Free Tool

Quarterly Tax Planner

The IRS wants its money as you earn it. Miss the quarterly payments and you owe a penalty under §6654, even if you pay in full by April. The safe harbor is the way out: pay enough during the year and you are protected no matter how big the final bill is. This finds that number.

Your numbers
Use your best estimate. We refine it each quarter when we work together.
$
$
$

If this is over $150k, your safe harbor is 110% of last year's tax instead of 100%.

$
Each quarterly payment
$0
Pay this four times and the underpayment penalty cannot touch you.
90% of this year's tax$0
Prior-year safe harbor$0
Required annual payment (the smaller)$0
Less withholding$0
Total estimates needed$0
Q1 — due Apr 15, 2026$0
Q2 — due Jun 15, 2026$0
Q3 — due Sep 15, 2026$0
Q4 — due Jan 15, 2027$0

Paying the safe harbor protects you from the penalty, but if you owe more than you paid in, the balance is still due in April. Smart planning aims for both: no penalty and no surprise. Let's set yours.

%Effective Tax Rate EstimatorEstimate your total tax to plug in here. SS-Corp Savings CalculatorLower the bill before you plan the payments.

No penalties.
No April surprise.

I run the projection each quarter so your payments track reality and your cash stays where it belongs until it has to move.

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Educational estimate only, not tax advice. Federal safe harbor under §6654: pay the smaller of 90% of the current year's tax or 100% of the prior year's tax (110% if prior-year AGI exceeds $150,000, or $75,000 married filing separately). Assumes four equal payments and even income through the year; uneven income may allow the annualized method. Due dates shown are the standard federal dates and can shift for weekends and holidays. State estimates and rules are separate.