Fiverr and Upwork income is self-employment income. Calculate your true take-home after platform fees and taxes.
TurboTax Self-Employed handles Schedule C, 1099-NEC, platform income, and every creator deduction automatically. Guaranteed max refund.
File with TurboTax Self-Employed →1099-K from platforms: Fiverr and Upwork send a 1099-K when you earn $5,000+ (2026 threshold). But ALL income is taxable even below the threshold.
Platform fees ARE deductible: The 20% Fiverr fee is a legitimate business expense deductible on Schedule C. Your 1099 shows gross earnings — deduct the fee separately.
Move high-value clients off-platform: At $10k+ with a client, Upwork drops to 5% fee. Direct relationships (after Upwork's required period) have no fee — but review terms carefully.
Retirement accounts reduce taxes: A Solo 401(k) lets you contribute up to $69,000/year (2024). Use our Solo 401(k) calculator to see how much you can shield from taxes.
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