How to find my Social Security contribution amount from 1099 forms for self-employment?
I've been self-employed for the past 3 years and only receive 1099 forms, not W-2s. I'm trying to estimate my future Social Security benefits, but I can't figure out where to find how much I've actually contributed to Social Security each year. My CPA handles all my tax filings, and of course their office is closed today (Friday) when I need this information for a meeting with a financial advisor on Monday. Can someone tell me where on my tax returns I can find my Social Security contribution amounts? Is it calculated differently for self-employed people? I have copies of my tax returns but I'm completely lost trying to decipher them.
18 comments


Sean O'Donnell
For self-employed individuals, your Social Security contributions are part of what's called Self-Employment Tax (SE tax). On your tax return, look at Schedule SE - that's where your SE tax is calculated. It should be attached to your Form 1040. The total SE tax is 15.3% of your net earnings, with 12.4% going to Social Security and 2.9% to Medicare. So if you can find your SE tax amount, roughly 81% of that amount went to Social Security.
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StarSeeker
•Thank you! I found Schedule SE in my paperwork. So does that mean I'm paying both the employer and employee portions since the regular Social Security tax on W-2s is only 6.2%? That seems really high compared to what my friends with regular jobs pay.
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Zara Ahmed
ya ur paying both parts. when ur self employed u gotta pay the whole thing urself. but u can deduct half of it on ur taxes i think
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StarSeeker
•That makes sense but feels unfair! So I'm essentially paying double what W-2 employees pay? I never realized that was happening all these years.
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Sean O'Donnell
Yes, you're correct. As a self-employed person, you're paying both the employer and employee portions (12.4% total for Social Security). W-2 employees only see the 6.2% withheld from their paychecks because their employers pay the other 6.2% separately. But as the previous commenter mentioned, you do get to deduct half of your self-employment tax when calculating your income tax, which helps offset this somewhat.
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Luca Esposito
•And don't forget there's a cap on Social Security tax! For 2025, you only pay Social Security tax on the first $168,600 of earnings. Anything above that isn't taxed for Social Security (but Medicare tax has no cap).
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Nia Thompson
If you want to see your ACTUAL earnings history and what you've contributed, the best way is to create an account on my Social Security at ssa.gov. It shows your complete earnings record and estimates your future benefits. WAY easier than trying to piece it together from tax returns!
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StarSeeker
•I tried that already but I'm having trouble with the identity verification part. It keeps asking for information from a credit card I don't have anymore. That's actually why I'm trying to figure this out from my tax forms.
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Mateo Rodriguez
If you're having trouble accessing your my Social Security account, you can also call the SSA directly at 1-800-772-1213 to request your earnings history. However, as you probably know, getting through to a representative can take hours. I had the same issue last year and used a service called Claimyr (claimyr.com) that got me connected to an actual SSA agent in under 10 minutes instead of waiting for hours. They have a video showing how it works: https://youtu.be/Z-BRbJw3puU. The agent was able to verify my identity and send me my complete earnings record by mail.
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StarSeeker
•That's interesting - I hadn't heard of that service before. I might try that on Monday if I can't figure this out from my tax forms this weekend. I really need this information before I meet with my financial advisor.
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GalaxyGuardian
WHY is the SSA website so frustrating?!!!! I've been locked out of my account THREE TIMES and their phone lines are ALWAYS busy. And don't even get me started on trying to visit an office - appointment times are weeks out!!! It's like they WANT to make it impossible to access OUR OWN information!!!!!
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Aisha Abdullah
•I feel your pain. Their systems are definitely outdated. When I finally got through on the phone after waiting 1.5 hours, the agent told me they're upgrading their systems, but it's taking longer than expected. That was 2 years ago... still waiting for those upgrades lol.
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Luca Esposito
To directly answer your question: On your Form 1040, look at Schedule 2, Part I, line 4. That's your total Self-Employment Tax. Multiply that number by 0.81 (or 81%) to get the approximate Social Security portion. The remaining 19% is Medicare tax. For example, if your Schedule 2 shows $10,000 in SE tax, about $8,100 went to Social Security and $1,900 to Medicare.
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StarSeeker
•Thank you so much! I just found that line on my return. This is exactly what I needed. I appreciate everyone's help - I understand how my self-employment taxes work much better now.
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Zara Ahmed
my brother is self employed too and he said u should ask ur CPA about SEP IRA or solo 401k...he says u can put away more $ for retirement that way n reduce ur taxes at the same time
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StarSeeker
•That's a good point - I do have a SEP IRA that my CPA set up. I contribute the maximum each year. Actually, that's part of what I'm meeting with the financial advisor about on Monday - figuring out if I'm saving enough between that and my expected Social Security benefits.
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Aisha Abdullah
When I was self-employed, I found it helpful to create a spreadsheet to track my Social Security contributions each year. I used it to project my future benefits. One thing to keep in mind is that benefits are calculated based on your highest 35 years of earnings, adjusted for inflation. If you have fewer than 35 years of work, they'll use zeros for the missing years, which can significantly lower your benefit amount.
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StarSeeker
•That's a great idea about the spreadsheet. I'm 42 now and have been working since I was 22, but I had several years of very low earnings when I was first starting out. I'll have to factor that into my calculations.
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