1099 Tax Calculator
Estimate your total 2025 federal tax bill as a freelancer or 1099 contractor. See income tax, self-employment tax, QBI deduction, and your effective rate.
Total income reported on your 1099 forms
Deductible business expenses (Schedule C deductions)
If you also have a W-2 job, enter those wages
Enter your 1099 income to see results
Your complete tax breakdown will appear here.
How 1099 Taxes Work for Freelancers
When you receive 1099 income, no taxes are withheld for you. Unlike W-2 employees whose employers withhold income tax, Social Security, and Medicare, freelancers are responsible for paying all of these taxes themselves - typically through quarterly estimated payments.
Your total tax bill as a 1099 contractor includes two main components: federal income tax (based on tax brackets) and self-employment tax (15.3% for Social Security and Medicare). The good news is that you can deduct business expenses, take the QBI deduction (up to 20% off your business income), and deduct half of your SE tax - all of which significantly reduce your bill.
What This Calculator Includes
Federal Income Tax
2025 tax brackets applied to your taxable income after all deductions.
Self-Employment Tax
15.3% SE tax (Social Security 12.4% + Medicare 2.9%) on 92.35% of net profit.
QBI Deduction
Section 199A qualified business income deduction - up to 20% off your business profit.
Standard Deduction
2025 standard deduction ($15,750 single, $31,500 MFJ) applied automatically.
2025 Quarterly Estimated Tax Due Dates
| Quarter | Income Period | Due Date |
|---|---|---|
| Q1 | Jan 1 – Mar 31 | April 15, 2025 |
| Q2 | Apr 1 – May 31 | June 16, 2025 |
| Q3 | Jun 1 – Aug 31 | September 15, 2025 |
| Q4 | Sep 1 – Dec 31 | January 15, 2026 |
Disclaimer
This calculator provides estimates based on 2025 IRS tax rates and brackets (Rev. Proc. 2024-40, updated by OBBB P.L. 119-21). It does not account for state taxes, credits (EITC, CTC), or itemized deductions. Consult a qualified tax professional for your specific situation.