Estimate the self-employment tax on your net profit — Social Security plus Medicare — with the deductible half and a quarterly estimate.
Uses 2025 rates: 15.3% on 92.35% of net profit (12.4% Social Security up to the $176,100 wage base + 2.9% Medicare, no cap). Excludes the 0.9% additional Medicare tax on high earners and any income tax. Half of SE tax is deductible on your return. Not tax advice.
Employees split Social Security and Medicare taxes with their employer; the self-employed pay both halves — 15.3% total. It applies to 92.35% of net profit (a built-in adjustment that mirrors the employer-side deduction). Social Security stops at the annual wage base; Medicare has no cap. You can deduct half of the total on your income tax return.
SE tax = 15.3% × (net profit × 0.9235), Social Security capped at the wage base
Yes — SE tax funds Social Security and Medicare and is separate from federal income tax. Budget for both.
It's the equivalent of deducting the employer half before applying the tax, so the self-employed aren't taxed on money employees wouldn't be.
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Last reviewed: September 2026. Free to use, no signup — Self-Employment Tax Calculator by ToolWise Digital.
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