1099 Tax Calculator

Use Keeper’s 1099 tax calculator to see an estimate of your tax bill or refund. Feel free to tinker around, or get serious with our advanced info fields.

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Student tuition payments are amounts paid for education expenses, such as tuition and required fees, to attend an eligible educational institution. These payments can qualify you for education-related tax credits or deductions, like the American Opportunity Credit or Lifetime Learning Credit, which can reduce your overall tax liability.

Mortgage interest is the interest you pay on a loan secured by your home, which can include a mortgage on your primary residence or a second home. This interest is often deductible on your federal income tax return, potentially lowering your taxable income if you itemize deductions.

Traditional IRA contributions are amounts you can contribute to a retirement account, which may be tax-deductible depending on your income and whether you have a retirement plan at work. The contributions grow tax-deferred, meaning you won't pay taxes on the earnings until you withdraw the money during retirement.

Quarterly tax payments are estimated tax payments made four times a year to cover income that isn't subject to withholding, such as self-employment income, interest, dividends, and rental income. These payments help you avoid underpayment penalties and ensure you're paying taxes throughout the year as you earn income.

Keeper assumes a standard withholding by your employer's payroll provider. If you know the exact withholding, you can enter it here for an even more accurate tax refund estimate!

Your tax refund estimate

Federal tax bill
$1,509
CA State tax bill
$411
Adjusted gross income

This is your total income for the year minus certain adjustments, such as contributions to retirement accounts, student loan interest, and self-employment taxes.

$79,647
Standard deduction

The standard deduction is a fixed dollar amount that reduces the income you're taxed on, simplifying the tax filing process. It varies based on your filing status (e.g., single, married filing jointly) and is adjusted annually for inflation.

-$13,850
Business deductions

Itemized business deductions are specific expenses that you can deduct from your 1099 / business income to reduce your taxable income. These can include costs like office supplies, travel expenses, advertising, and professional services, as long as they are ordinary and necessary for your business.

???
Other deductions

Common deductions include state and local taxes, mortgage interest, charitable contributions, student loan interest, retirement contributions, and educational expenses. This line also includes the Qualified Business Income (QBI) deduction, which allows a 20% deduction on qualified 1099 / business income.

−$1,000
Taxable income

Taxable income is the portion of your income that is subject to federal income tax after accounting for deductions and exemptions. It includes wages, salaries, bonuses, and other forms of income, minus any allowable deductions like the standard deduction or itemized deductions.

$64,797
Credits

The most common tax credits people can claim include the Earned Income Tax Credit (EITC), Child Tax Credit, American Opportunity Credit, Lifetime Learning Credit, and the Premium Tax Credit. These credits can reduce the amount of tax you owe or increase your refund.

−$0
Gross taxes

Gross taxes refer to the total amount of tax liability before accounting for any tax credits or payments made throughout the year. It represents the initial calculation of taxes owed based on your taxable income and applicable tax rates.

$16,007
Taxes withheld

This refers to the amount of federal and state taxes that are taken out of your paycheck by your employer throughout the year. Keeper assumes a standard withholding by default. If you know your employer's exact withholding, you can input it under "Add advanced info".

−$14,498
Quarterly tax payments

Quarterly tax payments are estimated tax payments made four times a year to cover income that isn't subject to withholding, such as 1099 / business income, interest, dividends, and rental income. These payments help you avoid underpayment penalties and ensure you're paying taxes throughout the year as you earn income.

−$0
Estimated federal tax bill
$1,509
Estimated CA tax bill
$411

Uncover $700 - $1,350* in business deductions

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* actual average deductions claimed by Keeper customers with income profiles similar to yours.

