Mileage Deduction Calculator 2026
IRS standard mileage rates for 2026: 72.5¢/mile (Jan–Jun) and 76¢/mile (Jul–Dec) for business. See your deduction and real tax savings.
Rate: 72.5¢/mile (Notice 2026-10).
Rate: 76¢/mile — record high (IRB 2026-29).
20.5¢/mile (H1) and 23.5¢/mile (H2). Only relevant if you itemize.
For 1099s the deduction also cuts self-employment tax, so the real saving is ~1.15× the income-tax saving.
What is the IRS mileage rate for 2026?
2026 is a split-year rate year. Business miles driven January–June are deductible at 72.5 cents per mile (Notice 2026-10); from July 1 the rate rose to 76 cents per mile, a record high (IRB 2026-29). Medical and moving miles: 20.5¢ then 23.5¢. Charitable driving stays at 14¢ (set by statute §170(i)). You must split your mileage log at June 30 — many trackers still quote the old annual rate, which underpays your H2 miles.
How much does the mileage deduction save in 2026?
The deduction equals miles × rate, and the saving is deduction × your tax rate. At 12,000 business miles and a 22% bracket the deduction is $8,945 and saves about $1,968 in income tax. For 1099s the deduction also lowers self-employment tax, so the real saving is roughly 24–25% of the deduction at a 22% bracket — about $2,260 on the same miles.
Can W-2 employees deduct mileage in 2026?
No. The TCJA suspended unreimbursed employee business expenses and the One Big Beautiful Bill Act (2025) made that permanent. The only tax-free route for W-2 employees is reimbursement from an employer under an IRS-accountable plan (now 76¢/mile). Armed Forces reservists, qualified performing artists and fee-basis officials keep their deductions.
Standard mileage rate or actual car expenses?
The standard rate bundles gas, depreciation/lease, insurance and maintenance — you cannot add separate fuel or repairs on top. The actual method uses real costs plus depreciation (or Section 179 for the first year). You choose per vehicle per year; EVs qualify for the standard rate. Either way a contemporaneous log — date, destination, business purpose, odometer — is required (Pub 463).
What counts as a deductible business mile?
Client visits, meetings, travel between work locations, supply runs — anything directly tied to your business. Ordinary commuting from home to your principal workplace does NOT count. Gig drivers (Uber/Lyft/DoorDash) can deduct nearly all driving between trips, including miles while a passenger is in the car.
Disclaimer
Indicative estimate based on the rules in force on the verification date. This is not tax advice: always confirm with the tax authority, social security office or your accountant, because your own case may involve allowances, deductions or deadlines.
- Data verified on
- 21.10.2026
How to BECOME
Register with the social security authority for your country and apply for the reduced starter rate if you qualify. The contribution base can be changed 6 times a year.
How to become self-employedHow to become self-employed: step by step
Six steps with the real deadlines and the official links. Order matters: the registration date is what opens the window for the reduced rate and the VAT threshold.
Two questions decide your structure before you invoice anyone. First, IR35: if your client ends the contract and pays a substitute worker, the client checks your status. If your own limited company is between you and the client, that client is outside IR35 — but clients do check. Second, VAT: you must register if your turnover exceeds £90,000 in any 12 months (from 1 April 2025) — the registration threshold is not a tax allowance.
gov.uk — VAT registration threshold →
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