🧮 FREE · 2026 IRS RULES · NO ACCOUNT

Gig Worker Tax Calculator (2026)

Platform income with nothing withheld — this works out what you owe on it.

Are you 65 or older?
Service business?
ℹ️
This assumes you earned nothing in Q1, Q2. The estimate spreads your figures across every quarter of the year so far, so if you have been earning all along your real bill is higher than this. Sign in to enter each quarter, or pick the quarter that matches what you typed.

Once saved, manage expenses on the Expenses page — this field will auto-update.

Health insurance & retirementBoth come off before tax is calculated — most freelancers miss them

Premiums you pay yourself — not any covered by a spouse’s employer plan.

Reduces income tax, but not self-employment tax.

Found on line 24 of your 2025 Form 1040

⚡ Instant calculations · No account required · IRS 2026 compliant

Rideshare, delivery and platform work pays gross. The platform withholds nothing, reports what it paid you, and the tax is yours to calculate and pay during the year.

Mileage is usually the largest deduction and the one most often left unclaimed. The IRS standard mileage rate covers fuel, wear and depreciation in a single figure per business mile, and for a driver it commonly exceeds every other expense combined.

Platform fees, commissions, phone costs apportioned to work, insulated bags, car cleaning and parking are deductible too. What remains after all of it is the profit that self-employment tax of 15.3% and income tax are charged on.

Gross platform earnings are a poor guide to what you owe — a driver with heavy mileage may owe far less than their reported income suggests. The deductions have to be recorded to count, which is why a log kept through the year is worth more than one reconstructed in April.

Common questions

Do I owe tax if the platform did not send a form?

Yes. Reporting thresholds govern the platform’s paperwork, not your liability. Income is taxable whether or not a form arrives.

Mileage or actual car expenses?

Either, but not both, and the choice has consequences for later years. Standard mileage is simpler and usually larger for high-mileage drivers.

Does the drive to my first pickup count?

Generally yes once you are online and available for work. Commuting to a fixed workplace does not — the distinction matters and is worth logging accurately.

What if I drive for more than one platform?

It is one business for tax purposes. Combine the income and the expenses; do not calculate each platform separately.

Other calculators

Self-Employment Tax Calculator (2026) · Self-employment tax is 15.3% of your net profit, and it is separate from income tax. This works out both.1099 Tax Calculator (2026) · Nobody withheld anything from those payments. This works out what you owe on them.Estimated Tax Calculator (2026) · Four payments a year, and this works out what each one should be.Full 2026 quarterly tax calculator →