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Quarterly estimated tax calculator

Estimate what to pay each quarter on 2026 self-employment income, using the 2026 brackets and the safe harbors that keep you clear of underpayment penalties.

Updated · General information, not tax advice

Filing status
Income minus business expenses and mileage.
Form 1040, line 24. Adds the prior-year safe harbor.
Suggested quarterly payment$2,708
Self-employment tax
$8,478
Income tax
$3,559
Estimated 2026 federal tax
$12,037
90% of 2026 tax ÷ 4
$2,708
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How this estimate works

  • Self-employment tax is 15.3% of 92.35% of your profit: 12.4% Social Security up to the $184,500 wage base (less any W-2 wages) and 2.9% Medicare.
  • Income tax uses the 2026 brackets and standard deduction ($16,100 single, $32,200 joint), after deducting half of self-employment tax.
  • The QBI deduction is simplified to 20% of profit, limited to 20% of taxable income. It phases down for some businesses at higher incomes.
  • The suggested payment is the smaller safe harbor: 90% of this year’s tax, or 100% (110% for higher incomes) of last year’s, less withholding, split into four.
  • It leaves out credits, state tax, the 0.9% additional Medicare tax, and other deductions. Treat it as a starting point.

Payments are due April 15, 2026, June 15, 2026, September 15, 2026, January 15, and 2027. Read the quarterly taxes guide for who has to pay and how.

Estimates only, not tax advice. Figures from Rev. Proc. 2025-32 and the SSA’s 2026 wage base.

GuideQuarterly estimated taxesEstimated tax due dates for 2026 (April 15, June 15, September 15, January 15, 2027), who has to pay, and the safe harbors that avoid underpayment penalties.GuideSchedule C categoriesEvery Schedule C expense line from advertising (line 8) to other expenses (line 27b), with examples of what goes where and the lines people most often get wrong.Free toolMileage deduction calculatorCalculate your 2026 business mileage deduction with both IRS rates (72.5¢ through June 30, 76¢ from July 1), plus 2025 and 2024, and estimate the tax it saves.Who it’s forFreelancers & consultantsCapture software subscriptions, equipment, client meals, and travel as they happen. spentr keeps freelance receipts and mileage organized for Schedule C.
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