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Gig workers can deduct mileage at 72.5¢/mile, phone bill, home office, equipment, and health insurance. The QBI deduction (up to 20% of net income) and 50% SE tax deduction are automatic — no itemizing needed.
Last updated: May 2026 · By the GigWiseTax Team
✅ KEY TAKEAWAYS
IRS mileage rate is 72.5¢/mile in 2026 — the single biggest deduction for delivery and rideshare drivers
50% of SE tax is automatically deductible above-the-line — reduces federal taxable income
QBI deduction allows up to 20% of net income to be deducted — most gig workers qualify
Health insurance premiums are 100% deductible if you are self-employed and not covered by an employer plan
HSA contributions up to $4,300 (single) in 2026 reduce taxable income dollar-for-dollar