Free Self-Employment Tax Calculator 2025

Instantly estimate your SE tax, federal & state income tax, and quarterly payments. Built for freelancers, 1099 contractors, and small business owners.

15.3%
SE tax rate
50
States covered
4
Quarterly due dates
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Your income & expenses

$
Total revenue before deductions
$
Software, supplies, home office...
$
$
SEP-IRA / Solo 401k

Your tax estimate

Net SE income$0
SE tax (15.3%)$0
Half SE deduction$0
Federal income tax$0
State income tax$0
Total estimated tax$0
Effective rate0%
FederalStateSE Tax
Estimated take-home$0

Quarterly payments

Q1
Apr 15, 2025
$0
Q2
Jun 16, 2025
$0
Q3
Sep 15, 2025
$0
Q4
Jan 15, 2026
$0
1. Net SE income
2. SE tax base (92.35%)
3. SE tax calculation
4. Half SE deduction
5. Adjusted gross income
6. Federal income tax
7. State income tax
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Deductions you shouldn't miss

Self-employed individuals can deduct these common business expenses to reduce their taxable income.

🏠

Home office

Deduct $5/sq ft (up to 300 sq ft) using the simplified method.

🚗

Vehicle mileage

70 cents per business mile in 2025.

🏥

Health insurance

100% of premiums for yourself, spouse & dependents.

📱

Phone & internet

Business-use percentage of monthly bills.

🎓

Education

Courses and certifications that improve your skills.

💻

Software & tools

Subscriptions and equipment for business.

🏦

Bank fees

Business account and payment processing fees.

📋

Professional services

Bookkeeping, legal, and accounting fees.

Frequently asked questions

What is the self-employment tax rate for 2025?▼
The self-employment tax rate is 15.3%, consisting of 12.4% for Social Security (on the first $176,100) and 2.9% for Medicare. An additional 0.9% Medicare surtax applies above $200,000.
How do I calculate self-employment tax?▼
Multiply your net SE income by 92.35% to get the tax base, then apply the 15.3% rate. You can deduct half of your SE tax from AGI.
When are quarterly payments due in 2025?▼
Q1: Apr 15 · Q2: Jun 16 · Q3: Sep 15 · Q4: Jan 15, 2026.
Can I deduct half of my SE tax?▼
Yes! The IRS allows a 50% above-the-line deduction for SE tax, reducing your AGI and federal tax.
Do I pay SE tax with a full-time job?▼
If you earn $400+ in net SE income, you must pay SE tax even with a W-2 job.
SE tax vs. income tax?▼
SE tax covers Social Security and Medicare. Income tax is separate, based on your bracket. You pay both.
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