Calculators / Income & taxes

What your side hustle really pays

Revenue is vanity. After materials, miles, fees and both taxes - divided by every hour including the unpaid admin - here is your actual wage. Nothing you type leaves this page.

$
$

Filament, packaging, parts - everything consumed making what you sold.

$

Etsy/eBay/Amazon take 6-15%; card processing about 3%.

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mi/mo
c/mi

70 cents is the 2025 IRS standard rate - update when the IRS posts the new year.

%

Side income stacks on TOP of your day job - the tax tool shows your rate.

hrs/mo

Your real hourly wage

Monthly profit before tax

Self-employment tax

Income tax

Take-home per month

Where each month's revenue actually goes

The arithmetic, line by line

How this is calculated

Profit = revenue - materials - fees - other costs - the mileage deduction (miles x the IRS rate, which also approximates your real vehicle cost). Then both taxes hit: self-employment tax at 15.3% of 92.35% of profit - the tax W-2 people never see because employers pay half - and income tax at your marginal rate, because side income stacks on top of your salary, not beside it.

real wage = (profit - SE tax - income tax) / all hours

The two lies side-hustle math usually tells

Counting only "making" hours - photography, listings, customer messages, packaging and the post-office run are hours too. And using average instead of marginal tax - your thousandth side-hustle dollar is taxed like your last salary dollar, not your first. Fix both and many hustles pay under minimum wage; the good ones prove themselves.

Notes

Half the SE tax is deductible against income tax (included). Hobby-loss rules, inventory accounting and state tax are not modeled. If profit clears about $1,000/yr, remember quarterly estimated taxes.