employment Tax".

👮 W-2 Employee

  • • Employer withholds taxes automatically.
  • • Employer pays half of Social Security/Medicare.
  • • You only file once a year (April).

👨‍💻 1099 Contractor

  • • No withholding: You get paid 100%.
  • • You pay both halves: 15.3% SE Tax.
  • • Quarterly Payments: You must pay 4x a year.

Lower Your Bill: 1099 Tax Deductions

The best way to reduce your 1099 tax liability is by tracking business expenses. You only pay tax on your Net Profit, not your Gross Income.

Home Office

Deduct a portion of your rent, utilities, and internet if you work from a dedicated space.

Software & Tools

Adobe Creative Cloud, Hosting, Domain names, or SaaS subscriptions used for work.

Vehicle Mileage

If you drive for Uber/DoorDash, the standard mileage rate (67¢ per mile in 2024) is huge.

2025 Quarterly Tax Deadlines

Payment Period Due Date
Q1 (Jan 1 – Mar 31) April 15, 2025
Q2 (Apr 1 – May 31) June 16, 2025
Q3 (Jun 1 – Aug 31) Sept 15, 2025
Q4 (Sep 1 – Dec 31) Jan 15, 2026