Quarterly Estimated Tax Calculator

Estimate what to send the IRS each quarter on freelance or business income.

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Amounts in dollars, for the 2026 tax year.
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Per quarter
Income tax
Self-employment tax
Total 2026 tax
Due dates
Safe harbor
Work

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How Estimated Tax Is Figured

Total tax = income tax (after deductions) + self-employment tax; quarterly payment = (total − withholding) ÷ 4

To avoid a penalty, pay at least the smaller of 90% of this year’s tax or 100% of last year’s (110% if last year’s AGI was over $150,000, or $75,000 married filing separately).

Worked Example

Tips

This estimate assumes the full 20% qualified business income deduction (limits apply at higher incomes and for some service businesses) and no other credits. State estimated tax is separate. Not tax advice; IRS Form 1040-ES has the worksheet.