1099 / Self-Employed

Safe-to-Spend
Tax Calculator

Enter your gross 1099 payout and state — see exactly what to set aside for taxes and what's yours to keep.

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Other annual income — W-2 wages, investments, or other sources.
Federal income tax is based on total income, not just 1099. Leave blank if this is your only income.
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Set aside
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for taxes
Safe to spend
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yours to keep
Tax —% Keep —%
How it breaks down
Self-employment tax 15.3% on 92.35% of gross —
Federal income tax —
State income tax —
Total estimated tax —
📝 Heads up on write-offs: This doesn't account for business deductions — home office, equipment, mileage, subscriptions, etc. If you have deductible expenses, your actual tax bill will be lower. Think of this as a conservative ceiling.
Not tax advice. Estimates are for planning purposes only, using progressive 2026 federal brackets for a single filer with no deductions applied. Actual liability depends on your full filing picture. Consult a CPA or tax professional for your situation.