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Gig & Rideshare Take-Home Pay Calculator 2026

DoorDash, Uber, Lyft, Instacart and other gig drivers are self-employed. The standard mileage deduction is usually the biggest tax break. The IRS raised the 2026 rate mid-year, so miles driven before and after July 1 are entered separately.

Gross gig earnings incl. tips (2026)Platform fees not already deductedOther business expenses (phone, bags, tolls…)Business miles Jan 1–Jun 30, 2026Business miles Jul 1–Dec 31, 2026Your actual car costs (gas, maintenance) — for real take-homeFiling status

Not tax advice. This calculator gives educational estimates based on 2026 federal rules published by the IRS and SSA. It ignores state taxes and many credits and special situations. Check with a tax professional or the IRS before filing or paying.
Last reviewed: October 29, 2026.

How we calculate it

Mileage deduction = miles from Jan–Jun × $0.725 + miles from Jul–Dec × $0.76 (IRS Notice 2026-10 and Announcement 2026-11). Taxable net profit = gross − fees − other expenses − mileage deduction. SE tax is calculated as in our SE tax calculator. Real take-home subtracts what your car actually cost, not the deduction, because the deduction is a tax number and not cash.

Worked example

Example: $40,000 gross, $1,000 expenses, 10,000 miles in each half of the year. Mileage deduction: $7,250 + $7,600 = $14,850. Net profit: $24,150.

FAQ

What is the 2026 IRS mileage rate for gig drivers?

72.5 cents per mile for business miles driven January 1–June 30, 2026, and 76 cents per mile from July 1, 2026.

Can I deduct gas on top of mileage?

No. The standard mileage rate already covers gas, maintenance and depreciation. Parking and tolls for business can be deducted separately.

Do tips count as gig income?

Yes, tips are taxable income. Qualified tips may be eligible for the new tips deduction; see our no-tax-on-tips calculator.

Sources

Last reviewed October 29, 2026 by the Self Employed Math editorial team against the sources above.