Estimate your 2026 federal tax, see how much your withholding already covers, get suggested quarterly payments, and check the IRS safe-harbor rule so you avoid underpayment penalties.
🔒Private by design. No SSN, no bank login, no IRS login, no payroll password. Runs in your browser. Educational estimate only.
Expected 2026 income
Adds a rough state quarterly estimate
$
Income with paycheck withholding
$
Net profit after expenses
Already paid & last year
$
From your W-2 job(s) this year
$
Line 22 of last year's Form 1040 — drives the safe harbor
Adjustments (optional)
$
Above the standard deduction
$
Child tax credit, etc.
Your federal estimate
Est. federal tax
$20,715
Suggested / quarter
$2,500
Self-employment tax$8,478
Federal income tax$12,237
Covered by withholding−$4,000
Safe-harbor target (annual)$14,000
100% of last year vs 90% of this year — lesser
Still to pay via estimates$10,000
⚠️ Make quarterly payments to stay penalty-safe. Pay about $2,500 each quarter ($10,000 total) so your payments reach the $14,000 safe-harbor target. Or increase your W-2 withholding by the same amount — withholding counts as paid evenly all year.
Educational estimate only — not tax advice. Safe-harbor and penalty rules (including annualized income for uneven earnings) are detailed in IRS Form 1040-ES and Form 2210. State estimates are simplified. Confirm with a tax professional.