--- title: "Quarterly Estimated Tax Calculator for Self-Employed | MCC" description: "Estimate your quarterly federal and New Jersey tax payments, with the safe harbor that avoids an underpayment penalty. Free and private, runs in your browser." url: "https://mcc-solutionsnj.com/bookkeeping/quarterly-estimated-tax-calculator" --- Free tool # How much should my quarterly estimated tax payment be? ## Overview Enter the profit you expect this year. See your estimated tax, the safe harbor amount, and what to pay for each payment still ahead of you. [![Intuit ProAdvisor Gold tier badge](/img/credentials/intuit-proadvisor-gold.png)](https://proadvisor.intuit.com/app/accountant/search?searchId=matthew-coleman77)Gold tier in Intuit's ProAdvisor program. [See my Intuit listing](https://proadvisor.intuit.com/app/accountant/search?searchId=matthew-coleman77) Expected profit this year ($) Filing status Other household income ($) (spouse wages, a job) State income tax Last year's total tax ($) (optional, from your return) Last year's income Adjusted gross income was over $150,000 Estimated tax already paid this year ($) Payments left this year Python scripts ยท $39 ### 2026 Form 1040 & Schedule C Estimator (Python) Type in revenue and expenses and see profit, self-employment tax, taxable income, federal tax and what to pay each quarter, from a script you run locally with no subscription. [See what is inside ($39)](/toolkits/schedule-c-tax-estimator)14-day full refund Share ## Put this tool on your own site Free to use. Paste this where you want it to appear. It runs in the visitor's browser, so nothing they enter is sent to us. [See every calculator you can embed](/embed) How it works ## How it works The calculator estimates your full-year tax from your expected profit: self-employment tax, federal income tax and, if you choose, New Jersey income tax. It uses 2026 federal figures and New Jersey's 2025 table. Want a second pair of eyes on your books? [A free bookkeeping health check](/bookkeeping/health-check). Then it finds your **safe harbor**, the amount that generally keeps you out of penalty even if your final bill is higher. That is the lower of 90% of this year's tax or 100% of last year's total tax (110% for higher earners). Subtract what you have already paid, divide by the payments left, and you have a number for each one. Nothing you type is sent or saved. FAQ ## About this calculator **Who has to pay estimated taxes?** Generally, people who expect to owe $1,000 or more in federal tax after withholding and credits, including most self-employed people, freelancers and owners of pass-through businesses. New Jersey has its own estimated payment rules for state tax. **When are quarterly payments due?** Federal estimated payments are generally due April 15, June 15, September 15 and January 15. When a date falls on a weekend or holiday, it moves to the next business day. The tax deadline calendar shows your dates. **What is the safe harbor?** It is a payment level that helps you avoid an underpayment penalty even if your final bill is higher. Paying at least 90% of this year's tax, or 100% of last year's total tax (110% if last year's adjusted gross income was above $150,000), generally qualifies. The calculator uses the lower of the two. **Why does this match the self-employed tax calculator?** Both use the same formula and figures, so the annual total is the same. This page splits it into payments and applies the safe harbor. **What if my income is uneven?** You can base payments on when income was earned instead of dividing evenly, using the annualized method on Form 2210. Ask a preparer if your income is lumpy. **Is anything saved?** No. The math runs in your browser and nothing you enter is sent to us. See every filing date in the [tax deadline calendar](/bookkeeping/tax-deadlines), work out a monthly set-aside with the [self-employed tax calculator](/bookkeeping/self-employed-tax-calculator), or read [our bookkeeping guides](/bookkeeping/guides). More free tools: [Business Mileage Log](/bookkeeping/mileage-log-python-script), [NJ Sales Tax Splitter](/bookkeeping/nj-sales-tax-splitter-python-script), [Notary Journal Digitizer](/bookkeeping/notary-journal-digitizer-python-script), or [see all free tools](/free-tools). Free ### Month-End Close Checklist (PDF) The five-day close, one page to print. Enter your email and we send a link to confirm it is yours, then the download. We may email you about new toolkits, and every email has an unsubscribe link. General information, not tax or legal advice. [How we write and check our tools](/editorial-standards). Keep this calculator on your phone: [Add MCC Money to your phone](/tools/mcc-money-app). It's free, works offline and holds 62 calculators. Python scripts ### 2026 Form 1040 & Schedule C Estimator (Python) Type in revenue and expenses and see profit, self-employment tax, taxable income, federal tax and what to pay each quarter, from a script you run locally with no subscription. [See what is inside ($39)](/toolkits/schedule-c-tax-estimator) Also in the [Solopreneur Money Toolkit](/toolkits/solopreneur-money-toolkit): 4 products for $99 instead of $146 separately. Kestrel Tax ### Doing your own Form 1040? Kestrel Tax is a guided Form 1040 that runs on your own computer, for tax years 2025 and 2026, $39 one time. It lists the situations it does not handle and marks the return not complete instead of guessing. It does not e-file. The software is not a tax preparer, and this is not tax advice. [See Kestrel Tax](/bookkeeping/mcc-tax-1040-software) [Compare the three apps](/software) ## Want your books ready before the next payment? [See bookkeeping](/bookkeeping/)[Call (908) 444-6373](tel:+19084446373)