W2 and 1099 Tax Calculator
If you have both W2 and 1099 income, your tax situation is more complex than having just one type. Your W2 employer withholds taxes automatically, but you are responsible for paying taxes on your 1099 income through quarterly estimated payments.
The good news: your W2 withholding counts toward your total tax liability. You only need to make quarterly payments if your withholding does not cover enough of your combined tax bill.
Use our free W2 and 1099 tax calculator to see your total tax liability and how much you need to set aside for quarterly payments.
Frequently Asked Questions
How do I calculate taxes with both W2 and 1099 income?
Add your W2 wages and 1099 net income together for your total taxable income. Your W2 employer withholds taxes, but you must pay quarterly estimated taxes on your 1099 income.
Do I pay self-employment tax on W2 income?
No. Self-employment tax (15.3%) only applies to 1099/net business income. Your W2 wages already have FICA taxes withheld.
How much should I save for taxes on my 1099 income?
Save 25-30% of your 1099 net income for taxes.
Data source: IRS 2026 tax brackets and state revenue department publications. Last reviewed: 2026-07-05.