B9

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What tonight actually leaves you

Four hours at $20 is not $80 in your pocket. Gas, the instant cash-out fee and the tax nobody withheld come out of it — and the last one arrives months later, when the money is gone.

In your hand tonight

$65

$80 earned, minus costs and the fee

Set aside for tax

$10

Nobody withheld it for you

If you wait for the free transfer

$68

$3 more, a few days later

Every figure except the tax rate is yours: rates, costs and cash-out fees differ by app, city and day, and we will not guess them for you — the fee is shown in your app before you confirm. Tax set-aside uses the 15.3% IRS self-employment tax rate (September 2026) applied to earnings after costs; it is an estimate, not tax advice, and your own rate depends on your total income.

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