Tax Set-Aside Calculator
Nearly half of self-employed people don't consistently set money aside for taxes as they get paid. Log each payment here and see, right away, how much to move to a tax savings account.
To calculate what to set aside, log each payment with its amount and your combined tax rate — the amount to save and your real take-home are calculated instantly for each payment and totaled.
Log a payment to see how much to set aside for taxes.
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How to use Tax Set-Aside Calculator
- 1Set your combined tax rate (self-employment tax + your federal + state estimate).
- 2Log each payment as you receive it, with an amount.
- 3See exactly how much to move to savings and what's left to spend, per payment and in total.
Why per-payment, not just quarterly
Nearly half of self-employed workers don't set money aside consistently — by the time quarterly tax day arrives, the money's often already spent. Moving the tax portion to savings the moment you're paid is a far more reliable habit than doing the math once a quarter.
Picking your combined rate
Self-employment tax alone is roughly 15.3% of net earnings; add your expected federal and state income tax rates on top. Many self-employed people land around 25–35% combined — use the Quarterly Tax Calculator for a more precise annual estimate.
Frequently Asked Questions
How is this different from the Quarterly Tax Calculator?
The Quarterly Tax Calculator estimates your full annual tax picture for IRS quarterly payments. This tool is a fast, per-payment habit-builder — log what you got paid, see what to save, right now.
Where should I actually put the set-aside money?
A separate savings account you don't touch day-to-day is the simplest approach — this tool tells you the amount, not where to hold it.
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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