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Over 15,000 reviews

4.8+ average

Great way to keep track of expenses. I wish I could've selected more than one bank account to filter at a time instead of going back and marking each one separately. But ultimately an easyish experience :)
Benjamin Lally
2025-06-05
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Keeper from day one have always made my tax filing simple and effective. Threw my growth they have been very helpful with every aspect of my tax challenges.
Mad Max
2025-06-04
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Keeper took all the stress and miniscule legwork that makes this process so hard even when you are new at this
Wil Villalobos
2025-05-30
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This was super simple and I love that you track my deductions throughout the year. I should have done this sooner.
Jonathan de Lavelanet
2025-05-10
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Straight to the point no bs ads complicate the process. I will definitely recommend to friends and coworkers.
Michael Kerrigan
2025-05-06
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Really good deduction system. Was easy & what I was looking for.
Nick Rideout
2025-05-06
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I don't know anything about filing taxes, and Keeper was so easy and helpful. Worth the investment.
Alaina Lee
2025-05-01
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I've used Keeper Tax for the past few years, and this year was the best experience yet. Keeper continues to amaze me with how seamless, straightforward, and stress-free it can actually be to prepare and file my taxes. I was worried that my situation would be too complicated or tricky for Keeper to handle - but I was wrong. (Lesson: set aside your tax woes, Keeper simplifies it). Another year, another "keeper saves the day!" (Again)
Chelsie D
2025-04-29
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Their staff went above and beyond to help a new business owner file. I had no idea what I was doing and they were a great help!
Michelle R.
2025-04-29
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Great service. Love it
Antulio Diaz
2025-04-25
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Made filing taxes an absolute breeze! Keeper did all the heavy lifting and made my tax filing process as easy as ever for a self-employed business owner. I was able to maximize my deductions and trust that everything was done correctly. Will be using this service yearly moving forward!
Katie Harris
2025-04-21
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Keeper its great, it has a great AI chatbot to help out with deductions, lots of articles, and also REAL PEOPLE that will take either your message or request once elevated in seconds!! Also their algorithm for deductions is quite good and simple, and once your deductions are finalized and you scanned all your tax forms, A REAL TAX PROFESSIONAL will go thru your taxes and give you feedback and alerts.
David Moreno
2025-04-21
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So much easier and more user-friendly than any service I've tried to use
Ashley S
2025-04-21
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This app makes tracking expenses so easy and when you have to review for tax purposes, the process couldn't be any easier.
K McFarlane
2025-04-18
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Keeper cuts out the tedious steps and make your tax filing quick and easy. The whole process is guided with easy to follow steps. They have a chatbot to help anytime you are unsure about something, and this chatbot is actually useful!
Jonathan Stevens
2025-04-16
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The easiest way to file taxes with a 1099!!! The app tracks your spending throughout the year, so when it comes to tax time, you have the majority of your deductions already pulled, along with items that might be deducted. I've used Keeper for three years in a row, and each year, I'm grateful for how easy they make things.
Isabel N Rough
2025-04-16
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Quick & easy to do with quick results. Lovely bonus of getting a federal refund when expected to owe.
LP
2025-04-16
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This is the first time I have utilized this software and service. Very intuitive, easy to use, and highly comprehensive. My only complaint is what I owed vs. what Keeper said I owed was drastically different, even with its estimating tool. Excellent product and I will better utilize it for this year's taxes. Very efficient turn-around on review of taxes, too. KUDOS!
Julie Bush
2025-04-16
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fast service
Justin Wilson
2025-04-16
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This was the most intuitive, easiest software I've used for taxes, ever! 10/10 will recommend!
Jonathan Morgan
2025-04-16
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FAQ

Can I get both a 1099 and a W-2?
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Yes, it’s possible to have both 1099 income and W-2 income. Most people with a full-time job and a side hustle fit into this category.

For example, let’s say you’re a marketing professional who has a salaried job at an agency but also offers consulting services to clients on the side. You’d receive a W-2 from your salaried job and 1099 forms from your clients.

What is the 1099 tax rate?
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1099 workers are taxed at a 15.3% self-employment rate. Normally, this 15.3% is split equally between employers and employees. However, self-employed workers are both the employer and the employee, so they’re on the hook for both halves.

How do I pay less in taxes?
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If you have 1099 income, the best way to save on taxes is to make sure you’re taking all the business deductions available to you. This will lower the amount of income you’re taxed on, thus lowering your tax bill.

How much can I make on a 1099 before I have to claim it?
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If you make over $400 in 1099 income, you should plan to file taxes — whether that income appears on a 1099 or not.

Why might employers prefer 1099s?
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There are several ways in which working with 1099 contractors might be advantageous for employers than hiring W-2 employees, including:

  • Cost savings. When employers opt for 1099 contractors, they’ll save on taxes as well as the cost of benefits for a full-time W-2 employee.
  • Flexibility. Contracting with 1099 workers is often ideal for short-term, project-based hiring. Need a web developer for a one-month project only? A contractor is the way to go.
  • Highly specialized skills. Connecting with the right 1099 contractor means an employer can find exactly who they need for a particular project or task — with minimal training required.
What are some pros and cons of 1099 work?
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Not sure whether you should pursue 1099 work? Here are some pros and cons to consider.
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Pros of self-employment
‍

  • You can set your own hours
  • You can choose your clients — and nix the ones that aren’t working for you
  • Working with multiple clients often means a varied and exciting work environment

Not sure whether you should pursue 1099 work? Here are some pros and cons to consider.
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Cons of self-employment
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  • Your income can be inconsistent throughout the year, meaning you’ll have to budget carefully
  • You won’t receive benefits like company-sponsored healthcare, sick leave, or paid time off
How much should I set aside for 1099 taxes?
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As a general rule, you should plan to set 20-30% of your self-employment income aside for taxes. You can also get a solid estimate using Keeper’s self-employment tax rate calculator.

How do I file my 1099 taxes?
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You’ll file your 1099 taxes using the following forms:
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  • Schedule C
  • Schedule SE
  • Form 1040

 You may also need to file other forms, depending on your particular tax situation. Check out Keeper’s guide to filing self-employment taxes for step-by-step instructions.

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