1099 quarterly tax calculator
Know what to set aside.
Enter what you expect to earn and spend in 2026. See your self-employment tax, your federal income tax and what to pay each quarter. Free, no signup.
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A number that stays right all year.
A calculator is a guess about the whole year. In ClaryBook the estimate comes from your actual books, so it moves when your income does.
- Type an expense in plain words, like "gas 48.20", and it is booked with the date, vendor and amount.
- Snap a receipt and it becomes a categorized expense.
- Your federal quarterly estimate follows the IRS payment periods, with self-employment tax on your Schedule C profit and the safe-harbor targets once you enter last year's tax.
- Payments you have already made are subtracted, so you see what is left to pay.
2026 estimated tax due dates
| April 15, 2026 | income Jan 1 to Mar 31 |
| June 15, 2026 | income Apr 1 to May 31 |
| September 15, 2026 | income Jun 1 to Aug 31 |
| January 15, 2027 | income Sep 1 to Dec 31 |
Questions
How is self-employment tax calculated?
Take 92.35% of your profit. Social Security is 12.4% of that, up to the 2026 wage base of $184,500. Medicare is 2.9% of all of it. If that 92.35% comes to less than $400, there is no self-employment tax.
Why is half of my self-employment tax subtracted?
The IRS lets you deduct half of your self-employment tax from your income before income tax is worked out. The calculator does that, then subtracts the 2026 standard deduction for your filing status.
Do I have to pay quarterly?
Generally yes, if you expect to owe $1,000 or more for the year after withholding. Paying too little each quarter can mean an underpayment penalty, even if you pay everything in April.
Does this include state tax?
No. It is federal only. Most states with an income tax also expect estimated payments.
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