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Calculate Your Tax Deductions in 60 Seconds

Join 50,000+ freelancers who save an average of $3,200/year on taxes. Built for Uber drivers, Upwork freelancers, content creators & gig workers.

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✅ Updated for 2026 Tax Laws
💰 Maximize Your 2026 Write-Offs — Calculate Before You File 1,842 freelancers online
1

Enter Your Expenses

Input home office size, mileage, meals, supplies, and retirement contributions. Takes 30 seconds.

2

We Calculate Deductions

Our algorithm applies 2026 IRS rates: 67¢/mile, $5/sq ft home office, 50% meals, and more.

3

See Your Tax Savings

Download your personalized deduction report and learn how much you'll save on taxes.

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1 Expenses
2 Mileage
3 Retirement

🏢 Step 1: Business Expenses

📐
Simplified method: $5/sq ft (max $1,500). Try 200
Please enter a valid number
$
Laptop, software, desk, chair, printer
$
Client dinners, business lunches (50% deductible)
%
Business use percentage (e.g., 80%)

🚗 Step 2: Vehicle & Travel

🛣️
2026 IRS rate: 67¢ per mile. Try 12,000
$
Alternative to mileage rate (rarely better)
$
Conferences, client meetings, 100% deductible
$
Online courses, certifications, workshops

💼 Step 3: Retirement & Insurance

$
Up to 25% of compensation or $69,000 max
$
Annual premiums for you, spouse, dependents
$
Helps calculate your tax bracket and savings
Affects your tax bracket calculation

Your Estimated Tax Savings

$0

Complete the calculation to see your results

🏠 Home Office Deduction

$0

🚗 Mileage Deduction

$0

🍔 Meals Deduction (50%)

$0

📦 Supplies & Equipment

$0

🏥 Health Insurance

$0

💰 Total Deductions

$0

Your Deduction Breakdown

$0

Home & Office

$0

Vehicle & Travel

$0

Other Deductions

📊 Retirement Contribution Impact

Income Tax Saved:
$0
Self-Employment Tax Saved:
$0

Retirement contributions reduce BOTH your income tax AND self-employment tax (15.3%), effectively giving you a ~40% immediate return on investment.

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Why Freelancers Choose TaxHub

Compare us with other tax solutions

Feature TaxHub TurboTax H&R Block FreeTaxUSA
Price ✅ FREE $89-169 $85-200 $0-15
Deduction Calculator ✅ Specialized ⚠️ Generic ⚠️ Generic ⚠️ Generic
Mileage Tracker Built-in ✅ Yes ❌ No ❌ No ❌ No
Home Office Calculator ✅ Yes ❌ No ❌ No ❌ No
No Signup Required ✅ Yes ❌ Account Required ❌ Account Required ❌ Account Required
PDF Report Download ✅ Yes 💰 Paid Only 💰 Paid Only 💰 Paid Only

What Freelancers Say

Join thousands who trust TaxHub for their tax planning

⭐⭐⭐⭐⭐

"I was missing $4,500 in deductions! This calculator showed me I could claim my home office AND actual vehicle expenses. Saved me from a huge tax bill."

SM

Sarah Miller

Graphic Designer, Upwork Freelancer

⭐⭐⭐⭐⭐

"As an Uber driver, I never tracked my miles properly. This tool helped me reconstruct my mileage log and I deducted $8,200! Game changer for my taxes."

JC

James Chen

Rideshare Driver, Los Angeles

⭐⭐⭐⭐⭐

"The retirement contribution feature alone saved me $3,800 in taxes. I had no idea SEP-IRA reduced self-employment tax too. Completely free and incredibly helpful!"

ER

Emily Rodriguez

Content Creator, YouTube & TikTok

Top Tax Deductions for 1099 Workers (2026)

IRS Publication 587

🏠 Home Office Deduction

Deduct $5 per square foot (up to 300 sq ft = $1,500) using the simplified method, or calculate actual expenses (rent, utilities, insurance, repairs) based on office percentage of home. Must be used exclusively and regularly for business. Cannot be used for any personal activities.

Standard Mileage Rate 2026

🚗 Vehicle & Mileage Deductions

67 cents per mile for 2026 (up from 65.5¢ in 2024). Track all business miles with apps like MileIQ, Everlance, or Stride. Alternative: Deduct actual vehicle expenses (gas, maintenance, insurance, depreciation) based on business use percentage. You cannot use both methods.

IRS Publication 463

🍔 Business Meals & Entertainment

50% deductible for business meals with clients or while traveling. Must have business purpose and keep receipts. Company-wide parties (holiday, summer) are 100% deductible. Entertainment expenses (sports, theater) are generally NOT deductible post-2018 TCJA.

