Free tool

Net pay calculator for gig workers

Apps advertise gross hourly. Your spendable rate is lower once miles and self-employment tax show up. Use this estimator, then lock in mileage tracking and a tax set-aside so April is not a surprise.

Estimate your real hourly pay

Platform apps show gross. This estimate subtracts the IRS standard mileage rate (defaults to the 2026 second-half rate of $0.76/mi; the Jan–Jun rate is $0.725) and an approximate self-employment tax bite. For an exact split-rate deduction, use the mileage deduction calculator.

Gross earnings per hour ($) Business miles per hour IRS mileage rate ($/mi) SE tax rate (%)

Estimated net

$0.00/hr

Gross$0.00
Mileage cost−$0.00
Est. SE tax−$0.00

Simplified model for education. Actual Schedule C, insurance, and local taxes differ. Confirm the current IRS mileage rate before filing.

Track miles with Everlance Compare Gridwise Set aside tax with Found →

What to do with the number

If mileage cost eats most of your gross, audit acceptance rate and deadhead miles — or switch markets/hours.
Log every business mile automatically so your deduction matches reality at tax time.
Move ~25–30% of net into a tax bucket the same day you get paid.