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Estimate your federal and state income taxes. Includes self-employment tax for gig workers.
Estimate Only
This calculator provides estimates for educational and planning purposes only. Results are based on general data and may not reflect your specific situation. Tax laws, rates, and regulations change frequently. Always consult a qualified tax professional or financial advisor before making financial decisions.
Last updated: 2026-02-01
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Estimated Take-Home
$29,079
16.9% effective tax rate
$1,480
Due every 3 months
$493
Save this much each month for taxes
IRS estimated tax due dates and amounts
Q1 — April 15
$1,480
Q2 — June 15
$1,480
Q3 — September 15
$1,480
Q4 — January 15
$1,480
If you earned the same $35,000 as a W-2 employee:
W-2 staffing apps offer shifts where your employer handles taxes. Your take-home is higher for the same hourly rate.
Learn more about W-2 vs 1099 workCaptures federal brackets, standard or itemized deduction selection, and state withholding tables. Surfaces effective vs marginal rate side-by-side. Same data model as the paycheck calculator but presented as tax owed rather than net pay.
Before quarterly estimated tax deadlines (April 15, June 15, September 15, January 15), when sizing up 1099 income, or when forecasting a year's total tax bill after a raise.
Marginal is the rate applied to your last dollar earned (the bracket you fall into). Effective is your total tax divided by total income — always lower than your marginal rate because earlier income is taxed at lower brackets.
If you expect to owe $1,000+ in federal tax after withholding (typical for 1099 contractors with no W-2 backstop), yes. The IRS penalty for underpayment compounds quarterly; pay 100% of last year's tax or 90% of this year's to avoid it.
Yes — federal brackets and the standard deduction update each tax year. Each state's withholding table follows whenever the state publishes its current-year guide; lagging states are flagged with a provisional notice.
Partially — the calculator uses your work state for withholding. If you're a resident of a different state, you'll likely owe a small balance to your resident state at tax time (credit for taxes paid to the work state applies). Use a tax professional for the multi-state filing.
The calculator flags cities with local income tax in the state selector. Enter the local rate manually for an accurate estimate; cities like Detroit, Cleveland, and St. Louis have additional ~1-3% withholding on top of state.
No — inputs live only in your browser session. We don't ship analytics or accounts that capture tax data. Re-enter when filing season comes around.
Same calculator family, applied to New Jersey's rules and rates.
Understand what I actually take home from a shift, gig, or week of work.
