OwnerUnlocked

Free tools

Quarterly estimated tax calculator for the self-employed (2026)

Enter what you expect to earn this year. You'll see your self-employment tax, federal income tax and what to pay each quarter.

Pay each quarter$3,009
Total for the year$12,037
Self-employment tax$8,478
Federal income tax$3,559
Taxable income$31,729
QBI deduction (20%)$7,932

You'll likely owe $1,000 or more, so the IRS expects quarterly payments.

When to pay

  • Apr 15, 2026

    Payment 1 for 2026

    Already passed. If you missed it, pay as soon as you can to limit the penalty.

  • Jun 15, 2026

    Payment 2 for 2026

    Already passed. If you missed it, pay as soon as you can to limit the penalty.

  • Sep 15, 2026

    Payment 3 for 2026

    Already passed. If you missed it, pay as soon as you can to limit the penalty.

  • Jan 15, 2027

    Payment 4 for 2026

    Pay online at IRS Direct Pay or EFTPS.

Next payment: Jan 15, 2027.

IRS Direct Pay

How it works

As a business owner, nobody withholds tax from your profit. You pay it yourself four times a year: self-employment tax (Social Security and Medicare, 15.3% on 92.35% of profit) plus income tax. You avoid an underpayment penalty if you pay at least 90% of this year's tax, or 100% of last year's (110% if your income was over $150,000).

An estimate for planning, not tax advice. It assumes a single-owner LLC or sole proprietor, the standard deduction and federal tax only. Your state may add income tax. A tax pro can confirm your numbers. Figures: IRS and SSA for 2026, checked Oct 4, 2026.