Utah Self-Employment Tax Calculator

Calculate your self-employment tax, federal income tax, and Utah state income tax as a freelancer or 1099 contractor. Utah has a flat income tax rate of 4.

Annual Tax Breakdown

1099 Income
$85,000
Business Expenses
-$10,000
Net Profit
$75,000
Net Earnings (92.35%)(SE tax base)
$69,263
Social Security (12.4%)
-$8,589
Medicare (2.9%+)
-$2,009
Total SE Tax
-$10,597
SE Deduction (50%)(reduces income tax)
$5,299
Federal Income Tax
-$6,794
State Income Tax
-$3,488
Total Tax Owed
$20,879

Summary

Total Income
$75,000
Total Taxes
-$20,879
After-Tax Income
$54,121
Effective Tax Rate(on total income)
27.8%

Quarterly Estimated Payments

Q1 (Jan-Mar)Due April 15
$5,220
Q2 (Apr-May)Due June 15
$5,220
Q3 (Jun-Aug)Due September 15
$5,220
Q4 (Sep-Dec)Due January 15 (next year)
$5,220
Each Quarterly Payment
$5,220

Tax Breakdown

See your complete freelancer financial picture

Your estimated quarterly tax payment is $5,220. Model your freelance income alongside expenses, savings, and investments in the full simulator.

Try the Full Simulator

Utah Tax Overview for Freelancers

Utah has a flat income tax rate of 4.65%. Utah also offers a taxpayer tax credit that effectively reduces the rate for lower earners. Self-employed individuals in Utah pay federal self-employment tax (15.3%) plus federal income tax, and Utah state income tax on their net self-employment earnings.

Flat 4.65% rateTaxpayer credit reduces effective rateGrowing 'Silicon Slopes' tech sectorHigh quality of life

Self-Employment Taxes in Utah

If you work as a freelancer or independent contractor in Utah, your tax situation involves multiple layers: federal self-employment tax, federal income tax, and Utah state income tax. Understanding how each component works helps you plan your quarterly estimated payments and maximize your deductions.

Utah Income Tax for Freelancers

Utah has a flat income tax rate of 4.65%. Utah also offers a taxpayer tax credit that effectively reduces the rate for lower earners.

Cost of Living for Freelancers in Utah

Utah's cost of living is about 3% above the national average, with the Salt Lake City area being moderately above. As a freelancer in Utah, your effective earnings depend not just on your tax rate but also on what your after-tax income can buy. Consider local costs for housing, coworking spaces, and daily expenses when setting your rates.

Financial Tips for Utah Freelancers

  • Utah's 4.65% flat rate is straightforward and competitive
  • Utah's growing tech sector (Silicon Slopes) offers competitive salaries
  • Utah's taxpayer credit can reduce your effective tax rate below 4.65%
  • Utah has a moderate cost of living with high quality of life metrics

Key Utah Tax Features

  • Flat 4.65% rate
  • Taxpayer credit reduces effective rate
  • Growing 'Silicon Slopes' tech sector
  • High quality of life

Model Your Utah Freelance Finances Over Time

This calculator shows your Utah tax bill. Trajectoryy's full simulator models your freelance income alongside expenses, savings, investments, and more — month by month for years into the future.

Start Simulating for Free

Compare Utah with Other States

Colorado4.4% top rateWyomingNo income taxIdaho5.8% top rateCalifornia13.3% top rateNew York10.9% top rateTexasNo income tax

Frequently Asked Questions

How is self-employment tax calculated in Utah?
Self-employed workers in Utah pay federal self-employment tax (15.3% on 92.35% of net earnings), federal income tax, and Utah state income tax. Utah has a flat income tax rate of 4.65%. Utah also offers a taxpayer tax credit that effectively reduces the rate for lower earners.
How much will I owe in quarterly taxes as a freelancer in Utah?
Your quarterly estimated tax payment in Utah depends on your total tax liability — including SE tax, federal income tax, and Utah state income tax. Use the calculator above to estimate your quarterly payments. As a general rule, freelancers should set aside 25-35% of their net income for taxes.
What business deductions are available for Utah freelancers?
Freelancers in Utah can deduct the same federal business expenses as in any state: home office, equipment, software, health insurance, vehicle expenses, and more. These deductions also reduce your Utah state taxable income, providing additional state tax savings.
Does Utah have any special taxes for self-employed workers?
Utah does not have a separate self-employment tax. However, your net self-employment income is subject to Utah's regular income tax (4.65% top rate) in addition to federal self-employment tax and federal income tax.
Should I form an LLC or S-Corp as a freelancer in Utah?
The decision to form an LLC or S-Corp in Utah depends on your income level. Generally, if your net self-employment income exceeds $50,000-$60,000, an S-Corp election may save you money by allowing you to pay yourself a reasonable salary (subject to FICA/Medicare) while taking the rest as distributions (not subject to SE tax). Consult a Utah tax professional for advice specific to your situation.

Related Calculators

Taxes

Take-Home Pay Calculator

Gross Income$65,000
Federal Tax-$7,462
State Tax-$2,384
FICA + Medicare-$4,973
Net Pay$50,181
Monthly$4,182/mo
sample data — click to try your numbers
Savings

Savings & Investment Growth Calculator

Starting$10,000
Monthly+$500
Return8%/yr
Contributions$190,000
Earnings$555,620
Final Balance$745,620
sample data — click to try your numbers
Retirement

401(k) Contribution Impact Calculator

Contribution$500/mo
Employer Match+$250/mo
Tax Savings$1,320/yr
Paycheck Impact-$390/mo
Real Cost$110/mo
30yr Growth$1,021,430
sample data — click to try your numbers