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Personal Trainer Tax Calculator

Estimate your 2026 taxes as a 1099 Personal Trainer. Track certifications, insurance, and equipment costs. Updated for the 2026 Tax Season.

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Saves you $0 in taxes
California Tax Rate: 9.3%

Common Deductions for Personal Trainers

Certification & CEUs

Training renewals, continuing education, and exam fees.

Liability Insurance

Coverage for training clients and sessions.

Fitness Equipment

Bands, mats, weights, and portable gear used for sessions.

Gym/Studio Rent

Rental fees paid to train clients in a facility.

How to file taxes as a Personal Trainer

As a Personal Trainer, you are likely classified as an independent contractor (1099). This means taxes are not automatically withheld from your paychecks. You are responsible for paying:

  • Self-Employment Tax: 15.3% (Covering Social Security and Medicare)
  • Federal Income Tax: Based on your tax bracket
  • State Income Tax: Depending on where you live

The good news is that you can lower your taxable income by deducting "ordinary and necessary" business expenses. Use the list above to find write-offs specific to the Health & Wellness industry.