2026 quarterly tax calculator for 1099s
Enter your 2026 self-employment profit. See what to pay the IRS by January 15, 2027, line by line.
Estimate my taxBuilt on the IRS 2026 Form 1040-ES worksheet and rates R1
Your estimate
Add your profit and press Calculate. Your January 15, 2027 payment shows here.
How the estimate works
Self-employment tax
92.35% of your profit is taxed at 15.3%: 12.4% Social Security on the first $184,500 of combined earnings, plus 2.9% Medicare. R2
Income tax
Half the self-employment tax comes off your income, then the 2026 standard deduction, the business income deduction and the 2026 tax brackets. R4 R5
Safe harbor
You must pay in the smaller of 90% of your 2026 tax or 100% of your 2025 tax, or 110% if your 2025 AGI was over $150,000. R3
2026 estimated tax due dates
| Payment | Due | Covers income from R11 |
|---|---|---|
| 1st | April 15, 2026 | Jan 1 to Mar 31 |
| 2nd | June 15, 2026 | Apr 1 to May 31 |
| 3rd | September 15, 2026 | Jun 1 to Aug 31 |
| 4th | January 15, 2027 | Sep 1 to Dec 31 |
You can skip the January payment if you file your 2026 return by February 1, 2027 and pay the whole balance with it. R1
What the $19 plan adds
The free result tells you one number. The plan is the paperwork around it, made from your own figures.
- Payment schedule. All four 2026 dates, the amount each one needed and how far behind or ahead you are.
- Reminders. One calendar file with the January 15, 2027 payment and a nudge a week before.
- Printable worksheet. The 2026 Estimated Tax Worksheet and the self-employment tax worksheet, every line filled in.
- 2027 starting point. Your quarterly safe-harbor amount for next year, based on this year's tax.
One-time $19, no subscription. Full refund within 30 days: email hello@moneyyoureowed.com.
Questions
Is this tax advice?
No. It is an estimate built from the IRS 2026 Form 1040-ES worksheet. Your real tax depends on your full return. If your situation is complicated, talk to a tax professional.
The IRS worksheet is free. Why pay $19?
It is, and the calculator above is free too. The $19 plan fills in the worksheet for you, lays out all four payments, gives you calendar reminders and a 2027 starting amount. If you would rather fill in the form yourself, the link is in Sources.
I missed earlier 2026 payments. Is it too late?
No. Paying now still helps. The IRS charges the penalty on each underpayment for the number of days it remains unpaid, so the sooner you catch up, the smaller it gets. R10
Do I need to pay estimated tax at all?
Usually yes if you expect to owe at least $1,000 after withholding and refundable credits. The calculator tells you when you fall under that line or when your withholding already covers you. R3
Does it include state tax?
No. It covers federal income tax, self-employment tax and the Additional Medicare Tax. State estimated tax rules differ.
What does it leave out?
Capital gains rates, alternative minimum tax, refundable credits, the new Schedule 1-A deductions and the business income deduction above $201,750 of taxable income ($403,500 joint). Above that line we leave the deduction out, which makes the estimate higher, not lower.
What happens to my numbers?
They stay in your browser. The page saves your last inputs on your device so the paid plan can pick them up. We never see them.
How do I get the plan after paying?
Stripe sends you straight to your plan page. Bookmark it or email yourself the link from that page; it keeps working. Lost it? Use Find my plan and we email the link to the address you paid with.
Sources
Checked 30 October 2026. Quotes are from the official documents.
- IRS, 2026 Form 1040-ES, Payment Due Dates: "1st payment April 15, 2026 · 2nd payment June 15, 2026 · 3rd payment Sept. 15, 2026 · 4th payment Jan. 15, 2027*" and "You don't have to make the payment due January 15, 2027, if you file your 2026 tax return by February 1, 2027, and pay the entire balance due with your return."
- IRS, 2026 Form 1040-ES, Self-Employment Tax and Deduction Worksheet and What's New: "Multiply line 2 by 92.35% (0.9235)", "Multiply line 3 by 2.9% (0.029)", "Multiply line 8 by 12.4% (0.124)", "Multiply line 10 by 50% (0.50)" and "the maximum amount of earned income (wages and net earnings from self-employment) subject to the social security tax is $184,500."
- IRS, 2026 Form 1040-ES, General Rule and Higher income taxpayers: "You expect to owe at least $1,000 in tax for 2026, after subtracting your withholding and refundable credits", "a. 90% of the tax to be shown on your 2026 tax return, or b. 100% of the tax shown on your 2025 tax return" and "If your adjusted gross income (AGI) for 2025 was more than $150,000 ($75,000 if your filing status for 2026 is married filing separately), substitute 110% for 100%."
- IRS, 2026 Form 1040-ES, 2026 Tax Rate Schedules and Standard deduction amount: Schedule X (single) "Not over $12,400 … 10% of the taxable income", Schedule Y-1 (joint) "Not over $24,800", Schedule Z (head of household) "Not over $17,700", top rate 37%; standard deduction "Married filing jointly or Qualifying surviving spouse $32,200 · Head of household $24,150 · Single or Married filing separately $16,100."
- IRS, Rev. Proc. 2025-32 (2026 inflation adjustments): section 4.14 standard deduction "$32,200 … $24,150 … $16,100"; section 4.26 qualified business income threshold "Married Individuals Filing Joint Returns $403,500 … All Other Returns $201,750."
- IRS, 2026 Form 1040-ES, What's New: "Recent legislation made the qualified business income deduction (QBID) permanent. In addition, beginning in 2026, if you have a minimum of $1,000 in total qualified business income from an active trade or business, you may be able to claim a minimum QBID of $400."
- IRS, 2025 Instructions for Form 8995: QBI includes "deductible part of self-employment tax, self-employment health insurance deduction, and contributions to qualified retirement plans."
- IRS, 2025 Instructions for Form 8959, Additional Medicare Tax: 0.9% over "Married filing jointly $250,000 · Married filing separately $125,000 · Single $200,000 · Head of household $200,000"; wages reduce the self-employment income threshold.
- IRS, 2025 Instructions for Schedule SE: "You must pay SE tax if you had net earnings of $400 or more as a self-employed person."
- IRS, 2026 Form 1040-ES, When a Penalty Is Applied: "The penalty is imposed on each underpayment for the number of days it remains unpaid."
- IRS, Publication 505 (2026), Chapter 2: "For the period: Jan. 1 – March 31 … April 15, 2026; April 1 – May 31 … June 15, 2026; June 1 – Aug. 31 … Sept. 15, 2026; Sept. 1 – Dec. 31 … Jan. 15, 2027."