2026 tax year · US · Updated June 18, 2026

Turo Tax Calculator (2026)

Hosting on Turo is a small car-rental business, and the gross trip income on your dashboard is taxed before Turo’s cut and your expenses come out. Enter your earnings to see your real take-home after Turo’s share, depreciation and costs, self-employment tax, and federal income tax.

Your numbers

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$
Gross trip earnings for the year, before Turo's cut.

Defaults to Turo's standard plan, where the host keeps 80% (Turo's cut is about 20%); higher-protection plans take a 10% to 40% cut. This is not mileage-based, so enter depreciation, the business-use share of insurance, cleaning, and maintenance as expenses below.

$
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 Turo earnings
$30,000
Turo platform fee20.0% of gross
−$6,000
Net self-employment incomeWhat lands on your Schedule C
$24,000
Self-employment tax15.3% × 92.35% (Social Security + Medicare)
−$3,391
Estimated federal income taxIncremental tax from this SE income
−$620
True take-home
$19,988
True hourly rate1,250 hours/year
$15.99/hr
Effective take-home rateTrue take-home ÷ gross earnings
67%
Quarterly estimated paymentSE tax + federal income tax, divided by 4
$1,003

Depreciation is the deduction that moves the needle

Turo hosting is not mileage-based the way rideshare is, because you are renting the car out rather than driving it for income. Your biggest write-off is usually depreciation: a share of the car’s cost spread over its useful life, prorated by how much of its use is for Turo. On top of that come the business-use share of insurance, cleaning and detailing, maintenance and repairs, Turo’s fees, and loan interest. Total those up and enter them in the expenses field above, and the calculator subtracts them before tax.

Schedule C or Schedule E?

This matters because it decides whether you owe the 15.3% self-employment tax. Most active hosts who clean the car, hand off or deliver keys, message guests, and handle upkeep are providing substantial services, which puts the income on Schedule C and subject to SE tax. A hands-off host who provides minimal services may report Schedule E rental income instead, which is not subject to SE tax. This calculator assumes the active-host case and applies SE tax, so if you run a genuinely passive listing, treat the SE-tax line as an upper-bound and confirm your filing with a CPA. Our Turo host tax guide works through depreciation and the Schedule C versus E question in full.

Turo reports your gross payouts on a Form 1099-K. Since nothing is withheld, run your numbers through the quarterly estimated tax calculator so the bill never surprises you. Renting a room or place instead? The Airbnb host tax guide walks through the same questions for short-term rentals.

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). Depreciation and the Schedule C versus E question are fact-specific; bring an unusual situation to a CPA.

Where these numbers come from

Take-home is computed as gross trip earnings minus Turo's cut and your business expenses, 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

Is Turo income subject to self-employment tax?
It depends on how hands-on you are. Most active Turo hosts provide substantial services (cleaning, key handoff or delivery, guest messaging, and maintenance), which the IRS treats as an active business reported on Schedule C and subject to the 15.3% self-employment tax. A truly hands-off host who provides minimal services may instead report Schedule E rental income, which is not subject to SE tax. This calculator assumes the common active-host case and applies SE tax. The IRS substantial-services test in Topic 414 is the dividing line, so confirm your situation with a tax professional.
What cut does Turo take from my earnings?
Your share depends on the protection plan you choose. The standard plan keeps 80% for the host, so Turo's cut is about 20%, and that is the default this calculator uses. Higher-protection plans take more (hosts keep 60% to 90%, a 10% to 40% cut). If your plan differs, you can instead choose the 'Other / mixed' platform and enter your actual net payout after Turo's cut.
What can I deduct as a Turo host?
The big ones are vehicle depreciation (often the largest deduction), the business-use share of your auto insurance, cleaning and detailing, maintenance and repairs, Turo's own fees, and loan interest or lease payments. Each is prorated by the percentage of the car's use that is for Turo rentals. Enter your total annual business expenses in the expenses field above; this calculator is not mileage-based, because you are renting out the car rather than driving it for income.
What tax form does Turo send, and at what threshold?
Turo issues Form 1099-K, not a 1099-NEC. For 2025 and later the federal reporting threshold is more than $20,000 in gross payments and more than 200 transactions, after the One Big Beautiful Bill Act restored the pre-2021 figures. Several states set lower thresholds, so you may receive one below $20,000. Your income is taxable whether or not a form is issued.
Why does this calculator not ask for mileage?
Because a Turo host earns by renting out a car, not by driving it for income, the IRS standard mileage deduction on your own driving does not apply the way it does for a rideshare or delivery driver. Your vehicle costs are captured through actual expenses instead: depreciation, the business-use share of insurance, maintenance, and cleaning. Put that total in the expenses field above.
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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