Compute your SE tax. Pay less by knowing the rules. Self-employment tax calculator for Airbnb and STR hosts on Schedule C. Schedule SE-ready, deduction-half built in. Editable Excel. Most STR income is rental income — Schedule E — and rental income does NOT trigger self-employment tax. But if you provide substantial services (daily cleaning, meals, concierge, transportation), the IRS reclassifies you as running an active business. That triggers Schedule C. And Schedule C income is subject to a 15.3% self-employment tax on top of regular income tax. If you’re not sure which schedule applies, that’s the FIRST tab of this workbook. If you know you’re Schedule C, the rest of the tabs compute your SE tax cleanly — including the 50% above-the-line deduction most hosts miss. WHAT’S INCLUDED 📋 Schedule E vs C Decision Tab · The substantial-services test (cleaning during stay, meals, transportation) · Material-participation thresholds (100+ hours / 750+ hours) · STR loophole (avg stay ≤ 7 days) interaction · Routes the workbook accordingly 📋 SE Tax Calculator · Net SE earnings × 92.35% (the SE adjustment) · 12.4% Social Security portion (capped at the wage base) · 2.9% Medicare (uncapped) · 0.9% Additional Medicare (over $200K single / $250K MFJ) · Total SE tax — bottom-line dollar amount 📋 50% SE Tax Deduction (above the line) · Half of your SE tax is an above-the-line deduction · Reduces your AGI, which reduces income tax · Most hosts miss this — auto-computed here 📋 Solo 401(k) / SEP IRA Worksheet · Active-business hosts can shelter up to ~$70K/yr in retirement · SE tax math feeds the contribution limit calculation · Decision: Solo 401(k) (employee + employer) vs SEP IRA (employer only) 📋 Quarterly Estimated SE Tax · Stack with TAX-005 quarterly tax — SE tax flows in · Avoid underpayment penalty on the SE side
Related
- Quarterly Estimated Tax Calculator
- Schedule C Tax Prep Workbook (Active STR)
- Home Office Deduction Allocator
- Schedule E vs Schedule C for your Airbnb: it’s not a preference, it’s a test
- The Schedule E Workbook
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