2026 1099 Tax Estimator
Instantly estimate federal, state, and self-employment tax on your Form 1099 income. Designed for independent contractors, freelancers, and gig workers.
This calculator provides estimates for educational use only. It is not tax, legal, or financial advice. Figures are based on current IRS rules — verify against IRS.gov or consult a licensed professional. See our full disclaimer.
1099 Income Details
2026 Tax Summary
* Estimates only. This tool does not constitute tax advice. Always review with a qualified tax professional.
1099 Tax Estimator Features
Built on 2026 IRS Rules
Uses 2026 federal tax brackets (10%–37%), the 15.3% self-employment tax (up to $184,500), and the latest standard deduction amounts. Your state may also tax this income — compare statewide rates in our 2026 state self-employment tax guide.
Form 1040 Ready
Schedules the calculation the same way as the IRS Form 1040 / Schedule C workflow — netting business expenses, computing AGI, then applying standard deduction.
Plan Quarterly Payments
The result shows a quarterly recommended amount. For the actual four deadlines and safe-harbor math, see our Quarterly Tax Calculator.
Maximize Deductions
Need help identifying missing deductions? Try our Home Office Deduction Calculator and other tools in the suite.
Gig workers: don't forget tips
If your 1099 work includes delivery or rideshare, estimate gratuities with the delivery driver tip calculator at TipFig.
1099 Tax FAQs
Since 2020, Form 1099-NEC is used to report nonemployee compensation (independent contractor payments), while 1099-MISC is used for other income like royalties, rents, or legal fees.
As a 1099 contractor, no tax is withheld — you are responsible for paying estimated taxes quarterly. A typical target is 25–30% of your 1099 income, depending on your total tax bracket.
Yes. 1099 contractors claim the same standard deduction ($15,750 single / $31,500 married, 2026) or itemized deductions on Form 1040, in addition to business expenses on Schedule C.
Common deductible expenses include: mileage, home office, supplies, equipment, travel (50% meals), internet/phone, insurance, professional services, certifications and retirement contributions.