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How much should you pay in quarterly taxes?

Most self-employed professionals either overpay and lose liquidity, or underpay and get hit with penalties. Get your full estimate in seconds.

  • Federal + self-employment tax included
  • State tax breakdown included
  • Accounts for your business expenses
  • 2025 quarterly payment schedule

2025 Due Dates

Q1Apr 15
Q2Jun 16
Q3Sep 15
Q4Jan 15, 2026

Quarterly Tax Estimator

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IRS Safe Harbor Rules

You're protected from penalties if you pay the lower of:

90%

Current year method

Pay 90% of what you'll owe this tax year. Requires estimating your current income.

100% / 110%

Prior year method

Pay 100% of last year's tax (110% if AGI > $150K). No estimation needed — the safest approach.

Source: IRS Publication 505

Common questions

When are quarterly estimated taxes due?

Q1: April 15 · Q2: June 16 · Q3: September 15 · Q4: January 15 of the following year. Note Q4 is not December 31.

What if I miss a payment?

If you meet safe harbor requirements (90% current year OR 100%/110% prior year), there are no underpayment penalties. If you miss, the IRS charges interest (~8% annually) on the shortfall.

Can I use prior year method even if my income went up a lot?

Yes. That's the key advantage. Even if your income doubled, you can base payments on last year's tax and settle up at filing. No penalties.

Does this work for S-Corps and sole proprietors?

Yes. Safe harbor rules apply to all individual tax returns regardless of business structure.

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