Self-Employed Tax Calculator | 1099 Quarterly Tax Spreadsheet (Google Sheets, Excel)

Description

Self-Employed Tax Calculator — Stop guessing what you owe. This estimator calculates your self-employment tax and federal income tax on your 1099 income, and tells you exactly what to set aside each quarter – so tax season is never a surprise.

What’s inside your Self-Employed Tax Calculator

Editable in Google Sheets and Microsoft Excel. Enter your income and the whole estimate updates.

What It Does

• Dashboard: your total estimated tax, what to set aside each quarter, your effective rate and take-home
• Income: your 1099 income from every client or platform
• Deductions: your business write-offs, which lower the income you’re taxed on
• Tax Calculation: self-employment tax (15.3% on 92.35%, Social Security capped at the wage base) plus federal income tax using the 2026 IRS brackets – applied progressively, not as a flat guess
• Quarterly: your estimate split into four payments with the usual IRS due dates
• How to Use: how the tax works, and what it does and doesn’t include

Calculates

• Self-employment tax and federal income tax (cross-checked)
• Total estimated tax and effective rate
• Quarterly estimated payments
• After-tax take-home

Built with the official 2026 IRS figures (Revenue Procedure 2025-32) – standard deduction, tax brackets and the Social Security wage base are all pre-filled and fully editable. Single or Married Filing Jointly.

Who it’s for

Freelancers, 1099 contractors, gig workers and small business owners (sole proprietors and single-member LLCs) who want to know their tax before the year ends.

Explore more in our Personal Finance Trackers collection, or open it in Google Sheets.

Frequently asked questions

How is it delivered?
Instant download in Google Sheets, Excel & PDF — available right after checkout, with lifetime access.

Is it ready to use?
Yes — the formulas are built in. Enter your own numbers and it calculates automatically.