Quarterly Tax Calculator
Self-employed and freelance income isn't taxed at the source, so the IRS expects quarterly estimated payments. Enter your expected net earnings to see self-employment tax and a per-quarter payment estimate.
To estimate quarterly tax, enter your expected net self-employment earnings and effective federal tax rate — self-employment tax, estimated federal tax, and the amount to pay each quarter are calculated instantly.
This is an estimate for planning only, not tax advice — confirm current-year IRS figures or consult a tax professional.
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How to use Quarterly Tax Calculator
- 1Enter your expected net self-employment earnings for the year.
- 2Enter your expected effective federal tax rate (last year's total tax ÷ income is a good estimate).
- 3Optionally add state tax rate and last year's total tax paid.
- 4See self-employment tax, total annual tax, and the amount due each quarter.
How self-employment tax is calculated
Self-employment tax covers Social Security and Medicare for the self-employed: 92.35% of net earnings is subject to 12.4% Social Security tax (up to the annual wage base) plus 2.9% Medicare tax, with an extra 0.9% Medicare surtax above $200,000. This is the standard IRS formula, unchanged for years.
The safe-harbor rule
Paying at least the lesser of 90% of this year's tax or 100% (110% if your income is over $150k) of last year's tax, spread evenly across the four quarters, protects you from an IRS underpayment penalty — even if your final bill ends up higher. Enter last year's tax paid to see this figure.
Frequently Asked Questions
Is this official tax advice?
No — this is a planning estimate only. Tax brackets, deductions and rules change yearly and depend on your full financial picture. Confirm figures with a tax professional or the IRS.
Why do I need to enter my own federal tax rate?
Federal brackets change yearly and depend on filing status, deductions and other income — using your own effective rate (last year's tax ÷ income) keeps this estimate grounded in your actual situation rather than a generic assumption.
Is my financial data uploaded anywhere?
No. Every calculator on this site runs entirely in your browser — nothing you enter is sent to a server.
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