1099taxcalculator.ai was built for the 59 million Americans who work as freelancers, independent contractors, gig workers, and self-employed professionals — and who face a tax system that was designed for W-2 employees.
When you go independent, nobody withholds taxes from your paychecks. Nobody reminds you that you owe the IRS four times a year. And nobody tells you that between self-employment tax, federal income tax, and state income tax, you might owe 30–40% of everything you earn.
The first time most freelancers discover this is in April — when they get a tax bill they cannot pay. We built this calculator so that never happens to you.
Our calculator uses the exact IRS formulas from Publication 505 and Schedule SE, applied to the 2026 tax brackets and standard deductions. State tax rates are sourced from the Tax Foundation's 2026 State Individual Income Tax Rates and Brackets report.
Results are estimates. Tax law is complex, and individual situations vary. This tool does not account for AMT, NIIT, state-specific credits, local income taxes, or business entity structures other than sole proprietorship / Schedule C. For complex situations, consult a CPA or enrolled agent.
Found an error? Have a suggestion? We want to hear from you. Reach out at hello@1099taxcalculator.ai.
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