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1099 Freelancer Quarterly Tax Calculator

Built around verified 2026 IRS figures. Enter your expected 1099 income and expenses and get your self-employment tax, federal income tax, and per-quarter IRS payment — with the exact 2026 due dates.

Not tax advice. This is an educational estimation tool, not a substitute for a CPA or Enrolled Agent. It estimates federal tax only — it does not model state income tax, self-employed health insurance or retirement plan deductions, prior-year safe-harbor rules, or every credit and deduction. Always verify current figures at irs.gov before making a payment.

Expected annual 1099 income ($)

Total 1099 / freelance income you expect to earn this year, before expenses.

Deductible business expenses ($)

Software, home office, mileage (72.5¢/mile for 2026), contractor payments, etc.

W-2 wages this year, if any ($, optional)

If you also have a W-2 job, this reduces the Social Security wage-base room left for your 1099 income.

State (for context only)

Apply QBI deduction (20%)

The Qualified Business Income deduction lets most freelancers deduct up to 20% of their business profit before federal income tax is calculated. On by default — most 1099 filers qualify.

$19 · One-Time Purchase

Want to track this all year, not just estimate it once?

This calculator gives you a snapshot for right now. The Freelancer Tax & Invoice Tracker 2026 spreadsheet gives you the whole system: an invoice log with automatic aging, a Schedule C expense tracker, this same quarterly tax calculator built with live formulas, a mileage log, and a dashboard — all in one Excel file you keep forever.

Invoice & Income Log with aging
Schedule C Expense Tracker
Quarterly Tax Calculator (live formulas)
Mileage Log at 72.5¢/mile
Live Dashboard with charts
Works in Excel, Sheets & Numbers

Get the $19 Tax & Invoice Tracker →

Want the full explanation behind these numbers?

Read the companion guide on Medium for a walkthrough of how quarterly estimated taxes actually work, and why the safe-harbor rule matters.

Read the Medium article →

More free 1099 tax tools

Just need the SE tax number?

A focused calculator that shows only your 15.3% self-employment tax, split into Social Security and Medicare.

Try the SE Tax Calculator →

Weighing a W-2 offer vs freelancing?

Compare take-home pay at the same gross salary as a 1099 contractor vs a W-2 employee.

Compare 1099 vs W-2 →

Just need the due dates?

A clean, printable list of every 2026 quarterly estimated tax deadline.

See 2026 Due Dates →