Quarterly estimated tax calculator
Self-employed? Estimate what to pay the IRS each quarter: income tax and self-employment tax on your expected profit, less anything withheld from a job.
Your 2026 estimate
An estimate for US federal tax only, with the 2026 brackets and the standard deduction. It doesn't include state tax, credits, other income or deductions such as retirement contributions or health insurance. It isn't tax advice; check with a tax professional.
About quarterly payments
Do I have to pay quarterly?
Usually, if you expect to owe $1,000 or more for the year after withholding and credits. Paying late or too little can mean a penalty.
When are the 2026 payments due?
April 15, 2026, June 15, 2026, September 15, 2026 and January 15, 2027.
How is this worked out?
Self-employment tax on 92.35% of your profit; then income tax on your profit and wages, less half the self-employment tax, the standard deduction and, below the income limit, the 20% qualified business income deduction. What's left after withholding is split into four payments.
Is there a simpler safe amount?
You generally avoid a penalty if your payments and withholding add up to 100% of last year's total tax (110% if last year's income was over $150,000), even if you owe more this year.
How do I pay?
Through IRS Direct Pay or your IRS online account, or by mail with Form 1040-ES.
Keep your profit up to date
Cloud Books keeps your invoices, bills and bank in one place, free, so your profit and loss is ready whenever a payment is due.