The Complete Tax Guide for Self-Employed Professionals
Guides, calculators, checklists, and profession-specific resources to help every 1099 worker understand, track, and minimize their tax bill — all in one place.
Find the Resources Built for You
Whether you’rea freelancer managing multiple clients, a gig driver maximizing deductions, or a sole proprietor running a growing business — this hub has a guide built for your situation.
Freelancers
Gig Workers
Sole Proprietors
Independent Contractors
Small Business Owners
See Your Mileage Savings in Real Time
The Everlance mileage tracker runs quietly in the background, automatically detecting and classifying trips as you drive. Every mile is logged and ready to report.
Self-Employment Tax
Self-employed workers pay a 15.3% SE tax covering Social Security (12.4%) and Medicare (2.9%) because no employer splits this cost with them. It’s calculated on 92.35% of net earnings and filed on Schedule SE. The good news: you can deduct 50% of it from your gross income.
Complete SE Tax Guide →
Schedule C & Filing
Sole proprietors and single-member LLCs report business income and expenses on Schedule C, which attaches to Form 1040. Net profit flows to Schedule SE for the SE tax calculation. You must file and pay any tax owed by April 15, regardless of whether you request an extension.
Schedule C Guide →
Tax Deductions
Every ordinary and necessary business expense reduces your taxable income and your SE tax. The biggest deductions for most self-employed workers: the mileage deduction (72.5¢/mile in 2026), home office, health insurance, and retirement contributions. These appear on Schedule C.
Full Deductions Guide →
Quarterly Estimated Taxes
No employer means no automatic withholding. If you expect to owe $1,000+ in taxes for the year, the IRS requires four quarterly estimated payments due in April, June, September, and January. Missing them triggers an underpayment penalty — even if you pay in full by April 15.
Quarterly Tax Guide →
Business Expenses & Records
The IRS requires self-employed workers to keep records supporting every income item and deduction claimed. Essential records: bank statements, receipts, a mileage log, and 1099 forms. Keep them for at least 3 years from filing date (6 years if income was underreported).
1099 Expense Guide →
1099 Forms Explained
You’ll receive a 1099-NEC from any client who paid you $600+ directly, and a 1099-K from platforms (PayPal, Stripe, gig apps) for payments over $20,000 in 2025–2026. Important: you must report all income even if you don’t receive a 1099. The threshold determines reporting, not your tax obligation.
1099 vs. W-2 Guide →
Find the Resources Built for You
Not all self-employed tax situations are the same. These guides are tailored to how you actually work — not a generic one-size-fits-all overview.
First Year Self-Employed Tax Guide
Everything you need in year one, quarterly tax obligations, which deductions to track from day one, and the set-aside strategy that prevents an April surprise.
Complete Freelancer Tax Guide
Navigate multiple1099s, irregular project income, and freelance-specific deductions, from software subscriptions to coworking costs, through every step of filing.
Small Business Owner Tax Guide
The QBI deduction, Section 179 write-offs, and year-end planning strategies that significantly reduce taxable income for growing businesses before December 31.
Sole Proprietor Tax Guide
Covers Schedule C, self-employment tax, and the S-Corp election threshold, where restructuring your business structure starts generating meaningful annual tax savings.
Side Hustle Tax Guide
Have W-2 income plus side earnings? Understand when quarterly payments arerequiredalongside your employer’s withholding and which deductions apply to yoursideincome.
Gig Worker Tax Guide
Platform income, 1099-K forms, mileage as your biggest deduction, and the new No Tax on Tips benefit, everything delivery and rideshare workers need to file.
Calculate, Estimate, and Plan
These tools do the math so you don’t have to. Enter your numbers and get instant, accurate estimates — no spreadsheets required.
Self-Employment Tax Calculator
Net annual income
Filing status
W-2 income (if any)
Quarterly Tax Estimator
YTD net income
YTD expenses
Prior year tax (optional)
Mileage Deduction Calculator
Annual business miles
Tax bracket / income
Mileage Reimbursement and Compliance
For businesses that reimburse employees for vehicle use, a compliant mileage program isn't just good practice — it's essential for proper tax treatment and legal protection on both sides.
Accountable vs. non-accountable plans
Reimbursements paid under an IRS accountable plan are completely tax-free to the employee and fully deductible for the employer. Non-accountable plans treat the same payment as taxable wages, triggering payroll taxes on both sides and reducing the net benefit to the employee who actually drove the miles.
Fleet and team management
With Everlance for Teams, employees submit GPS-verified mileage reports directly through the app and managers receive a consolidated dashboard ready for payroll processing. There are no individual spreadsheets to chase, no manual calculations to check, and no delays — just accurate data flowing from the road to reimbursement.
Custom reimbursement rates
Everlance supports fully customizable per-mile reimbursement rates, giving businesses the flexibility to pay employees at a company-specific rate that reflects actual vehicle costs and local conditions — rather than defaulting to a one-size-fits-all federal benchmark that may not accurately represent what driving actually costs your workforce.
Documentation requirements
Under an IRS accountable plan, employees must submit a mileage log containing the date, start and end locations, miles driven, and the business purpose of each trip — all within a reasonable timeframe after the drive. Everlance generates fully compliant, GPS-verified reports automatically, eliminating the burden of manual documentation for employees and administrators alike.
Audit-ready records
Every trip logged through Everlance is GPS-verified and timestamped, creating an objective, dispute-proof record that holds up under IRS scrutiny or internal employer review. If any trip is ever questioned — whether during a tax audit or a payroll dispute — the full details are already documented and exportable on demand.
Seamless payroll integration
Everlance mileage reports export directly to popular payroll and accounting platforms in PDF or CSV format, so reimbursement data flows from the app straight into your financial workflows. No manual re-entry, no transcription errors, no paper forms to scan — just clean, accurate mileage data where your finance team needs it.
Every Deadline You Need to Know
Missing a deadline costs money. This calendar covers every important IRS date for 2026 — quarterly payment due dates, the annual filing deadline, and the extension cutoff.
Common Self-Employed Tax Questions, Answered
Clear, direct answers to the questions every self-employed worker asks — structured for featured snippets and AI search.
Stop Guessing. Start Tracking Every Deduction Automatically.
Everlance automatically tracks your mileage, categorizes business expenses, and generates the IRS-compliant records you need at tax time — all year, in the background.
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