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Taxes in Your Corner (1099, W-2, W-9, set-aside, quarterly)

Estimate your year of taxes, what to put aside from 1099 pay, quarterly payments, W-2 vs 1099 side by side, and plain answers about the forms

Taxes (Your Corner) is a free, private, spreadsheet-style estimate of one year of US taxes for touring work, made on your device. It is a planning estimate, not tax advice.

YOUR YEAR (left sheet): filing status (single, married filing jointly, head of household), the state you live in (or your own state rate as a percent), W-2 wages, 1099 pay, 1099 work costs, other income, and what's already paid (federal and state tax withheld from W-2 checks, quarterly payments made). Fill from my projects puts in the salaries of projects marked W-2 and this year's invoices to projects marked 1099 (set How they pay you on each project). Three examples load ready-made numbers.

WHAT IT COMES TO (right sheet): adjusted gross income, the 2026 standard deduction, the 20% qualified business income deduction (phased out for touring work at higher incomes), taxable income, then federal income tax, self-employment tax, additional Medicare tax and state income tax, the total for 2026, already paid, still to cover, your share of all pay and your top federal rate. The big number is how much of every 1099 dollar to put aside. Quarterly payments splits what's still to cover over the 2026 due dates left (April 15, June 15, September 15, January 15, 2027). Copy as spreadsheet and Download CSV take it all to Excel or Google Sheets.

W-2 OR 1099 SIDE BY SIDE: the same year paid both ways, take-home for each, and how much a 1099 job needs to match a W-2 salary, with what each way gives you (benefits are not given a dollar value).

TAX TALK FOR THE ROAD: plain answers: what a 1099, W-2, W-9 and W-4 are; self-employment tax; quarterly estimates and the safe-harbor rule; what 1099 workers can deduct; why W-2 job costs aren't deductible federally; how per diem is taxed; which state you pay (home state, states you work in, the nine with no wage tax); which is better, W-2 or 1099; LLC or S corporation; what records to keep.

LIMITS: uses 2026 federal figures (IRS Rev. Proc. 2025-32) and 2026 state rates where confirmed; for a state not yet confirmed it asks for your own rate. Leaves out credits, itemized deductions, retirement and health insurance deductions, local taxes and other income types. Check with a tax pro before filing.

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