Freelancer-Entrepreneur Quarterly Tax Estimator

Stop guessing what you owe each quarter. This tool does the math — based on your income, filing status, and state — and tells you exactly how much to pay by each due date.

No spreadsheet formulas to break. No app to subscribe to. Just download the file, open it in your browser, and you have a working tax estimator in seconds.

**What it calculates:**

→ Self-employment tax (15.3% on 92.35% of net income, per IRS rules)

→ Federal income tax using 2026 brackets and standard deduction

→ QBI deduction (20% pass-through deduction, now permanent)

→ Your quarterly payment amounts with exact due dates

→ Safe harbor check — so you know the minimum to pay to avoid a penalty

→ Optional state tax estimate

**Features:**

→ Works instantly in any browser — no install, no account, no internet required after download

→ "Already paid?" mode: enter what you've paid so far and it adjusts the remaining quarters

→ Filing status options: Single, Married Filing Jointly, Head of Household, MFS

→ Built with 2026 IRS figures (Rev. Proc. 2025-32) and the $184,500 SS wage base