Gig / 1099 worker paycheck
Gig income usually arrives without withholding. You owe self-employment tax (both halves of FICA) and quarterly estimates.
Common deductions
- Estimated quarterly tax (self-paid)
- Self-employment tax (on Schedule SE)
Pay quirks
- No W-2
- No employer FICA match
- Self-employment tax 15.3% on net earnings
- Quarterly estimates
Questions worth asking payroll
- Have I set aside enough for quarterly tax?
- Am I tracking deductible business expenses?
Official sources
- IRS Publication 15 (Circular E), Employer's Tax Guide — IRS · 2025 · last verified 2025-04-01
- U.S. DOL — Overtime Pay (FLSA) — DOL · last verified 2025-04-01
- U.S. DOL — Fact Sheet #17A: Exemption for Executive, Administrative, Professional employees — DOL · last verified 2025-04-01
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