Want to keep $75k? Here's what you need to gross.
Skip the hourly math — enter the after-tax number you want in your pocket and your annual expenses. We solve for the gross revenue that gets you there.
Rates and assumptions last updated: July 2026. Sources & methodology
What you want to keep
What should land in your pocket after federal tax and business expenses.
To net $75,000 after ~$21,209 in federal tax.
- Self-employment tax
- $13,594
- Federal income tax
- $7,615
- Business expenses
- $5,000
- Effective rate on gross
- 21%
Annual reverse calculation — no hourly math. Uses 2026 federal brackets, single filer, standard deduction. Pad for state tax and slow months.
How this is calculated
We binary-search for the gross 1099 income that produces your target take-home after real 2026 self-employment tax, federal brackets, standard deduction, and QBI deduction. Business expenses reduce what you need to collect but also reduce taxable profit.
Use this when you plan annually — how much to invoice this year — rather than setting an hourly rate. Pair it with the hourly or consulting calculators if you need a per-unit price.