Estimate your 2026 federal quarterly payments from income or an annual tax estimate. Add full-year withholding and payments already made to see the amount needed for your selected payment period under general Form 1040-ES rules. The calculator also supports 2025. For the calculation steps and payment dates, read our 2026 estimated tax payment guide.
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Equal-installment federal planning for calendar-year U.S. individuals. Withholding is allocated evenly; actual payment dates are not modeled. No annualized-income method, penalties, disaster relief, state taxes, farming/fishing, household employment or nonresident rules. Income mode excludes QBI, credits, itemized/additional deductions, preferential capital gains, business losses, AMT, NIIT and special rules; spouse self-employment is not modeled. A safe-harbor target does not reduce tax liability or guarantee penalty protection.
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This free quarterly estimated tax calculator helps you plan federal payments using annual income or an existing tax estimate, full-year withholding and payments already made. Compare general safe-harbor targets or budget for the full projected tax. The planner shows a cumulative payment target for your selected IRS period; it does not calculate penalties or annualized-income installments.
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The standard individual calendar-year schedule has four deadlines. The income periods have different lengths, even when the planned payments are equal.
Payment 1
Jan–Mar income period
Payment 2
Apr–May income period
Payment 3
Jun–Aug income period
Payment 4
Sep–Dec income period
Disaster relief, fiscal-year rules and specific filing exceptions can change applicable dates. Check IRS Form 1040-ES.
A general prepayment comparison looks at 90% of projected current-year tax and an eligible prior-year tax amount. The prior-year percentage is normally 100%, or 110% above the applicable AGI threshold. That target can help with payment planning, but it is different from your full tax liability.
Payment timing matters. A year-end payment may fund the annual target while earlier periods still show gaps. This planner displays those gaps without calculating a penalty. Review Publication 505.
Use expected withholding for the whole year, then enter actual estimated payments separately. For a selected period, the planner compares the cumulative estimated-payment target with payments entered through that period. Earlier excess payments carry forward; later payments do not get credited backward.
Starting with business receipts and expenses? Use the 1099 tax calculator with expenses to understand profit and the federal tax estimate. Enter business profit once in this planner.
A 2026 single filer enters $20,000 of projected annual federal tax, $4,000 of full-year withholding, and an eligible $12,000 prior-year tax amount with $80,000 of prior-year AGI. They have paid $2,000 in each of the first three periods.
The smaller general comparison is $12,000. After withholding, the estimated-payment target is $8,000. The plan calls for $2,000 to reach the fourth period’s cumulative target. Even after that planned payment, the projected filing balance is $8,000. The prior-year comparison does not reduce the $20,000 tax estimate.
IntegraFin helps organize income, withholding and payment records for tax preparation and planning conversations. Bring a complete picture of your income and prior return when you request a review.
Request a tax planning reviewEstimate annual federal tax from net self-employment profit, wages and supported ordinary income, or enter an annual tax estimate you already have. Enter full-year federal withholding and estimated payments by payment period. The planner compares general prepayment targets, subtracts withholding and shows the amount needed to reach your selected period’s cumulative target.
The standard calendar-year individual deadlines are April 15, June 15 and September 15, 2026, and January 15, 2027. Payment periods are not four equal three-month quarters. Fiscal-year rules, disaster relief, farming or fishing and certain filing exceptions can change the schedule; check the IRS rules for your circumstances.
Yes. Enter the total federal income tax you expect to have withheld for the entire selected tax year, including withholding already taken and withholding expected later. Do not enter only year-to-date withholding, ordinary Social Security or Medicare payroll deductions, or amounts repeated in the estimated-payment fields. This model treats withholding as paid evenly during the year.
Enter each estimated payment in the IRS payment period when it was actually paid. The planner subtracts cumulative payments from cumulative targets through the selected period. Earlier excess payments can carry forward. Payments entered in a later period do not reduce an earlier gap. Actual payment dates, prior-return credits and penalty interest are not modeled.
The general comparison uses the smaller of 90% of projected current-year tax and an eligible prior-year tax target. The prior-year percentage is normally 100%, rising to 110% if prior-year AGI exceeds $150,000, or $75,000 for a current-year married filing separately return. A full 12-month prior year is required. Missing eligibility confirmations keep that comparison out of the result.
Not necessarily. A prepayment target can be lower than your final tax liability. For example, $20,000 of projected tax and a $12,000 prior-year prepayment target can leave $8,000 at filing even after that target is funded. Choose the 100% tax budgeting goal to plan for the full projected liability. Timely payments and complete facts still matter.
Under the general rule, the balance test is applied to projected tax after withholding and applicable refundable credits, before subtracting estimated payments already made. This planner sets the general safe-harbor estimated-payment target to zero when that modeled balance is below $1,000. It does not determine every exception or penalty. The full-tax budgeting goal can still show an amount to fund.
No. It models the general equal-installment approach, with withholding allocated evenly. It does not calculate Form 2210 penalties, interest, annualized-income installments, actual-date allocation or special payment relief. A displayed earlier gap may require further review, even if a later payment reaches the annual target.
Income mode uses the basic standard deduction and models one person’s business plus supported wages and ordinary income. It excludes QBI, credits, itemized and additional deductions, preferential capital gains, business losses, AMT, NIIT, spouse self-employment, state and local taxes, and special return rules. Enter a reviewed annual tax estimate in the other mode when those items affect your projection.
Yes. There is no account, email gate or document upload. Calculations run in your browser. You can download a text plan or print it. Calculator analytics record tool actions and the selected tax year; entered income, withholding, tax and payment amounts are not included in those events.
General balance threshold, annual payment comparisons, equal installments and standard 2026 deadlines.
2025 payment rules and deadlines. Its original standard-deduction figures were subsequently updated.
Tax withholding, prior-year tax calculation, estimated payments and the annualized-income method.
Payment timing, penalty exceptions and Form 2210.
Rev. Proc. 2025-32, including 2026 amounts and revised 2025 basic standard deductions.
2025 and 2026 Social Security wage caps for the income-based SE estimate.
This model assumes calendar-year U.S. individual planning and, in income mode, eligibility for the basic standard deduction. It allocates withholding evenly. It excludes actual payment-date calculations, prior-return credit allocation, annualized income, penalties and interest, disaster relief, farming/fishing, household employment, nonresident and other special rules. Income mode excludes QBI, credits, itemized/additional deductions, preferential gains, losses, AMT, NIIT and spouse self-employment. State and local taxes are not included. The 2025 payment instructions predate subsequent deduction updates; the income model uses the revised selected-year tables. A displayed target is not a tax return or guaranteed penalty protection.