Tax Set-Aside Calculator — free quarterly tax set-aside planner (Excel + Google Sheets)

Stop letting tax season ambush you.

The Tax Set-Aside Calculator is a free, five-minute tool for freelancers, gig

workers, Etsy sellers, and anyone with self-employment income. Type the income you

expect each quarter — the sheet shows how much to hold back.

What's inside

- Quarterly table — four input cells: your expected income for Q1–Q4.

- Set-aside guidance at 25% and 30% — the common rule of thumb, computed for you.

- Your own rate — one settings cell; every quarter follows it.

- Usual US deadlines — Apr 15, Jun 15, Sep 15, Jan 15, dated automatically from

the Year cell you set.

- Year totals — what to hold back for the whole year, summed per rate.

- Full user guide (markdown + PDF) and a quick-start PDF in the download.

Why you'll like it

- Five minutes to value: open, set two cells, type four numbers.

- No macros, no add-ins, no account, nothing phones home. Excel 2016+ (Win/Mac),

Google Sheets (File > Import > Upload), LibreOffice.

- Ships empty on purpose — no sample data to delete; blank quarters stay blank.

- Free updates within v1.x.

Honest notes

- This is a free product. Payhip asks for your email at checkout to deliver the file —

that is also how free v1.x update notices reach you. We make no other promises.

- Plain math, not tax advice: every number is income × a rate you choose. It is

deliberately expense-blind (it taxes typed income, not profit) — if you want

expense tracking and set-asides computed on net profit, we build full spreadsheet

systems for that: payhip.com/Cairnworks

- From a small template studio — v1.0. Spot a bug? Message us through Payhip and we

fix it in the next free update.