Moonlighting Tax Calculator
Estimate taxes on moonlighting income, including self-employment tax and per-shift set-asides.
Income and tax inputs
Optional itemized or additional deductions (standard deduction applied separately).
Used to estimate per-shift tax set-aside.
Results
Calculated in real time as you update inputs.
Per-Shift Tax Set-Aside
$756
Recommended reserve per moonlighting shift to cover federal, state, and SE tax
Federal Tax (est.)
$21,939
State Tax
$9,750
Self-Employment Tax
$4,590
Quarterly Estimated Payments
$9,070
Effective Tax Rate
24.2%
Explanation
Assumptions: SE tax applied at 15.3% of 1099 income; state tax uses a flat effective rate; federal tax uses simplified brackets with standard deduction by filing status plus your additional deductions. Does not account for QBI, tax credits, phaseouts, or retirement deferrals.
Quarterly payments are total estimated annual tax divided by four; actual safe harbor rules may differ.