Terms & Conditions

1. Agreement

By using this site you accept these terms. If you do not accept them, do not use the site. They apply to every page and calculator here, including the role and state pages.

2. Not tax advice

Nothing on this site is tax, legal, accounting or financial advice, and nothing on it is a professional opinion. 1099TaxCalculator is not a CPA, enrolled agent, attorney or licensed adviser, and using this site does not create a professional, advisory or fiduciary relationship between you and 1099TaxCalculator.

The calculator estimates what you might owe. It does not prepare a return, does not file anything, and is not a substitute for advice from someone who knows your full circumstances. If you are unsure what you owe, consult a qualified tax professional before filing or paying.

3. What the calculator does and does not account for

The estimate is built from a small number of inputs: your gross receipts, your business expenses, and a single representative rate per state. A real liability depends on considerably more than that. In particular, these are not modelled:

• Itemised deductions, exemptions and the standard versus itemised comparison.
• Credits, including education, child and dependent care credits and the earned income credit.
• Other income, such as wages from an employer or income from a spouse.
• Capital gains or losses, and the different rates that can apply to them.
• Self-employment income from multiple trades, or a spouse filing jointly.
• Local and municipal income taxes, which exist in some states and are not included.
• State-specific rules: part-year residency, different treatment of certain income, state credits and deductions.
• Quarterly payments already made, so the figure shown is not reduced by them.
• Underpayment penalty exceptions and safe-harbour rules.

The quarterly voucher amounts are the annual estimate divided into four equal payments. The IRS does allow you to pay based on actual income so far, and if your income is uneven, paying evenly can leave you short in the quarter you earned most.

4. Accuracy of the figures, including an honest limitation

The federal figures on this site — the tax brackets, the standard deduction, the Social Security wage base and the payment due dates — are read directly out of documents published by the IRS and the Social Security Administration, and are updated when a published figure changes. Each page states which tax year it covers and when those documents were read.

The state income tax rates are different, and the difference matters. No federal source publishes US state income tax rates. Those rates were entered by hand, there is no automated check that they are still correct, and no review of them against a state revenue department has been recorded. They may be out of date, and the state portion of any total shown should be treated as unverified.

Every page carries that warning in its footer. We are stating it here as well because relying on an unverified figure because it was convenient would be a misuse of this tool. Confirm your state's rate with your own revenue department before acting on it.

We correct figures when we become aware they are wrong, and we change the data rather than quietly leaving a known error in place. We cannot promise that every figure is correct, only that we have tried to source the federal ones properly and have been explicit about the state ones.

5. No warranty

This site and everything on it are provided "as is" and "as available", without warranty of any kind, express or implied, including any implied warranty of merchantability, fitness for a particular purpose, accuracy or non-infringement.

We do not warrant that the site will be uninterrupted, error-free, or that any figure will be correct, complete or current. A tax figure that is wrong can cost you money in penalties, interest and fees. That risk is yours to assess.

6. Limitation of liability

To the fullest extent permitted by law, 1099TaxCalculator and anyone involved in operating this site will not be liable for any indirect, incidental, special, consequential or punitive damages, or for any loss of profits, income, data or goodwill, arising from your use of the site or your inability to use it.

This includes damages arising from relying on an estimate, from a figure being out of date or incorrect, from a state rate being wrong, or from following a link to another site.

7. Acceptable use

You agree not to:

• Use the site for anything unlawful.
• Scrape, crawl or bulk-copy the calculator pages at a rate that degrades the site for others. The individual pages are fine to read and link to.
• Republish the calculators or present them as your own product, or strip the attribution and source disclosures that make the figures trustworthy.
• Misrepresent the site's output as professional tax advice, or as the output of a licensed preparer.
• Attempt to disrupt the site or gain unauthorised access to it.

8. Intellectual property

The site design, code, and the text written for it belong to 1099TaxCalculator. The underlying tax figures are facts published by government agencies and are not claimed as ours. IRS and SSA forms and publications referenced here remain the property of those agencies.

9. Third-party links

Links to irs.gov, ssa.gov and other external sites are provided for convenience. We do not control those sites, are not responsible for their content or privacy practices, and do not endorse them. An external link is not an endorsement.

10. Changes to these terms

These terms may be updated. The date at the top of this page shows when the text last changed. Continuing to use the site after a change means you accept the updated terms. Material changes will not be made retroactively to affect a calculation you already made.

11. Contact

Questions about these terms can be sent tohello@1099-taxcalculator.com.