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!

Total Federal Refund
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State Tax Refund
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Potential Business Deductions
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Full tax breakdown

Total Income

This is your total gross income for the year including W2 and 1099 wages.

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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.

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Self Employment Tax Deduction

You can deduct the employer half of your self employment taxes.

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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.

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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.

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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.

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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.

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Self Employment Tax Liability

Your self-employment tax liability is the total Social Security and Medicare taxes (currently 15.3%) you are responsible for paying on 92.35% of your net business earnings if they exceed $400 in a year. This covers both the employer and employee portions of FICA taxes.

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Federal Taxes Liability

The estimated federal income tax you owe before credits, withholdings, or payments are applied.

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State Tax Liability

The estimated state income tax you owe before credits, withholdings, or payments, based on your state’s tax rules.

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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.

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Federal 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".

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State taxes withheld

This refers to the amount of state taxes that are taken out of your paycheck by your employer throughout the year. Keeper estimates this for you!

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Quarterly Tax Payments

If you've made quarterly estimated payments already for this tax year, add them under "advanced info".

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Estimated annual federal tax bill
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Estimated annual CA tax bill
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2026-03-23
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This was my first time using Keeper for bookkeeping and tax filing. In the past I just used spreadsheets and filed with Turbotax. This was the easiest tax return in years, I was able to link my accounts and review my expenses from the year, upload my documents and they handled the rest. I had a couple of questions along the way and they were answered quickly, even late evening and weekends. Any issues flagged were brought to my attention and I was given options to handle them. The only thing I had issue with was some of my transactions did not pull in from the linked accounts. I was able to find them easily and upload statements to fill the gaps. Still this was the easiest filing in years. This year I'll use the bookkeeping throughout the year and I'm sure next year will be even easier!
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2026-03-23
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Love this app SOOO much! I request id to all of my co workers with their taxes. TurboTax just wasn't for me. This is easy and so helpful as well so i also understand what im doing.
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2026-03-23
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I am a therapist, first year in private practice. I am legitimately shocked by how easy using this service to track deductions and file my taxes was. So worth the money!
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2026-03-21
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Keeper is has been a Blessing for my family as a small business owner over the last two years. Filing has been great and the experience of having everything itemized has helped so much.
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2026-03-20
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There was always useful and relevant help when needed. The service and staff are prompt and knowledgeable. I love that everything is user friendly.
Madison Nikkola
2026-03-19
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Keeper made it super easy to track my deductions throughout the year and this made everything super easy when filing for my taxes!
Jordan Popovsky
2026-03-19
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The last couple years I have used TurboTax to file my taxes. I have always felt a little confused by at least a few questions they ask, but with Keeper, it was easier, faster, and more efficient since all my deductions were already loaded into the app. This is my first year receiving a 1099 and I wasn't sure how much work it would be, but Keeper made the whole thing as simple as possible
Cameron Q
2026-03-19
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3rd year using the tool. Its the whole experience between it connecting to your accounts and making marking deductions easy. Then, also having a robust form process that doesn't feel overwhelming and provides clear information the whole way. Also works really well on web or mobile.
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2026-03-18
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2026-03-18
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Very Easy, I love it, I am also recomending to family and friends
Alejandro Cueto
2026-03-18
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Ive tried a couple of online taxing for my self employed work and id say keepertax is the most simplest and easiest program to use. i used to spend about $500 to hire a person to go through my taxes and it was just a little too unrealistic for me to do. also tried turbo tax which is cheaper but not as easy going through deductions. so this has been a great service and will definitely use it again next year!
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2026-03-18
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2026-03-14
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Make every way too easy. Love using it for both personal and business.
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2026-03-13
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This was the best filing experience I have ever had. First started with a 1:1 meeting with a wonderful taz expert, Sarah. She was very interested to hear our situation. The team I delt with throughout the process was excellent regarding communicating with me and answering all my questions. I am excited to continue to work with such a great team of professionals.
Julie W
2026-03-13
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easiest way to file my taxs ive ever found
Nick Dyrr
2026-03-12
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I’ve used Keeper every year for the past 5 years, and it’s been amazing. It helps me stay organized, the software is very easy to use, and it makes doing my taxes surprisingly enjoyable!
Genevieve Kozlowski
2026-03-12
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Was worried about filing taxes as it was my First year in business and i didnt track many expenses on paper. Keeper made it easy for me to determine was was a deductible, and what was personal. I was able to file my W2 with my previous Job and i even ended up with a small return my first year.
Shane S
2026-03-10
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Easy to upload everything needed to get your taxes done completely
Jordan Bowen
2026-03-09
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Its very convenient.
Chitchanok Kopitchayangkun
2026-03-06
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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
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  • 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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