1099 Quarterly Tax Planner
Most freelancers overpay because they forget the 20% QBI deduction. Enter your income, pick your quarter, and see exactly what to pay — with the full bracket math and safe harbor calculation shown.
Q2 2025 payment — due June 16, 2025
$4,901
$19,602 total annual · 21.3% effective rate · QBI deduction applied
Current Quarter (which payment are you calculating?)
Your numbers
Estimated (this year's income)
$4,901/qtr
Based on projected annual income
Safe harbor (100% rule)
Enter prior year tax above to see your safe harbor amount
2025 Payment Schedule
Q1 · Jan – Mar
$4,901
April 15, 2025
Q2 · Apr – May
$4,901
June 16, 2025
CurrentQ3 · Jun – Aug
$4,901
September 15, 2025
Q4 · Sep – Dec
$4,901
January 15, 2026
Estimates only — not tax advice. Consult a CPA for your actual liability. State taxes not included.
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Pay by January 15 to cover Q4 — don't wait until April. Underpayment penalties accrue from the due date, not from filing.
Source: IRS Publication 505
Common Questions
The IRS charges a penalty equal to the federal short-term rate + 3% (currently ~8%). It's not huge, but it compounds daily. Pay as soon as you can — partial payments reduce the accruing penalty.
Only if you expect to owe $1,000+ after withholding. Your W-2 withholding may cover it — use the W-4 Optimizer to check whether you need to adjust withholding instead of making separate quarterly payments.
Yes, and it's often smart. Overpayments apply as a credit toward next year or are refunded. If your income varies, overpaying Q3 and Q4 is a common strategy to hit safe harbor.