Free Gig Worker Tax Calculator 2026 — All Platforms, All 50 States + DC

Gig workers pay SE tax (15.3%) on net earnings plus federal income tax (10–22% for most) plus state tax. Total effective rate is typically 25–35%. A DoorDash driver earning $40,000 in California pays roughly $12,000–$14,000 in total taxes.

Q1: April 15 · Q2: June 16 · Q3: September 15 · Q4: January 15, 2027. Miss a deadline and the IRS charges a 7% underpayment penalty on the amount owed.

Yes — the 2026 IRS standard mileage rate is 72.5¢/mile through June 30, 72.5¢/mile from July 1 onward. A driver logging 15,000 business miles saves roughly $11,000-$11,400 in deductible expenses, which reduces SE tax and income tax.

Yes. OnlyFans sends a 1099-NEC for earnings over $600. Creators pay 15.3% SE tax on net profit plus income tax. The platform fee (20%) is deductible, as are equipment, internet, and home office expenses.

Take your expected annual net income, multiply by 0.9235 for the SE base, apply 15.3% for SE tax, add federal income tax estimate, divide total by 4. Our calculator does this automatically for all 50 states + DC.

Yes. W-2 employees split FICA 50/50 with their employer. Gig workers pay both halves (15.3%) but can deduct 50% of SE tax on Form 1040. This makes accurate quarterly payments critical to avoid underpayment penalties.