1099 Self-Employed Mileage Tax Savings Calculator (Schedule C & SE Tax)
Ten thousand eligible business miles split across 2026 can produce a $7,453 deduction. That is not $7,453 in cash back. Enter your miles and rates to see the difference between a deduction and a rough tax-effect illustration.
A Schedule C deduction reduces net business profit. That can affect income tax and, for eligible self-employed earnings, self-employment tax. The effect is not simply the headline deduction times a universal 37.3% rate.
The IRS rate table gives the cents-per-mile amounts. It does not decide whether a particular drive is deductible. Write down why the drive happened before relying on any calculation.
How this worksheet works
The worksheet uses the two 2026 mileage rates, then applies your chosen marginal rates and an approximate self-employment tax factor. Actual returns depend on the Social Security wage base, half-SE-tax deduction, qualified business income deduction, credits and other income.
Worked example
Rate-based deduction
$7,453.00
What it means
Less taxable profit, subject to your return
Keep the records behind the number
Keep a dated trip log with distance and a clear business reason. The calculator does not decide which drives qualify or which deduction method your vehicle can use.
72.5 cents per business mile for January 1 through June 30, 2026; 76 cents for July 1 through December 31, 2026.
Is this a tax deduction or cash back?
A deduction generally reduces taxable income. The amount shown here is not a refund or guaranteed tax savings.
Are my entries uploaded?
No. This worksheet runs in your browser. Download or print a copy if you want to keep it.
Does this worksheet prove my miles to the IRS?
No. Keep underlying dates, destinations, purposes, mileage records and receipts. Ask a qualified tax professional about your facts.
Drive every week?
Milevaro records trips you start with one tap and exports CSV or PDF reports. Every feature is free for 14 days; then $39.99/year or $3.99/month. Existing trips remain viewable and CSV export stays free if you do not subscribe.
Milevaro reports are records of trips logged by the user. They are not IRS-certified and do not guarantee a tax deduction. A deduction lowers taxable income; it is not direct cash back. The estimated deduction is business miles multiplied by a user-set rate and is an estimate, not tax advice. Consult a qualified tax professional.