Self-Employment Tax Calculator: Estimate Your 2025 Self-Employment Tax and Learn How to Reduce It
If you’re earning 1099 income, you’re responsible for both sides of Social Security and Medicare.
Use our Self-Employment Tax Calculator to estimate your 15.3% tax liability—and see how restructuring as an S-Corp or adding retirement plans could reduce your burden.
How it works
Enter Your Net Self-Employed Income
Input your profit after business expenses. This will be used to calculate your SE tax under 2025 IRS rules.
Add Optional Adjustments
Include things like retirement contributions or S-Corp salary (if applicable) to model different outcomes.
Review Your Estimated SE Tax
See exactly how much of your income will go to self-employment tax—and what you can do to reduce it legally.
Frequently Asked Questions
Who pays self-employment tax?
Anyone earning net income from 1099 work, freelance, or business activity. It covers Social Security and Medicare and applies even if you owe no income tax.
What’s the 15.3% rate based on?
It includes 12.4% for Social Security and 2.9% for Medicare. High earners may also be subject to the 0.9% additional Medicare tax.
Can I reduce my SE tax with an S-Corp?
Yes. If your business qualifies, switching to an S-Corp can reduce how much income is subject to self-employment tax. This calculator can help you compare outcomes.
What should I do with this estimate?
Use it to set aside money for quarterly taxes—or book a strategy call to see how much we could help you legally reduce.
Your Income Should Work for You—Not Just the IRS.
If you’re paying self employment tax without a strategy, you’re likely overpaying. We’ll help you build a smarter structure that keeps more in your pocket.
© 2025 Uncle Kam. All right reserved
Professional, licensed, and vetted tax advisors who will save you money.