The pay stub your side hustle never gave you.
Shuffo pulls every deposit from every gig into one place, splits it by rules you set once, and tells you how much is actually yours to spend.
Net pay, yours to spend Example
You earned $2,340.00 across 4 sources this month.
- Set aside for taxes
- −$515.00
- Saved
- −$234.00
* Estimate only. Not tax preparation. Ask a qualified tax professional.
The tax set-aside follows the rule you set, 22% of every deposit here (example). It is money you put aside, not a calculation of what you owe.
$1,591.00
Earnings
Every deposit, sorted by where it came from. Connect the apps, marketplaces, clients, and transfers that pay you, and Shuffo sorts each one by source.
Etsy deposits, example Sep 3 $142.00 Sep 17 $188.50 Sep 29 $105.50 Sorted by source: shop payouts from your Etsy account.
Split by your rule: −$96.00 tax, −$44.00 saved, $296.00 yours.
Client invoices deposits, example Sep 12 $900.00 Sorted by source: a direct-pay client, paid by bank transfer.
Split by your rule: −$198.00 tax, −$90.00 saved, $612.00 yours.
P2P transfers deposits, example Sep 5 $60.00 Sep 19 $91.60 Sep 26 $40.00 Sorted by source: peer-to-peer payments you marked as gig income.
Split by your rule: −$42.00 tax, −$19.00 saved, $130.60 yours.
- Gross4 sources, 11 deposits$2,340.00
Withheld by you
No payroll department withholds for you, so you set the rule once. Shuffo splits every deposit by it, and recalculates as income moves.
Your rule: 22% of every deposit goes to a tax reserve (example). 22% of $2,340.00 is $514.80, rounded to the dollar.
Estimate only. Not tax preparation. Ask a qualified tax professional.
Your rule: 10% of every deposit goes to savings (example). 10% of $2,340.00 is $234.00. The rest goes to everyday spending.
Net pay, yours
Take-home from your side hustles$1,591.00
Slow week, big week
The same rule on two very different weeks. A slow week doesn't break the split, and a big week gets its tax set aside before it gets spent.
Slow weekSep 22 to Sep 28Example
- Gross
- $258.40
- Set aside, tax
- −$57.00
- Saved
- −$26.00
- Net, yours
- $175.40
Big weekSep 8 to Sep 14Example
- Gross
- $1,064.30
- Set aside, tax
- −$234.00
- Saved
- −$106.00
- Net, yours
- $724.30
Quarterly estimate
Each quarter, Shuffo writes a plain-language tax estimate from the income it has seen and general self-employment rates, and sets it beside what you have put aside. It moves as deposits land. It is a guardrail, not tax preparation.
Jul to Sep(example quarter)
- Estimate, Jul to Sep
- $1,670to$2,500*
- Set aside so far
- $1,523
So far the set-aside is $147 under the low end of the range. The range moves as the rest of the quarter's income lands.
| July income | $2,180.00 |
|---|---|
| August income | $2,400.00 |
| September income | $2,340.00 |
| Jul to Sep net earnings, no expenses (example) | $6,920.00 |
| Self-employment tax: 15.3% of 92.35% of $6,920.00, which is $6,390.62 | $977.76 |
| Federal income tax: 10% to 22% of $6,920.00 | $692.00 to $1,522.40 |
| Estimate, Jul to Sep | $1,669.76 to $2,500.16 |
The rule: self-employment tax is 15.3% of 92.35% of net earnings, plus a federal income tax range of 10% to 22% of that income. These are general rates, not your return. Deductions, credits, state tax, and your real bracket change the number.
Shown by calendar quarter for the example. IRS payment periods run differently; see quarterly due dates.
* Estimate only. Not tax preparation. Ask a qualified tax professional.
Last updated Sep 29, after an Etsy payout.
The questions people search
Plain answers to what gig workers ask about taxes and income, then the one calculation Shuffo does for you. General information, not tax advice.
- Do I need to pay quarterly taxes for DoorDash, Uber, or Etsy?Guide
- What part of my freelance pay should go to taxes?Guide
- When are quarterly taxes due, and what if I miss one?Guide
- How do I track income from several apps in one place?Guide
- What counts as self-employment income?Guide
- What should I set aside each week?Set-aside calculator
