Quick answer
If you earn money as a gig worker or independent contractor, you owe income tax plus self-employment tax of 15.3% on net earnings for Social Security and Medicare, generally once net self-employment earnings reach $400. If you expect to owe $1,000 or more, make quarterly estimated payments, due in April, June, September and January. Deduct business expenses like mileage and supplies to lower the taxable amount.
Plan for it
- Set aside part of each payout. A separate savings account for taxes.
- Track expenses. Mileage log, phone use share, supplies, fees.
- Pay quarterly if needed. Use IRS Direct Pay or your online account.
- Report all income. Even without a 1099 form.
Common questions
Do I owe taxes if I did not get a 1099?
Yes. All income is reportable, with or without a form.
Can I deduct gas for delivery work?
You can use the standard mileage rate or actual car expenses for business miles, not both.
What if I missed estimated payments?
Pay as soon as you can to limit the underpayment penalty, and file on time.
Where these facts come from
- IRS: Gig Economy Tax Center
- IRS: self-employment tax
- IRS: estimated taxes
- IRS Announcement 2026-11: revised standard mileage rates
Sources checked October 10, 2026. Programs and rules change; confirm details with the agency or company before you act.
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