Oregon SE Tax Calculator

2026
Income & Business ▼
Gross Revenue
$0$250K$500K
Business Expenses
Home Office (sq ft)
Family & Dependents ▼
Filing Status
Children (< 17)
Other Dependents
Deductions & Credits ▼
Fed. Std. Deduction
OR Std. Deduction
Mortgage Interest
Charitable Giving
Clean Vehicle Credit
Investment & Retirement ▼
Long-Term Cap. Gains
Short-Term Cap. Gains
Other Investment Inc.
Dividends, interest (HYSA), rental income, etc.
Solo 401(k) Employee
Elective deferral. 2026 limit is $24,500 before catch-up contributions, limited by earned income.
Solo 401(k) Employer
Employer profit-sharing side. Shares employer contribution room with SEP IRA in this calculator.
SEP IRA
Employer contribution only. SEP and Solo 401(k) employer contributions share the employer-side room here.
Traditional IRA
Max $7,500 for 2026 before catch-up. You can still contribute with a Solo 401(k) or SEP, but deductibility may phase out.
MAGI Add-backs
Local Tax Rate (%)
Enter percentage (e.g., 0.8 for TriMet SE Tax). Applies to Net Earnings.
Health Insurance (ACA) ▼
Annual Premium Cost
SLCSP Benchmark
Your Plan Premium
Net in pocket
$0
Monthly take-home $0
Before retirement contributions $0
Total liability $0
Effective rate
0%
Marginal rate
0%
Net Business Income $0
AGI $0
Taxable Income $0
Federal ▼
Self-Employment Tax $0
Income Tax $0
0% Bracket $0 to next
Oregon ▼
Oregon Income Tax $0
Fed Tax Subtraction
Oregon allows subtracting federal tax liability up to ~$8,750 for 2026 (subject to income phase-outs).
 $0
Local / TriMet Tax $0
Due
Fed
State
Q1
Apr 15
Q2
Jun 15
Q3
Sep 15
Q4
Jan 15
0%
Paid vs Liability
$0 of $0
$0 remaining
TypeFedState
Annual Liability$0$0
Paid So Far$0$0
Under/Overpaid$0$0
Current Quarter Estimate$0$0
Combined Remaining$0
Safe Harbor Status
90% Current Year --
ACA Subsidy Status
2026 subsidy cliff

For 2026, this calculator treats 400% of FPL as a hard cutoff for premium tax credits.

0% of FPL
0% 400% FPL cliff
Status --
400% FPL limit $0
Distance from cliff $0 below
MAGI for ACA $0
SLCSP Benchmark $0
Est. Monthly Subsidy $0
Your Monthly Premium $0
Net Monthly Premium $0
Retirement Contribution Strategy

Plan what to fund now versus what to leave flexible until year-end. Solo 401(k) employee deferrals can be planned separately from employer-side contributions; Traditional IRA deductibility depends on final MAGI.

Fund now: Solo 401(k) employee

Entered$0
Estimated max$0
Remaining room$0

Employee deferral is usually the cleanest current-year lever because it does not consume employer-side SEP/Solo room.

Save for later: employer side

Solo employer entered$0
Estimated employer room$0
Room left$0

Employer-side funding is usually easier to finalize later when annual net earnings are clearer.

SEP IRA vs Solo 401(k)

SEP input statusAvailable
SEP-only max deduction$0
Solo max deduction$0

This planner favors Solo 401(k) once any Solo contribution is entered, because employee deferral plus employer room usually gives more flexibility than SEP alone.

Wait/check later: Traditional IRA

Entered$0
Deductible now$0
Non-deductible now$0

Traditional IRA deductibility may change with final MAGI, so waiting can prevent an accidental non-deductible contribution.

ScenarioRetirement fundedTax deductibleTotal taxTax savings

This calculator is for planning only. It is not official tax advice, does not file anything, and does not guarantee penalty avoidance.

Source / Status

Federal tax data Official
Oregon tax data Maintained
Tax year 2026
Last reviewed May 2026
Federal sources IRS, SSA
State sources Oregon DOR

Official means the value was checked against published federal guidance. Maintained means the app stores the current Oregon values directly and they should be rechecked when Oregon publishes new annual guidance.

Tax Year

  • Uses 2026 federal brackets, standard deductions, Social Security wage base, retirement limits, and ACA applicable percentages.
  • Uses Oregon-specific brackets, standard deduction, federal tax subtraction, and personal exemption credit values entered in the calculator config.
  • Assumes the user is an Oregon resident unless they manually adjust local tax assumptions.

Income

  • Gross revenue and business expenses are treated as full-year self-employment amounts.
  • Home office uses the simplified $5 per square foot method, capped at 300 square feet.
  • Long-term capital gains receive preferential federal rates; short-term gains are included in ordinary income.

Deductions

  • Federal deduction uses the larger of itemized entries shown here or the standard deduction input.
  • QBI is simplified to 20% of positive business income below the configured income threshold.
  • Solo 401(k) employee deferrals are modeled separately from employer profit-sharing contributions.
  • SEP and Solo 401(k) employer-side contributions share the employer contribution room in this calculator to avoid double counting.
  • Traditional IRA contributions may still be allowed with SEP or Solo 401(k), but deductibility phases out when covered by a retirement plan.

Payments

  • Quarterly estimates divide current annual liability evenly across four quarters.
  • Prior quarter catch-up compares the current combined quarterly estimate to the amount paid in the immediately previous quarter.
  • Safe harbor messaging only checks the 90% current-year target shown here; it does not model prior-year safe harbor or annualized income installment methods.

ACA

  • ACA subsidy estimates use MAGI from this calculator plus any MAGI add-backs entered by the user.
  • The subsidy estimate depends on user-entered SLCSP benchmark and plan premium values.
  • Marketplace eligibility, household details, Medicaid rules, and reconciliation edge cases are simplified.

S-Corp

  • S-Corp output is a rough comparison model, not a recommendation to elect S-Corp status.
  • Reasonable compensation is estimated mechanically and should be reviewed with a professional.
  • Admin costs are modeled as a fixed annual amount and may not match the user's actual payroll, bookkeeping, or filing costs.