💰 Calculate Your 1099 Take-Home Pay
Runs entirely in your browser. No income data is sent or stored. Uses official 2026 figures: IRS Rev. Proc. 2025-32 brackets, $16,100/$32,200 standard deduction, 15.3% SE tax on 92.35% of net profit, $184,500 Social Security wage base, and full progressive state brackets for all 41 taxing states + DC.
1099 take-home pay by income, 2026
Single filer, standard deduction, and a state with no income tax. Every figure comes from the same engine as the calculator above, so the table and the tool always agree.
| Net profit | Self-employment tax | Federal income tax | Take-home | Per month | Kept |
|---|---|---|---|---|---|
| $30,000 | $4,239 | $1,178 | $24,583 | $2,049 | 82% |
| $50,000 | $7,065 | $3,396 | $39,539 | $3,295 | 79% |
| $75,000 | $10,597 | $6,504 | $57,899 | $4,825 | 77% |
| $100,000 | $14,130 | $11,616 | $74,255 | $6,188 | 74% |
| $150,000 | $21,194 | $22,191 | $106,615 | $8,885 | 71% |
| $200,000 | $28,234 | $33,346 | $138,420 | $11,535 | 69% |
State income tax comes out of these figures. At $100,000 of profit the take-home is $74,255 with no state tax, $69,841 in California and $69,812 in New York. Pick your state in the calculator, or open its page from the state-by-state list to see that state's working line by line.
Why 1099 take-home differs from a W-2 paycheck
An employer withholds income tax from every W-2 paycheck and pays half of Social Security and Medicare on top of the wage. A 1099 client does neither. The full payment arrives untaxed, and you owe both halves of Social Security and Medicare as self-employment tax: 15.3% on 92.35% of net profit, which comes to 14.13% of profit below the $184,500 wage base. Federal and state income tax follow.
So the deposit in your account is not your pay. Your pay is what is left once those three bills are covered, and that is the figure this calculator works out.
Turning 1099 income into a steady paycheck
Clients pay when they pay, so the practical answer is to build the paycheck yourself.
- Open a second account for tax. Each time a payment lands, move the tax share across the same day. The calculator's effective rate is that share. At $75,000 of profit in a state with no income tax it is 23%, or $1,425 a month.
- Pay yourself a fixed amount on a fixed day, twice a month or every two weeks, from what remains. If income swings, base the amount on the average of the last three months, not on the best month.
- Empty the tax account four times a year. Federal estimated payments are due April 15, June 15, September 15 and January 15. The quarterly tax calculator gives the amount for each date.
Whatever is still in the tax account after you file is yours to move back.
1099 hourly rate versus a W-2 wage
Take a W-2 job at $40 an hour. Over 2,080 paid hours that is $83,200 a year, and a single filer in a state with no income tax takes home $67,361. To take home the same amount as a contractor you need $89,463 of net profit, 7.5% more, because you now pay the employer's half of Social Security and Medicare.
That is before hours. A contractor who bills 40 hours a week for 48 weeks has 1,920 billable hours, which puts the break-even rate at $46.60 an hour. At 1,600 billable hours, a more typical year once admin and gaps between clients are counted, it is $55.91, about 1.4 times the wage. Health insurance and retirement contributions still come on top of that.
The W-2 vs 1099 comparison goes further into the tax difference.
What the take-home figure leaves out
The calculator covers tax. A fair comparison with a salaried job also has to count what an employer would have paid for.
- Health insurance. Premiums you pay for yourself are deductible against income tax, though not against self-employment tax, and the cash still leaves your account.
- Retirement. There is no employer match. A SEP-IRA or Solo 401(k) contribution lowers income tax, and the Solo 401(k) vs SEP-IRA comparison shows by how much.
- Unpaid time. Holidays, sick days and the hours spent finding work are not billable. That is why the calculator asks for working weeks and defaults to 48.
- The QBI deduction. Many sole proprietors can deduct up to 20% of qualified business income from federal taxable income. It is not modelled here, so real take-home is often a little higher than shown.
- Local income tax. New York City, Philadelphia and many Ohio and Michigan cities tax residents or local earnings. The calculator flags states with local taxes but does not compute them.
FAQ
How much of my 1099 income do I keep?
It depends on profit and state. In 2026 a single filer in a state with no income tax keeps 79% of a $50,000 net profit, 77% of $75,000 and 71% of $150,000. State income tax lowers that by a few points: at $75,000 the take-home is $57,899 with no state tax and $55,535 in California.
Is this a 1099 paycheck calculator?
Yes. A 1099 contractor has no paycheck with tax already withheld, so a 1099 paycheck calculator has to work out the tax first and then divide what is left by pay period. This one shows the result per month, twice a month, every two weeks, per week and per hour.
How is a 1099 salary different from a W-2 salary of the same amount?
A W-2 salary of $83,200 leaves a single filer $67,361 after federal income tax and FICA in a state with no income tax. The same $83,200 as 1099 net profit leaves $63,263, because the contractor pays both halves of Social Security and Medicare.
Does it include the QBI deduction?
No. The qualified business income deduction can remove up to 20% of qualified business income from federal taxable income. Leaving it out means the estimate errs toward setting aside too much, not too little.
Should I enter income before or after expenses?
Before. Enter gross 1099 income and deductible business expenses in their own boxes. Tax is charged on the difference, which is your net profit on Schedule C.
Related calculators
The main 1099 tax calculator shows the full self-employment, federal and state breakdown. The quarterly tax calculator turns it into four payments, the refund estimator checks what you have already paid, and how much to set aside gives the percentage by income and state.
Estimates only, not tax advice. The QBI deduction, credits and retirement deductions are not included, so your bill may be lower. Sources: IRS Rev. Proc. 2025-32, SSA and state tax agencies. Built and maintained by Rahul B. See the methodology and changelog. Last updated October 7, 2026. Report an issue.