Texas 1099 / Self-Employed Tax Calculator
Estimate your Texas freelancer or independent contractor take-home pay after self-employment tax (15.3%) and federal income tax. Texas has no state income tax — enter your annual net income below.
How Self-Employment Tax Works in Texas (1099 Contractors)
As a 1099 contractor, freelancer, or self-employed worker in Texas, you are responsible for paying both the employee and employer portions of Social Security and Medicare taxes. This combinedself-employment (SE) tax is 15.3% — 12.4% for Social Security (up to the $184,500 wage base) and 2.9% for Medicare on all net earnings. Texas has no state income tax, so no state SE tax applies.
SE tax is calculated on 92.35% of your net self-employment income (the IRS allows this reduction to account for the employer-equivalent portion). You can then deduct half of your SE tax from your gross income when calculating federal income tax, which partially offsets the burden. As a rule of thumb, set aside 25–30% of every payment you receive to cover both SE tax and federal income tax.
If you also have W-2 income, use our Texas hourly paycheck calculator for that portion and this calculator for your 1099 income separately. For salaried employees, see the Texas salary paycheck calculator.
Example: How Much Tax Does a $75,000 1099 Contractor Pay in Texas?
| Item | Amount |
|---|---|
| Gross Self-Employment Income | $75,000 |
| SE Tax Base (92.35%) | $69,263 |
| Self-Employment Tax (15.3%) | −$10,597 |
| SE Tax Deduction (half) | −$5,299 from taxable income |
| Federal Income Tax | −$7,888 (approx.) |
| Texas State Tax | $0.00 |
| Net Take-Home | ~$56,515 |
Quarterly Estimated Tax Payments
The IRS requires quarterly estimated tax payments if you expect to owe $1,000 or more for the year. Divide your estimated annual tax by 4 and pay by the due dates: April 15, June 15, September 15, and January 15. Missing payments may result in underpayment penalties.