Side Hustle Tax Calculator 2026

About

Calculate the real tax impact of your side hustle income stacked on top of your W-2 job — in seconds.

Most tax calculators treat your income as one lump. But if you have a day job AND freelance/gig/1099 income, your side hustle dollars are taxed at your MARGINAL rate — not your average rate. This calculator shows you exactly what happens when income stacks.

WHAT IT CALCULATES:
- Combined federal income tax on W-2 + side hustle income
- Self-employment tax (15.3% SECA) on side income
- Effective vs marginal tax rate comparison
- Quarterly estimated payment amounts
- Take-home pay after all taxes
- How much each additional $1,000 of side income actually costs in tax

FEATURES:
- 2026 tax brackets (OBBBA/TCJA permanent rates)
- W-2 withholding offset — enter your paycheck withholding to see the GAP you need to cover
- Self-employment tax with above-the-line deduction calculated automatically
- Standard deduction applied ($15,350 single / $30,700 MFJ)
- QBI deduction for qualifying business income
- Clean, instant results — no signup, no data collection

WHO THIS IS FOR:
- Freelancers with a day job
- Gig workers (Uber, DoorDash, Instacart) with W-2 employment
- Side business owners
- Anyone with 1099 + W-2 income wondering "how much of this do I actually keep?"

FREE — Federal tax calculation, SE tax, quarterly estimates, take-home breakdown.

PRO ($4.99) — Adds state income tax for all 50 states, deduction optimizer, and export.

Built by QuantCalc (quantcalc.app) — makers of the Monte Carlo retirement planner trusted by the FIRE community.

Your data never leaves your browser. Zero tracking. Zero data collection.