What Are You Actually Taking Home?
Platforms show your earnings. Your bank account knows the truth. Enter your numbers and see your real take-home per hour — fuel, insurance, other business costs, and estimated taxes included.
The two-minute check
Illustrative values — replace them with your actual numbers.
Quick Estimate
Eight numbers, two minutes. The result is a cash-flow estimate — it does not yet include insurance or other business costs.
Estimated Cash Remaining Per Hour
$23.64
$28,373 cash remaining · $1.01 per mile · after fuel and estimated taxes — before insurance and other business costs
IRS mileage deduction
$20,790
72.5¢ Jan–Jun · 76¢ Jul–Dec
Estimated taxable profit
$13,710
after mileage
Estimated taxes
$1,937
SE tax + federal income tax
The quick estimate leaves out insurance and other business costs. Add them for the fuller picture.
Where the money went
Started with $34,500 in earnings and tips — insurance and other business costs are not included yet.
- Fuel−$4,190
- Estimated self-employment tax−$1,937
- Estimated federal income tax−$0
- Estimated cash remaining$28,373
- Not subtracted here: maintenance, repairs, depreciation, and anything else you have not entered. This is a cash-flow estimate, not your complete economic profit.
Want the full picture on vehicle costs? Fuel, insurance, tires, depreciation, financing — broken down per mile and compared with the IRS rate.
Calculate My Actual Cost Per Mile →Opens your print dialog — choose “Save as PDF” for a GTQ-branded summary.
Numbers look worse than you hoped?
That is the point of running them. Most drivers can improve take-home with depreciation strategy, quarterly estimate tuning, and record-keeping that survives IRS matching.
Common questions
Why are my taxes estimated on mileage instead of my actual costs?
Most gig drivers take the IRS standard mileage deduction (72.5¢ per business mile for January–June 2026 and 76¢ from July 1) because it is simpler and usually larger than actual vehicle costs. Your tax bill follows that number — but your bank account feels the real costs. This calculator shows an estimated cash remainder based on the costs you enter. Expenses you leave out (insurance, maintenance, repairs) would lower your actual take-home further.
What is not included in this estimate?
State income tax, the QBI deduction, most tax credits, and other household income are simplified out; the qualified tips deduction applies only if you meet the 2026 requirements. Treat the result as a planning estimate, not a tax return. Book a consultation for numbers you can act on.
What vehicle costs should I enter?
The Quick Estimate covers fuel and your tax assumptions. For a fuller cash picture, expand the optional section and add the share of your insurance premium this driving should carry, plus extras like parking, tolls, and phone. For the full economic analysis — maintenance, repairs, tires, and depreciation — use our Vehicle Cost Per Mile calculator for a full breakdown; the standard mileage rate already bundles those on your tax return. Open the Vehicle Cost Per Mile calculator →
Estimates use 2026 federal figures: 72.5¢/76¢ split standard mileage rate, standard deductions of $16,100 (single), $32,200 (married filing jointly), $24,150 (head of household), and the $184,500 Social Security wage base. This calculator is general information, not tax advice for your specific situation.