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Quarterly estimated tax calculator (2026)

The IRS wants tax as you earn it. Turn your expected annual self-employment profit into a per-quarter payment, with the real 2026 and 2027 due dates.

For self-employed and 1099 earners planning the four estimated tax payments they owe across the year.

By ReceiptLine Editorial TeamUpdated

How the math works

What this calculator does

  • Self-employment tax is computed from your expected net profit using the 2026 Schedule SE figures.
  • Taxable income is approximated as net profit minus the deductible half of SE tax.
  • Federal and (optional) state income tax apply your chosen rates to that taxable income.
  • The three are added and divided by four to give the amount to send each quarter.

The 2026 estimated-tax due dates

Estimated tax for the 2026 year is generally due in four installments: April 15, 2026, June 15, 2026, September 15, 2026, and January 15, 2027. If a date falls on a weekend or holiday, it shifts to the next business day. Paying evenly across the four dates keeps you clear of an underpayment penalty in most cases.

Safe harbor keeps the penalty away

You generally avoid an underpayment penalty if you pay at least 90% of the current year's tax or 100% of last year's tax (110% if your prior-year adjusted gross income was over $150,000), whichever is smaller. Because this tool estimates the current year only, the safe-harbor route using last year's return is often the simpler target — confirm your figures with a professional.

Common questions

FAQ

When are 2026 quarterly taxes due?

April 15, 2026; June 15, 2026; September 15, 2026; and January 15, 2027, with weekend/holiday dates shifting to the next business day.

What happens if I skip a quarter?

You may owe an underpayment penalty and interest, even if you pay the full amount at filing. Paying each quarter — or meeting a safe harbor — avoids it.

Does this include state estimated tax?

It can. Enter your estimated state income-tax rate and the tool adds a state portion; leave it at 0 for states with no income tax.

Quarterly estimated tax calculator for 1099 income (2026)

Leave at 0 for no-income-tax states.

Set aside per quarter
$3,160
2026 due dates — April 15, 2026 · June 15, 2026 · September 15, 2026 · January 15, 2027.
Estimated tax for the year
$12,641
Self-employment tax + estimated federal & state income tax.
Self-employment tax portion
$7,065
Income tax portion (fed + state)
$5,576
Safe harbor
Avoid the penalty
Paying 100% of last year's tax (110% at higher income), or 90% of this year's, generally avoids an underpayment penalty.

A clean monthly export makes each estimated payment a five-minute job.

Estimates only, using published 2026 IRS and SSA figures. This is general information, not tax, legal, or financial advice, and it is not reviewed or approved by a tax professional. Your actual tax depends on your complete facts — other income, deductions, credits, state rules, and the final current-year law. Confirm your situation with a qualified professional (CPA or enrolled agent). You are responsible for what you file.

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ReceiptLine uses AI to extract and suggest expense details. It is not accounting or tax advice. Review each receipt and confirm the correct treatment with a qualified professional for your jurisdiction.

Quarterly Estimated Tax Calculator for 1099 Income (2026) | ReceiptLine · ReceiptLine