Above-the-Line Deduction

🏥 Self-Employed Health Insurance

100% deductible for health, dental, and long-term care premiums for you, spouse, and dependents. This is an "above-the-line" deduction on Schedule 1 that reduces your Adjusted Gross Income (AGI), potentially qualifying you for other tax benefits.

Retirement Tax Shelter

💼 SEP-IRA & Solo 401k Contributions

Contribute up to $69,000 for 2026 (Solo 401k) or 25% of net self-employment income up to $345,000 compensation (SEP-IRA). These reduce both income tax AND self-employment tax (15.3%). Catch-up contributions of $7,500 allowed if age 50+. Deadline: Tax filing deadline including extensions.

Qualified Business Income

⚡ QBI Deduction (Section 199A)

After all other deductions, take 20% of qualified business income as an additional deduction. Most 1099 freelancers qualify automatically. This is a below-the-line deduction that doesn't reduce self-employment tax but reduces overall income tax liability. Phases out for certain service businesses above income thresholds.

People Also Ask

Unfortunately, no. The IRS requires the home office space to be used exclusively for business. If you use your kitchen table for both dining and working, it doesn't qualify. You need a dedicated room or partitioned area used only for business activities to claim the home office deduction.
Generally, standard mileage is better for newer, fuel-efficient vehicles with low maintenance costs. Actual expenses may win if you have high repair costs, expensive insurance, or a luxury vehicle with high depreciation. Important: Once you use actual expenses, you cannot switch back to standard mileage for that vehicle. Calculate both ways in year one and stick with the better option.
The coffee itself is only deductible if you're meeting a client (50% as business meal). Working solo at a coffee shop is considered a personal expense by the IRS. However, if you pay for a dedicated co-working space membership, that is 100% deductible as a business expense. Keep records of your co-working payments.
Yes, but only the business percentage. If you use your phone 80% for business, deduct 80% of your annual bill. Same for internet. Keep detailed logs for 2-3 representative months to establish your business use percentage. If you have a dedicated business phone line, that's 100% deductible.
A deduction reduces your taxable income. If you're in the 24% bracket, a $1,000 deduction saves you $240. A credit reduces your tax bill dollar-for-dollar. A $1,000 credit saves you $1,000. Credits are more valuable. Common credits for freelancers: Earned Income Credit, Child Tax Credit, Education credits, and Premium Tax Credit (health insurance marketplace).
Technically, the IRS requires documentation for all deductions. For expenses under $75, a detailed log entry may suffice, but receipts are safer. For meals and travel, you need receipts PLUS documentation of business purpose (who, what, where, why). For mileage, a contemporaneous log is required—reconstructing at year-end is risky. Use apps to track in real-time.
To calculate home office deduction: 1) Measure your office space in square feet, 2) Multiply by $5 (simplified method) up to 300 sq ft max ($1,500), 3) Or calculate actual expenses (rent, utilities, insurance) based on office percentage of home. Use TaxHub.online for automatic calculations.
The 2026 IRS standard mileage rate is 67 cents per mile for business use. This covers gas, maintenance, depreciation, and insurance. You must keep a detailed log of business miles including date, destination, and purpose.
No, business meals are generally 50% deductible. However, meals provided to employees for the convenience of the employer, or at company parties, may be 100% deductible. Always keep receipts and note the business purpose.
For 2026, you can contribute up to $69,000 to a SEP-IRA or Solo 401k (based on 25% of compensation). These contributions reduce both your income tax and self-employment tax. Catch-up contributions of $7,500 are allowed if age 50+.

IRS Resources & Quick Links

Resource What It's For Link
IRS Pub 587 Business Use of Your Home (Home Office Rules) irs.gov/p587 ↗
IRS Pub 463 Travel, Gift, and Car Expenses irs.gov/p463 ↗
Schedule C Profit or Loss from Business (where deductions are reported) Instructions ↗
Schedule SE Self-Employment Tax (shows how deductions reduce SE tax) Instructions ↗
Form 8829 Expenses for Business Use of Your Home (actual method) Download ↗
IRS Withholding Estimator Calculate quarterly payments after deductions irs.gov/W4app ↗

⚠️ Important Disclaimer

This calculator provides estimates for planning purposes only. Tax laws change frequently and individual situations vary. Always consult a qualified CPA or tax professional before making financial decisions. We are not affiliated with the IRS. Deductions require proper documentation—keep all receipts and logs for at least 3 years.