How much to set aside for quarterly taxes as a freelancer
Estimate your US self-employment and income taxes as a 1099 freelancer or contractor, and see exactly how much to set aside each quarter. Factors in the 15.3% self-employment tax, business expenses, W-2 income, and 2026 quarterly due dates.
A common rule is 25-30% of net income, but it varies. This calculator gives your exact figure by combining the 15.3% self-employment tax with federal and state income tax.
Self-employment tax is 15.3% (12.4% Social Security + 2.9% Medicare) on 92.35% of your net freelance income. As a freelancer you pay both the employer and employee halves.
Estimated quarterly taxes are due April 15, June 16, September 15 (2026), and January 15, 2027.