Calculate your federal, Ohio state, and Cincinnati local taxes on freelance and self-employment income. Free and accurate for 2026.
If you're a freelancer, independent contractor, or self-employed professional in Cincinnati, Ohio, understanding your tax obligations is crucial. Unlike W-2 employees who have taxes automatically withheld, 1099 workers are responsible for calculating and paying their own taxes throughout the year.
As a Cincinnati freelancer, you're required to make quarterly estimated tax payments if you expect to owe $1,000 or more in taxes. The IRS due dates are:
Missing these deadlines can result in underpayment penalties. WorkMade automatically calculates and can even pay your quarterly taxes for you.
Reduce your tax bill by tracking these common business expenses:
Freelancers in Cincinnati pay self-employment tax (15.3%), federal income tax (10-37%), Ohio state tax (3.99%), and Cincinnati local tax (2.10%). Total effective rate is typically 25-40% depending on income and deductions.
Yes, Cincinnati has a local income tax rate of 2.10%. Cincinnati has a 2.1% municipal income tax This is in addition to federal and state taxes.
Quarterly estimated tax payments for Cincinnati freelancers are due on April 15, June 15, September 15, and January 15 of the following year. These dates apply to federal taxes and most state taxes.
Cincinnati freelancers can deduct business expenses like home office costs, equipment, software, professional development, travel, and health insurance premiums. These deductions reduce your taxable income for federal, state, and local taxes.
Cincinnati has a 2.10% local tax which adds to your tax burden. However, the Cincinnati metro area offers many opportunities for freelancers. Consider the total cost of living and income potential when evaluating locations.
WorkMade tracks your income, finds write-offs, calculates quarterly taxes, and files your return. No spreadsheets required.
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