Freelance Tax Calculator 2025–2026
Enter your income, state, and filing status — instantly see your complete tax breakdown, quarterly payment amounts, and exactly how much to set aside.
Data sources: IRS Rev. Proc. 2024-40 · IRS Topic 554 · SSA 2025 COLA
Sample: $85K · California · Single
Set aside each month
$2,297/mo
32.4% effective tax rate
Your Details
Deductible expenses reduce your taxable income.
Based on 2025 federal tax brackets and state rates. Figures are estimates for planning purposes only. Consult a tax professional for advice specific to your situation.
Enter your income to get started
Your results will show a full tax breakdown, quarterly payments, and how much to set aside.
How we calculate your freelance tax
Self-employment tax
Social Security (12.4%) applies up to the $176,100 wage base. Medicare (2.9%) has no cap. An extra 0.9% Medicare applies above $200K. Multiply net income by 92.35% first — then apply rates. 50% of SE tax is deductible from your AGI.
Federal income tax
Applied to your adjusted gross income using 2025 IRS tax brackets after the standard deduction ($15,000 single / $30,000 married) and your SE tax deduction.
State income tax
Applied based on your state's rate. Nine states charge zero income tax. California (9.3%) and Oregon (9.9%) are the highest. Enter your state to get the accurate rate.
Self-Employed Tax Calculator — Same Tool, Exact Numbers
Whether you call it a freelance tax calculator or a self-employed tax calculator, this tool handles both. If you receive 1099 income, run a sole proprietorship, or work as an independent contractor, your tax situation is identical — and this calculator covers it all.
Freelancers
Designers, writers, developers, consultants — anyone earning 1099 income with no employer withholding.
Sole Proprietors
Running your own business? You file on Schedule C and pay self-employment tax the same way as a freelancer.
Independent Contractors
Gig workers, contractors, and consultants all face the same 15.3% SE tax rate — this calculator handles it exactly.
Frequently asked questions
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