Quarterly tax calculator for the self-employed
Estimate your self-employment tax and federal income tax, then see roughly what to send the IRS each quarter.
Based on 2025 federal ratesApplies the 92.35% net-earnings factor, the deduction for half of SE tax, and the 2025 standard deduction ($15,750 single / $31,500 MFJ). State taxes, credits, QBI, and the Additional Medicare Tax are not included.
Dates falling on a weekend or holiday shift to the next business day.
How quarterly taxes work
When you freelance, no employer withholds taxes from your pay — so the IRS expects you to pay as you earn, in four estimated-tax installments. If you expect to owe $1,000 or more for the year, quarterly payments generally apply to you.
Your bill has two parts. Self-employment tax (15.3%) covers Social Security and Medicare — the pieces an employer would normally split with you. Federal income tax is the regular tax on your profit after the standard deduction. This calculator estimates both, then divides by four.
Lowering the bill comes down to lowering your taxable profit — which is why tracking every deductible expense matters. See what people in your line of work write off →
Track these deductions automatically
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Disclaimer: This page provides estimates and general information for educational purposes only — it is not tax, legal, or accounting advice. Tax rules change and depend on your specific situation. Consult a qualified tax professional before making tax decisions.