📅 Free Tool · 2026 Deadlines

QUARTERLY TAX
CALCULATOR
2026

Calculate exactly how much to pay each quarter. Never miss a deadline or pay an IRS underpayment penalty again.

⚠️ Missing quarterly payments costs 8% annual penalty
Tax deadlines calendar
Q1
April 15, 2026
Jan 1 – Mar 31
Q2
June 16, 2026
Apr 1 – May 31
Q3
Sep 15, 2026
Jun 1 – Aug 31
Q4
Jan 15, 2027
Sep 1 – Dec 31

📊 Your Income & Deductions

$
$
Deductions (reduces your quarterly payment)
$
67¢/mile — calculated automatically
$
$
Safe Harbor (optional)
$
From your prior year tax return — used for Safe Harbor calculation
$
Taxes already withheld from W2 paychecks

📅 Your Quarterly Payments

Annual Net SE Income
Annual SE Tax
Annual Federal Tax
Total Annual Tax
W2 Withholdings
Remaining to Pay Quarterly
Safe Harbor Options
90% of current year tax
100% of last year's tax
Pay the lower of the two to avoid underpayment penalties.
Underpayment Penalty if You Skip
~8% annual rate on underpaid amount
⚠️ This calculator provides estimates for educational purposes. Actual tax liability depends on your complete tax situation. Consult a CPA for precise quarterly amounts.
Step by Step

HOW TO PAY
QUARTERLY TAXES

01

Calculate your estimate

Use the calculator above. Enter your expected annual income and deductions to get your quarterly payment amount.

02

Go to IRS Direct Pay

Visit irs.gov/payments → "Make a Payment" → "Estimated Tax" → select current tax year. Free and instant.

03

Pay by the deadline

Q1: Apr 15 · Q2: Jun 16 · Q3: Sep 15 · Q4: Jan 15. Payments must be received — not postmarked — by the deadline.

04

Keep your confirmation

Save the IRS Direct Pay confirmation number. You'll need it when filing your annual return to prove the payment was made.

QUARTERLY TAX
MISTAKES

⚠️ Waiting until April to pay

Quarterly taxes are not "annual taxes paid early." The IRS charges an 8% annual penalty for each quarter underpaid. Pay each quarter on time — even if you'll overpay slightly.

⚠️ Not adjusting for income changes

Had a big month? Increase your next quarterly payment. Income fluctuates — your quarterly payments should too. Use this calculator monthly to stay accurate.

⚠️ Ignoring Safe Harbor

If you pay 100% of last year's tax (110% if income over $150K), you owe no underpayment penalty — even if you underpay by a lot. Enter last year's tax above to see your safe harbor amount.

⚠️ Forgetting state quarterly payments

Most states with income tax also require quarterly estimated payments. Check your state's revenue department website for deadlines and payment methods.

NEVER MISS A
QUARTERLY DEADLINE

Deadline Reminders

Email reminder 7 days before every quarterly deadline with your exact payment amount based on tracked income.

📊

Monthly Income Tracking

Log income and expenses monthly. Your quarterly estimate updates automatically — no manual calculation needed.

💬

Ask Tax Questions

Not sure about safe harbor or how to handle an unusual income month? Ask and get a specific, instant answer.

Frequently Asked Questions

QUARTERLY TAX
FAQ

When are quarterly taxes due in 2026?

Q1: April 15, 2026 · Q2: June 16, 2026 · Q3: September 15, 2026 · Q4: January 15, 2027. Pay through IRS Direct Pay at irs.gov/payments — free and instant.

Who needs to pay quarterly estimated taxes?

You must pay quarterly if you expect to owe at least $1,000 in federal taxes after withholdings and credits. This includes freelancers, gig workers, consultants, and anyone with significant 1099 income.

What happens if I miss a quarterly payment?

The IRS charges an underpayment penalty — currently about 8% annual rate on the underpaid amount. On $3,000 underpaid for one quarter, that is about $60. It adds up across all four quarters.

What is the Safe Harbor rule?

Pay at least 100% of last year's tax liability (110% if income exceeds $150,000) and you owe no underpayment penalty — even if this year's income is much higher. Enter last year's tax above to see your safe harbor payment.

How do I pay quarterly taxes?

Pay online through IRS Direct Pay at irs.gov/payments — select "Estimated Tax" and your tax year. Also payable by phone (1-800-555-4477) or mail Form 1040-ES with a check.

NEVER MISS A DEADLINE,
NEVER PAY A PENALTY

ClickTaxEasy sends you a reminder 7 days before every quarterly deadline with your exact payment amount.

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