Quarterly tax calculator 2026
Deadlines sneak up fast when you’re freelancing. See what to pay by each 2026 IRS due date — and how much to set aside per quarter.
2026 quarterly due dates
- Q1April 15, 2026
- Q2June 15, 2026
- Q3September 15, 2026
- Q4January 15, 2027
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Estimates only — not tax advice. Based on IRS 2026 rules.
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Frequently asked questions
When are the 2026 quarterly tax due dates?
For tax year 2026, quarterly estimated payments are due April 15, June 15, and September 15, 2026, and January 15, 2027. Mark all four in your calendar now — they're not evenly spaced, and the second 'quarter' is only two months long.
How much should I pay each quarter?
A good starting point is your total estimated tax for the year divided by four. This calculator shows that amount plus a small range, so you have a buffer against underpayment penalties. If you filled in last year's tax, the safe harbor rule may lower what you owe.
What happens if I miss a quarterly deadline?
The IRS charges an underpayment penalty for each quarter you paid too little, based on the federal short-term rate plus 3 percentage points. Paying as soon as you realize the gap stops the penalty from growing, and using the safe harbor rule next year avoids it entirely.
Can I pay all four quarters at once?
Yes — you can make a single payment for the full year any time before the January deadline. Most freelancers pay quarterly to smooth cash flow, but the IRS accepts early or combined payments without penalty.
What is the safe harbor rule?
The safe harbor rule protects you from penalties: pay either 90% of this year's tax or 100% of last year's tax (110% if your adjusted gross income was over $150,000), whichever is smaller. Enter last year's total tax above and the calculator applies it for you.