1099 taxes, free
Free 1099 tax calculator for 2026. Enter your 1099 income and see the 15.3% self-employment tax, the federal income tax on top of it, and the quarterly payments that keep 1099 taxes penalty-free. It works as a 1099 tax estimator for independent contractor taxes of every kind, and as a 1099 tax calculator with deductions: enter profit after write-offs and watch the number drop. Actual 2026 figures, under a minute.
Before you pay
A W-2 employee has income tax and half of Social Security and Medicare taken out before the money lands. A 1099 pays you the full amount and leaves all of the tax to you: federal income tax plus the 15.3% self-employment tax, paid during the year through quarterly estimates. So the honest answer to how much will I owe with a 1099 is: more than an employee earning the same number, unless you plan for it.
Contractor pay on a 1099-NEC, platform payouts on a 1099-K, and the odd 1099-MISC all land in the same place on your return: net profit from self-employment. Independent contractor taxes do not care which form the money arrived on, and income with no form at all is taxed the same way. The calculator wants your total across all of them.
Map all four quarterly payments →The tax is calculated on profit, not on the gross that appears on the forms. A home office, the business share of your phone and internet, software, gear, mileage and contractor help all come off first. Enter your profit after those costs; if you have never tracked them, the write-off estimator shows what they are typically worth.
Estimate the write-offs you are missing →Want the books, the quarterlies and the filing handled from 1099 income that never gets re-keyed?
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A common rule is 25 to 30 percent of net profit, but the honest answer depends on your bracket and state. The calculator gives you the real number: self-employment tax plus federal income tax on your actual profit, and the quarterly schedule to pay it on time.
Add your W-2 wages and withholding in the optional fields. The calculator stacks your 1099 profit on top of your salary, taxes it at the right marginal rate, and tells you whether your paycheck withholding already covers the quarterly payments.
The $600 line decides whether a payer must send the form, not whether the income is taxable. All of it is taxable, and self-employment tax starts once your net self-employment profit for the year passes $400.
Roughly above $80,000 of profit, when the self-employment tax saved on distributions clears the cost of payroll and a separate return. Amadae runs that math for members and handles the election, salary and payroll when it pays off.
Estimate only, using TY2026 federal figures (Rev. Proc. 2025-32): the standard deduction, a simplified QBI deduction, and no credits or capital gains. State taxes are separate. Not tax advice.
Terms behind this calculator
Form 1099-NEC/Self-employment tax/Quarterly estimated taxes/QBI deduction
We connect your 1099 income, keep the books, set the tax aside as you get paid, schedule the quarterly payments, and switch you to an S-corp when it saves more than it costs.
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