W-2 and 1099 in the same year?
Here's what you actually* owe.
You did 6 gigs on payroll and 14 as a contractor. Some paid a day rate, some ran through payroll.
This calculator helps you work out what to hold back from the 1099 side, and when to send it.
Built for camera ops, utilities, A2s, grips, stage managers and stylists.
Anyone who works gig to gig and gets paid both ways.
| Your total federal tax this year | $10,216 |
|---|---|
| Safe-harbour target 90% of this year | $9,194 |
| Already withheld | −$0 |
| Still to pay through estimates | $9,194 |
Withholding is credited against your whole federal bill, not just the 1099 part. Your W-2 income's own share of that bill is about $3,220, so anything you've withheld beyond that is already working against the 1099 side.
You don't need to make quarterly payments at all. Withholding counts as paid evenly across the year whenever it actually came out, so topping up your W-4 on a staff gig can cover 1099 work you did months earlier. You'll still settle up at filing.
Quarterly payments below stay at your true estimate. The extra 0% cushion is money you keep, not money you send.
What makes it up
| Self-employment tax | $4,239 |
|---|---|
| Social Security | $3,435 |
| Medicare | $803 |
| Federal income tax | $2,757 |
| State income tax | $0 |
What to pay, and when
| Quarter | Due | W-2 | 1099 | To the IRS | To state |
|---|---|---|---|---|---|
| Q1 Jan – Mar | 04/15/26 | $11,250 | $7,500 | $1,749 | $0 |
| Q2 Apr – May | 06/15/26 | $11,250 | $7,500 | $1,749 | $0 |
| Q3 Jun – Aug | 09/15/26 | $11,250 | $7,500 | $1,749 | $0 |
| Q4 Sep – Dec | 01/15/27 | $11,250 | $7,500 | $1,749 | $0 |
Two payments, two agencies. The IRS column goes to the IRS on the dates above. The column goes to your state, and state due dates are set by the state, so they don't always match these. Check yours before you send.
Worked more in some quarters than others? Switch to for a schedule that matches.
Social Security stops at $184,500 of combined income, and W-2 wages fill that first, so most of your 1099 income only owes the 2.9% Medicare share. That saves you $0 against a calculator that charges 15.3% on everything.
* An estimate for 2026 using published IRS figures, not tax advice. State tax is a flat-rate approximation. Talk to an accountant before you file.