What you keep after tax and the gig tax.

Pick a state, a wage, and W-2 or 1099. The keep rate uses the same state table as Gig Keep and freelance tax drag. Educational. Not a filing engine.

Last verified 2026-08-14.

W-2 uses 7.65% FICA, a 12% federal stand-in after $15,000, plus the state top rate. 1099 subtracts 8 mi/hr × 70¢ then SE tax and state. Confirm with a CPA before you act.