How much do Instacart shoppers pay in taxes?

Instacart full-service shoppers pay self-employment tax (15.3%) plus income tax as independent contractors. In-store shoppers are W-2 employees with taxes withheld. Full-service shoppers should save 25-30% of earnings.

Does Instacart withhold taxes from shoppers?

Only for in-store part-time employees. Full-service Instacart shoppers are 1099 contractors — no taxes are withheld. You must make quarterly estimated payments to avoid IRS penalties.

Can Instacart shoppers deduct mileage?

Yes. Full-service Instacart shoppers can deduct mileage at 72.5 cents/mile (2026) from the store to the customer. Mileage from home to the store is not deductible unless you have a home office.

Instacart Tax Calculator — Montana 2026

Free Instacart tax calculator for Montana (MT). Includes the 5.9% Montana state income tax plus federal SE tax (15.3%) and federal income tax. Quarterly payment schedule with Google Calendar export. No signup required.

MT: 5.9% IRS Schedule SE No Signup 2026 Tax Rules Instant Results

Instacart Tax Calculator 2026IRS Schedule SE

State of Residence

Filing Status

Annual Instacart Net Income (USD)

Calculate Instacart Tax Estimate

Ready to file your 1099 taxes?

Compare the best tax software for gig workers in 2026 and see which saves you the most.

See recommended tax software →

Instacart Taxes in Montana — 2026 Guide

How Instacart Taxes Work in Montana

Montana has a 5.9% state income tax rate. Instacart workers in Montana must file both federal and Montana Form ESW for quarterly estimated payments.

SE Tax

15.3%

Federal (all states)

Federal Tax

10–37%

Based on income

MT State Tax

5.9%

Montana rate

2026 Quarterly Tax Deadlines for Montana

Quarter	Due Date	Federal (1040-ES)	MT State
NOWQ1 2026	April 15, 2026	✓ Required	Required
Q2 2026	June 16, 2026	✓ Required	Required
Q3 2026	September 15, 2026	✓ Required	Required
Q4 2026	January 15, 2027	✓ Required	Required

Top Tax Deductions for Instacart Workers in Montana

Mileage deduction — 72.5¢/mile (Jan–Jun), 76¢/mile (Jul–Dec) 2026

Phone bill — business use percentage

Auto insurance — business use percentage

Insulated bags & coolers

Parking fees & tolls

Accounting & tax software

Self-employed health insurance premiums

Half of self-employment tax (SE tax deduction)

Phone mount & car accessories

EV charging costs (if electric vehicle)

FAQ — Instacart Taxes in Montana 2026

Q: How much is Instacart tax in Montana?

In Montana, Instacart workers pay 15.3% self-employment tax, federal income tax (10–37%), plus 5.9% Montana state income tax. On $35,000 net income, expect to owe approximately $9,815 total.

Q: Do I need to make quarterly payments in Montana?

Yes. In Montana, you must make both federal quarterly estimated payments (IRS Form 1040-ES) and Montana state quarterly payments if you expect to owe $1,000 or more.

Q: What is the self-employment tax rate in Montana for Instacart workers?

The federal self-employment tax rate is 15.3% regardless of state. This covers Social Security (12.4%) and Medicare (2.9%). In Montana, you additionally pay 5.9% state income tax.

Q: Does Instacart take out taxes in Montana?

No. Instacart classifies workers as independent contractors, not employees. No taxes are withheld from your payments. You are responsible for paying all federal SE tax, federal income tax, and Montana state income tax yourself, typically through quarterly estimated payments.

Disclaimer: State tax rates are for estimation purposes. Verify with your state's department of revenue or a licensed CPA. Not affiliated with the IRS, Instacart, or any government agency.

Instacart Tax in Other States