1099 Tax CalculatorFREE TOOL

This free 1099 tax calculator helps freelancers and independent contractors figure out exactly what they owe in federal and state taxes. Enter your income and deductions, and we'll calculate your annual tax bill, break down your quarterly payment amounts, and show you potential tax savings. No guessing, no surprises.

Step 1 of 425%

Let's start with what you've earned

Include all freelance, consulting, or side income paid without taxes withheld

Total freelance / 1099 income this year

Do you also have a W2 job?

Per Invoice CalculatorFREE TOOL

Enter any payment amount and instantly see exactly how much to set aside for taxes — so you never get caught short at tax time.

Payment Amount Received ($)

Estimated Annual Freelance Income ($)

Filing Status

Your State

Safe Harbor CalculatorFREE TOOL

The IRS safe harbor rule lets you avoid underpayment penalties completely — if you know how to use it. Enter last year's tax bill and we'll tell you exactly what to pay each quarter.

What Is the Safe Harbor Rule?

If you pay at least 100% of last year's total tax bill in quarterly installments, the IRS cannot charge you an underpayment penalty — even if you end up owing more at filing time. This is one of the most powerful and least known protections available to freelancers.

1. What was your total federal tax bill last year?

Find this on your last year's Form 1040, Line 24 — "Total Tax"

2. Do you expect to earn more than $150,000 this year?

(Or $75,000 if married filing separately)

NoYes

3. What is your estimated 2026 tax bill? (Optional)

Leave blank if you haven't calculated yet. We use this to tell you if you'll owe more at filing.