No state income tax, brutal car insurance, seasonal demand. See what a Florida driver actually keeps.
Gross hourly
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Vehicle cost (72.5¢/mi)
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Self-employment tax
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Est. federal income tax
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FL state income tax
$0 — none!
Your TRUE hourly pay
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Tracking every mile is worth real money
At 72.5¢/mi, a driver logging 15,000 miles/year deducts $10,875 from taxable income. A mileage tracking app does it automatically. Compare mileage trackers →
How this calculator works
Your true hourly pay is what's left after costs the apps never show. We subtract vehicle cost at the 2026 IRS standard mileage rate of 72.5¢ per mile, then self-employment tax (15.3% on 92.35% of profit) and federal income tax at your bracket. Florida has no state income tax, so the state line in your results is $0.
Florida-specific costs to watch
Florida car insurance premiums are among the highest in the nation, and tolls add up fast in Miami and Orlando. The IRS 72.5¢/mi rate averages the whole country — for many Florida drivers it understates the true cost of a mile. Tolls paid while working are separately deductible on top of the mileage rate, so keep those receipts.
Season matters
Tourist season (roughly November–April) lifts demand in South and Central Florida; summer can be noticeably slower. Use My Log to track weeks across seasons and see your real annualized pace, not just one good week.
Gross $15–24/hour is common in Miami, Orlando, and Tampa, but after vehicle costs (72.5¢/mi) and 15.3% self-employment tax, realistic net is often $9–15/hour. High insurance costs and tolls mean Florida miles often cost more than the IRS average.
Do Florida gig drivers pay state income tax?
No. Florida has no state income tax. You still owe federal income tax and 15.3% self-employment tax on net profit of $400+, so set money aside each quarter.
Can I deduct tolls on top of the mileage rate?
Yes. Business tolls and parking are deductible in addition to the standard mileage rate, which only covers the cost of operating the vehicle itself.
Estimates for educational purposes only — not tax, legal, or financial advice. State rules and rates change; consult a tax professional about your situation.