The Story Behind the Calculator

Built by a freelancer, for freelancers. Because nobody should have to guess what they owe the IRS.

Meet Malcolm Garvin

I built 1099TaxCalculator.ai because I lived the confusion firsthand. When I first started working for myself, I remember the exact moment I realized I had messed up my taxes. I hadn't set aside enough for quarterly payments, I didn't fully understand the 15.3% self-employment tax, and I was leaving thousands of dollars on the table in missed deductions.

The existing tools were either locked behind a $20/month subscription, required me to hand over my email address just to see my results, or were so complicated that I needed an accounting degree to use them.

I decided there had to be a better way. A tool that was completely free, incredibly accurate, and required zero sign-ups.

About the Creator

  • USMC Veteran: I learned discipline, integrity, and service in the United States Marine Corps. Those core values are built into how this site operates — transparency first, no hidden fees, no data selling.
  • Master Certified Personal Trainer: I built my career helping people transform their lives and achieve their goals. I understand the gig economy and the fitness industry intimately because I live it.
  • PhD in Theology: A commitment to truth, ethics, and helping others is at the core of everything I do.
  • Entrepreneur: I know what it takes to build a business from the ground up, and I know how heavily taxes weigh on a growing enterprise.

Our Mission

The mission of 1099TaxCalculator.ai is simple: To give every freelancer, gig worker, and independent contractor the clarity they need to manage their taxes with confidence.

Whether you are an Uber driver tracking mileage, a freelance writer deducting home office expenses, or a personal trainer managing client invoices, you deserve to know exactly what you owe the IRS before the bill comes due.

The Promise

We operate on a few strict principles that separate us from the corporate tax software giants:

We make money through transparent advertising and affiliate partnerships — not by selling your information. That's the deal.

Ready to know your exact number?

Free, accurate, 30 seconds. No sign-up required.

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