Self-Employment Tax Calculator
If you're a freelancer, gig worker, or 1099 contractor, you owe self-employment tax — 15.3% of your net profit covering Social Security and Medicare — on top of ordinary federal and state income tax. Enter your expected net profit below to see the full breakdown for 2026.
Take-home rate 79%
Take-home $59,505 Tax $15,495
Federal SE tax
Net earnings subject to SE tax (92.35%) $69,263
Social Security (12.4%) $8,589
Medicare (2.9%) $2,009
Total self-employment tax $10,597
Income tax
Half of SE tax deduction -$5,299
QBI deduction (20%) -$10,720
Federal income tax $4,898
Texas income tax (none) $0
Bottom line
Total estimated tax $15,495
Effective tax rate 20.7%
Estimated take-home pay $59,505
Self-employment tax by state
Federal SE tax is the same nationwide, but your total tax burden also depends on your state's income tax. Jump to your state for a pre-filled breakdown:
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