True take-home pay calculator
Estimate what you keep after vehicle costs and simplified federal, self-employment and state taxes. Compare deductions without counting gas and standard mileage twice.
Your hours, driving and tax profile
Platform benchmarks come from the existing seven platform guides and represent sample-based observed trip pay, not guaranteed hourly earnings. Inputs are editable. Your actual online hours and gross payouts are preferable.
How this calculator models real earnings
First we compute gross receipts (hours × hourly pay), then subtract actual economic vehicle costs and other weekly business costs. Tax profit uses either the applicable standard mileage deduction or the entered actual-vehicle-cost approach; it does not subtract both. The model assumes 52 identical workweeks and splits miles evenly between the two halves of 2026. Use the mileage tool if your mileage was uneven.
The vehicle “wear reserve” may represent repair savings and depreciation; it is an economic estimate, not always a cash payment. For the actual method, enter the full eligible annual business-use vehicle expenses separately, including eligible depreciation or lease costs. Do not enter a generic wear reserve as a tax deduction. This total is used only for tax profit and is not subtracted from economic take-home again.
Primary references: IRS mileage rates · 2026 brackets · Pub. 505 (estimated tax) · QBI rules.
Example: a $1,000 gross week
At $25 per hour for 40 hours, gross receipts are $1,000. With 500 business miles, 27 MPG, $3.50 fuel, a $0.10-per-mile wear reserve, $35 monthly additional insurance and $15 other weekly costs, the economic costs are about $138 per week. With single filing, no other income, no state tax and simplified QBI, the standard-mileage scenario gives about $18.86 per hour. Your actual costs and tax situation may differ.
See calculation assumptions and source standards.