Freelance & Contractor
1099 Take-Home Pay Calculator
Estimate your take-home pay as a U.S. 1099 freelancer or independent contractor. See self-employment tax, federal income tax, and effective tax rate.
Know the numbers
How to use this calculator
Enter your gross income (annual or monthly), estimated business expenses, and filing status. The calculator estimates your taxes and take-home pay.
A worked example
$100,000 gross, $5,000 expenses, single filer: self-employment tax ≈ $13,284, federal income tax ≈ $12,433, take-home ≈ $70,616.
The calculation
Self-employment tax = net income × 92.35% × 15.3% (capped at Social Security wage base). Federal income tax uses standard deduction and 2024 brackets.
Before you use the result
These are estimates based on 2024 federal tax rates and the standard deduction. State income taxes are not included. Actual taxes depend on deductions, credits, and your specific situation. Consult a tax professional for precise figures.
Common scenarios
Use this calculator whenever you need to verify your hours, check a paycheck, or prepare a timecard submission. The result is the same arithmetic the payroll department uses, displayed in a form you can inspect.
Calculation methodology: View formulas, limits, and corrections
Common questions about 1099 Take-Home Pay Calculator
How do I estimate my take-home pay as a 1099 freelancer?
Enter your gross income, business expenses, and filing status. The calculator estimates self-employment tax (Social Security + Medicare) and federal income tax, then subtracts both from your net income.
What is the difference between gross and net income?
Gross income is your total revenue before any deductions. Net income is gross income minus business expenses. Your self-employment tax and federal income tax are calculated on net income.
A little guidance, when you need it
Freelance Taxes: SE Tax & Quarterly Payments
Understand self-employment tax, federal income tax, and quarterly estimated payments for U.S. freelancers and 1099 contractors.
Read guide Field guideIs Health Insurance Deductible on a 1099?
Yes — 1099 contractors can deduct 100% of health insurance premiums through the self-employed health insurance deduction. Learn eligibility, limits, and how to claim it.
Read guide Field guideW-2 vs 1099: Hourly Rate After Health Insurance
W-2 vs 1099 hourly rate after health insurance: why a $30/hr job and a $40/hr contract can pay the same — and how to compare offers correctly.
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