2026 tax year · US · Updated June 18, 2026

Mercari Tax Calculator (2026)

If you resell on Mercari for profit, your gross sales are not what you keep or what you are taxed on. Enter your sales to see your real take-home after Mercari’s 10% selling fee, the cost of the items you sold, self-employment tax, and federal income tax.

Your numbers

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$
Gross Mercari sales for the year (before fees).

Mercari charges sellers a 10% selling fee (reinstated January 2025 after a brief no-fee period). Enter what you paid for the items you sold in the cost-of-goods field below. That is usually a reseller's biggest deduction.

$
Optional. Things you bought specifically for this work.
Tax situation (advanced)
$
Used to estimate your marginal income tax bracket. Default $0 if gig work is your only income.
Heads up: Select your state above to include state income tax. Otherwise this is a federal-only estimate.

Your real 2026 take-home

Gross Mercari earnings
$30,000
Mercari platform fee10.0% of gross
−$3,000
Net self-employment incomeWhat lands on your Schedule C
$27,000
Self-employment tax15.3% × 92.35% (Social Security + Medicare)
−$3,815
Estimated federal income taxIncremental tax from this SE income
−$899
True take-home
$22,286
True hourly rate1,250 hours/year
$17.83/hr
Effective take-home rateTrue take-home ÷ gross earnings
74%
Quarterly estimated paymentSE tax + federal income tax, divided by 4
$1,179

Mind the fee change, then mind your cost of goods

Mercari brought back a 10% seller fee on January 6, 2025, after a stretch in 2024 when selling was free for sellers. If you remember the no-fee period, your math is out of date: this calculator uses the current 10% fee. The buyer’s separate service fee does not touch your proceeds, so ignore it for your own taxes.

Your biggest deduction is the cost of goods sold: what you paid for the items you sold this year. Buy a console for $80, sell it for $150, and you are taxed on the profit, not the $150. Enter your total cost of goods in the expenses field above, and the calculator subtracts it along with the 10% fee before tax. Cost of goods counts only for items you actually sold, so unsold stock is not deductible yet.

Hobby seller or business?

Selling your own used belongings for less than you paid is not taxable, and the loss is not deductible, though you still report and back out a 1099-K if you get one. Reselling for profit is a business: net profit goes on Schedule C and is subject to self-employment tax once it reaches $400. Since 2025 the federal 1099-K threshold is back to more than $20,000 and 200 transactions, but several states report at much lower amounts. Because nothing is withheld, run your numbers through the quarterly estimated tax calculator and see the full reseller picture in our Poshmark and Mercari tax guide.

These are estimates, not tax advice. State income tax is included when you select a state (2026 single-filer brackets, excluding state standard deductions and local taxes). Unusual situations belong with a CPA.

Where these numbers come from

Take-home is computed as gross sales minus Mercari's 10% fee and your cost of goods, then minus self-employment tax, federal income tax, and state income tax where selected. The rates come from these primary sources:

Constants last verified against these sources on June 18, 2026. Every value is also pinned by an automated test suite that fails if a rate in the calculator drifts from the figure we transcribed from the source.

Frequently asked questions

What fees does Mercari take from sellers?
Mercari charges sellers a flat 10% selling fee on the item price plus any buyer-paid shipping. It reinstated this fee on January 6, 2025, after a brief period in 2024 with no seller selling fee, and removed the separate seller payment-processing fee at the same time. Buyers pay their own service fee, which does not come out of your proceeds and does not affect your taxable income. This calculator applies the 10% seller fee.
What can I deduct as a Mercari seller?
If you resell for profit, your largest deduction is the cost of goods sold: what you paid for the items you actually sold this year. Shipping supplies and any seller-paid shipping are deductible too, and Mercari's selling fee is a business expense that this calculator already subtracts as the platform fee. Enter your cost of goods in the expenses field above. Cost of goods counts only for items you sold, not unsold inventory.
What tax form does Mercari send, and at what threshold?
Mercari issues Form 1099-K. For 2025 and later the federal reporting threshold is more than $20,000 in gross sales and more than 200 transactions, after the One Big Beautiful Bill Act restored the pre-2021 figures. Several states use lower thresholds, so a 1099-K can arrive well below $20,000. Your income is taxable whether or not a form is issued.
I'm just selling stuff from around the house. Do I owe tax?
Usually not, if you are selling used personal items for less than you paid. Those sales are not taxable income, and the losses are not deductible, though you still report and back out a 1099-K if you receive one. The taxable case, and the one this calculator is built for, is buying inventory to resell at a profit, which is business income on Schedule C subject to self-employment tax.
Is Mercari income subject to self-employment tax?
If you are reselling for profit as an ongoing activity, yes. Net profit on Schedule C is subject to the 15.3% self-employment tax once it reaches $400 for the year, plus federal income tax at your bracket. Selling off personal belongings at a loss is not a business and does not trigger SE tax. The calculator above assumes the for-profit reseller case.
Do I have to pay quarterly estimated taxes?
If you expect to owe $1,000 or more in federal tax for the year, yes. The 2026 due dates are April 15, June 15, and September 15, 2026, then January 15, 2027. This calculator shows a suggested per-quarter payment based on your numbers.

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