Transportation & Logistics • Tennessee (TN)

1099 Uber, Lyft & Rideshare Driver 1099 Tax Calculator in Tennessee

Full-time and part-time rideshare drivers receiving 1099-K / 1099-NEC earnings from Uber, Lyft, and black car livery platforms. Estimate your federal 15.3% SECA tax, Tennessee state taxes, itemized Schedule C write-offs, and net take-home pay.

Income & Deductions

Tax Year 2026
$
15% of gross
$

✓ Tennessee has no state individual earned income tax.

Net Take-Home

After All Taxes

$35,645

$2,970/month

Total Taxes

Set Aside

$8,555

$713/month

Effective Tax Rate

Combined Rate

16.5%

Fed + State + SECA

Quarterly 1040-ES

IRS Voucher

$2,139

4 Equal Payments

Where Every Dollar of Your 1099 Revenue Goes

Take-Home (69%)
SECA 15.3% (12%)
Federal (4%)
State (0%)
Expenses (15%)

Itemized Tax Liability ScheduleIRS Form 1040 Schedule C & SE

Net Business Profit (Schedule C Line 31)$44,200
Self-Employment Tax (SECA 15.3%)SS + Med
$6,245
↳ 50% Above-the-Line SE Tax Deduction-$3,123
↳ Section 199A QBI 20% Pass-Through DeductionTax Relief
-$5,295
Federal Standard Deduction (2026)-$14,600
Federal Income Tax Liability$2,310
Tennessee State Income Tax (0%)$0
Total Annual Tax Obligation$8,555

Download a clean, printable 1040-ES voucher summary for your CPA or records.

Schedule C Write-Off Guide for 1099 Uber, Lyft & Rideshare Drivers

Standard Mileage Deduction

$8,000 – $22,000/year
  • IRS Standard Mileage Rate (67¢/mile) for All Online & Dispatch Miles
  • Airport Tolls & Highway Express Lanes
  • Downtown Parking Fees While Waiting for Fares

Vehicle Amenities & Passenger Supplies

$1,000 – $2,800/year
  • Car Washes & Interior Detailing Subscriptions
  • Bottled Water, Mints & Phone Chargers for Riders
  • Dual Dashcam (Front & Interior Facing) for Safety
  • Phone Mounts & Heavy-Duty USB-C Cables

Mobile Phone & Data

$600 – $1,400/year
  • Smartphone Monthly Cellular Plan (Business Usage Ratio)
  • Rideshare Driver GPS Apps & Navigation Subscriptions

Platform Fees & Commission Offsets

$3,000 – $10,000/year
  • Uber/Lyft Platform Service Fees Reported on Gross 1099-K
  • Commercial Rideshare Insurance Rider Surcharge

Interactive Tax Write-Off Auditor

Check off the business expenses you incurred this year to calculate your live estimated tax reduction.

1099 Uber, Lyft & Rideshare Driver Schedule C Write-Off Auditor

$9,850 estimated annual tax savings

4 of 9 common write-offs claimed.

Standard Mileage Deduction (30k Miles)

Category: Auto
~$5400/yr

Verified app miles driven while logged on searching for and transporting riders.

IRS Rule: Standard Mileage Rate (Rev. Proc. 2024-08)Audit Risk: Medium

Home Office Deduction

Category: Facilities
~$950/yr

Dedicated room or area in your home used regularly and exclusively for freelance client work.

IRS Rule: IRC Section 280A (Simplified $5/sq ft or Actual Expenses)Audit Risk: Medium

Self-Employed Health Insurance Premiums

Category: Healthcare
~$2400/yr

100% of medical, dental, and vision insurance premiums paid for yourself, spouse, and dependents.

IRS Rule: IRC Section 162(l) Above-the-line deductionAudit Risk: Low

Computers, Phones & Tech Gear

Category: Equipment
~$1100/yr

Laptops, secondary monitors, smartphones, and tablets used for business operations.

IRS Rule: IRC Section 179 / De Minimis Safe Harbor ($2,500 limit per item)Audit Risk: Low

Business Software, SaaS & Cloud Tools

Category: Software
~$700/yr

Monthly and annual subscriptions for project management, accounting, cloud storage, and AI tooling.

IRS Rule: IRC Section 162 Ordinary & Necessary ExpenseAudit Risk: Low

Vehicle Business Mileage

Category: Travel & Auto
~$1500/yr

Driving to meet clients, pick up supplies, or travel between client job sites at 67¢/mile.

IRS Rule: IRS Standard Mileage Rate (Rev. Proc. 2024-08)Audit Risk: Medium

Cell Phone & High-Speed Internet

Category: Utilities
~$450/yr

Business percentage of your monthly smartphone data plan and home fiber internet bill.

IRS Rule: IRC Section 162 (Proportional business use)Audit Risk: Low

Professional Courses & Certifications

Category: Education
~$400/yr

Conferences, certification renewals, online workshops, and books that maintain or improve your current skills.

IRS Rule: Treas. Reg. § 1.162-5Audit Risk: Low

Business Meals with Clients (50%)

Category: Meals
~$350/yr

Dining with prospective or active clients where substantial business discussions occur.

IRS Rule: IRC Section 274(k) (50% Limitation)Audit Risk: Low
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Tax Optimization Tips for 1099 Uber, Lyft & Rideshare Drivers in Tennessee

Tip #1:

Track your mileage from the moment you turn on the driver app until you turn it off—not just the miles when a passenger is in the car.

Tip #2:

Ensure you deduct Uber and Lyft’s platform commissions from your gross 1099-K amount, otherwise you will be overpaying taxes on money you never received.

Tip #3:

Keep receipts for car washes, floor mats, and interior detailing to maintain commercial cleanliness ratings.

Frequently Asked Questions

How much do 1099 1099 Uber, Lyft & Rideshare Drivers pay in taxes in Tennessee?

A 1099 1099 Uber, Lyft & Rideshare Driver in Tennessee earning an average of $52,000 pays 15.3% federal SECA self-employment tax on 92.35% of net profit, federal income tax (after 20% QBI deduction), and 0% state income tax. By maximizing Schedule C deductions, total effective tax can be reduced by 5%–12%.

What can a 1099 Uber, Lyft & Rideshare Driver write off on Schedule C in Tennessee?

Key write-offs include Standard Mileage Deduction, Vehicle Amenities & Passenger Supplies, Mobile Phone & Data, Platform Fees & Commission Offsets, home office square footage, health insurance, and profession-specific gear and software tooling.

Should a 1099 Uber, Lyft & Rideshare Driver in Tennessee form an LLC or elect S-Corp?

If your net business profit exceeds $80,000/year, electing S-Corp status can save you $6,000–$14,000+ annually in self-employment taxes in Tennessee, even after accounting for payroll software and corporate tax filing costs (Annual report fee minimum $300 ($50 per member, up to $3,000 max).).