Free Texas 1099 Tax Calculator (With Deductions)
Calculate your federal, Texas state, and self-employment taxes and see your true 2026 take-home pay. Free, no signup.
Your Numbers
Your Take-Home
Don't pay taxes out of your personal checking account.
Mingling personal and 1099 earnings is the #1 trigger for IRS audit flags and lost expense write-offs. Separate your business expenses instantly with a zero-fee dedicated business account.
Open Dedicated Business AccountPartner offer.
Set aside for tax
Nobody withholds tax for you, so this is the money to keep back.
Estimated quarterly payments
- Q1 (Jan–Mar) · due 15 April 2026$4,499
- Q2 (Apr–May) · due 15 June 2026$4,499
- Q3 (Jun–Aug) · due 15 September 2026$4,499
- Q4 (Sep–Dec) · due 15 January 2027$4,499
Free business banking that estimates your tax bill and ring-fences the cash as you get paid. Partner offer.
As a W-2 employee on the same pay
An employee's payroll tax is split with their employer, so the same gross pay keeps more. The gap is roughly the premium you should build into your contractor rate (before benefits).
PRO STRATEGY // EXPENSE MAXIMIZATION
Never leave tax deductions on the table.
The average 1099 contractor misses over $4,500 in eligible write-offs each year. Stop tracking receipts manually and automatically capture every deductible expense.
Start Free Trial with Keeper ↗Estimates only. Based on 2026 US federal tax rules for single/standard filers. Does not include state, local, or other tax obligations. Consult a qualified accountant.
Texas state income tax
0% State Income TaxTexas charges no state income tax on your 1099 profit — the federal figures above are your whole tax bill.
- Take-home after federal taxes
- $59,005
- Texas state income tax
- − $0
- True take-home in TX
- $59,005
- That's per month
- $4,917
Texas has no state income tax, so your federal bill is the whole story.
What you still owe in Texas
Texas has no state income tax, so nothing in this calculation goes to TX. Your 1099 tax bill is entirely federal: income tax at the 2026 federal brackets after the standard deduction, plus self-employment tax of 15.3% on 92.35% of your net profit (Social Security 12.4% and Medicare 2.9%). That self-employment portion is the part most new 1099 workers underestimate, because an employer normally pays half of it.
No state return does not mean no quarterly payments — the IRS still expects estimated tax four times a year. See the quarterly deadlines and amounts.
Worked example: $85,000 of 1099 income in Texas
Say you invoice $85,000 over the year and claim $8,000 of business expenses, leaving $77,000 of net profit. You would owe roughly $7,115 in federal income tax, $10,880 in self-employment tax and nothing to Texas — about 23.4% of your profit in total. That leaves $59,005 a year, or $4,917 a month.
With no state tax to set aside, your whole set-aside in TX can go toward the federal bill and quarterly payments.
Quarterly estimated tax deadlines for Texas 1099 workers
The IRS expects self-employed workers to pay as they earn, in four instalments. On the worked example above, each payment would be about $4,499. Missing a deadline triggers an underpayment penalty even if you pay in full when you file.
- Q1 paymentApril 15, 2026
- Q2 paymentJune 15, 2026
- Q3 paymentSeptember 15, 2026
- Q4 paymentJanuary 15, 2027
Calculate your own quarterly payments with your real income and expenses.
How Texas compares with nearby states
On the same $77,000 of net profit, here is what state income tax costs across the border:
- Oklahoma — $3,469, $3,469 more than TX
- Louisiana — $2,310, $2,310 more than TX
- New Mexico — $3,231, $3,231 more than TX
FAQ
- Does Texas tax self-employment income?
- Texas has no state income tax, so your 1099 income is only taxed federally.
- Do I still owe self-employment tax?
- Yes. Self-employment tax (Social Security and Medicare, 15.3% on 92.35% of net profit) is federal and applies in every state.
- How much should I set aside for taxes in Texas?
- On $77,000 of profit, federal and Texas taxes come to roughly 23% of what you earn — all of it federal. Setting aside around 23% of every payment keeps you covered; use the calculator above with your own numbers to fine-tune it.
- Do I owe franchise tax as a 1099 contractor in Texas?
- Almost certainly not. The Texas franchise tax applies to formed entities like LLCs and corporations, not to sole proprietors reporting 1099 income on Schedule C. Even for entities, no tax is due below roughly $2.47 million in annual revenue.
Texas has no state income tax, so your federal bill is the whole story. Estimates only, single filer, before state deductions and credits — not tax advice.
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