Enter your annual estimates to calculate.
START HERE
Enter the essentials
Start simple.
STEP 2 · YOUR ANSWER
Your next payment target
Look at the primary number first. Open the breakdown only when you want the detail.
See full breakdownTake-home, tax reserve, quarterly planning and tax detailsView +
Quarterly payment and safe harborNext payment, deadline and planning targetView +
FEDERAL SAFE HARBOR
Your next quarterly target
Suggested next payment$0
Next federal deadline—Calendar-year taxpayer schedule
Ready to make an estimated payment?Use the IRS payment system directly. Analyze My Income does not collect or transmit tax payments.
Pay estimated tax on IRS.gov →| Annual safe-harbor target | $0 |
|---|---|
| Remaining safe-harbor coverage | $0 |
| Rule used | — |
Timing matters. Uneven income may qualify for the annualized-income method. Confirm Form 1040-ES or Publication 505.
Tax calculationFederal, self-employment, state, payroll and QBIView +
| Federal income tax | $0 |
|---|---|
| Self-employment tax | $0 |
| State income tax | $0 |
| W-2 employee payroll tax | $0 |
| Additional Medicare Tax (included in the SE/W-2 totals above) | $0 |
| Self-employed retirement deduction | $0 |
| Estimated QBI deduction | $0 |
No deductible self-employed retirement contribution entered.
Understand your result
How to read your quarterly-tax result
The page leads with the next modeled federal payment. Safe-harbor rules and the full tax calculation remain available when you need to understand the number.
A planning amount for the next installment
The primary result uses the supported projected-tax and safe-harbor inputs to estimate the next federal payment.
When the next standard installment is due
The planner displays the next standard federal deadline for a calendar-year taxpayer under the current 2026 schedule.
Why prior-year tax matters
Open the details to see the annual safe-harbor target, remaining coverage and which general rule was used.
How it works
Three steps, with the complexity kept underneath.
Estimate current-year tax
The engine projects the supported federal tax and self-employment tax from the income entered.
Account for payments
Withholding and estimated payments already made reduce the remaining planning target.
Apply the supported safe-harbor path
Prior-year tax and AGI can change the annual payment target under the general safe-harbor framework.
Why Analyze My Income
Built for the decision, not just the arithmetic.
Many quick calculators apply a generic percentage or stop at one federal tax estimate. Analyze My Income is designed to answer a practical compensation question while keeping the assumptions visible.
Scenario-specific, not a fixed markup
The engine uses the numbers you enter instead of assuming every contractor should simply add 20% or 30%.
2026 federal + state model
The standard model uses the documented 2026 federal path and a separate state-income-tax path for all 50 states.
Simple first, advanced when needed
The first screen asks for the minimum useful inputs. Expenses, insurance, withholding, benefits and other details stay optional.
Methodology you can inspect
Key formulas, assumptions, limitations and primary-source references are published rather than hidden behind the result.
Important limits
When the estimate may need more context
The planner does not reproduce every Form 2210 exception or the annualized-income installment method. Uneven income and special taxpayer categories can require a different payment schedule. Read the full model scope and methodology →
Who is Analyze My Income?
Analyze My Income is an independent web-based planning project focused on making W-2, 1099 and self-employment income decisions easier to understand. It provides calculators and educational explanations; it does not prepare tax returns or claim professional credentials it cannot verify.
Frequently asked questions
Questions people ask before using the result
Do freelancers always have to pay quarterly?
Not always. Whether estimated payments are indicated depends on expected tax, withholding, prior payments and the applicable general safe-harbor tests.
Why does the calculator ask for prior-year tax?
Prior-year total tax can provide an alternative safe-harbor target under the general federal estimated-tax rules.
Does this calculate state quarterly payments too?
The current planner uses state tax as part of the reserve estimate, but state estimated-payment thresholds and deadlines are not modeled as a universal schedule.
Calculation transparency
Tax year 2026 · Last reviewed August 18, 2026
Federal parameters are checked against IRS and Social Security Administration material; state parameters are checked against official state tax authorities. Current standard scope is primarily a single filer, resident ordinary income, one sole-proprietor 1099 business and the standard deduction. Local taxes and special situations can differ.
How this estimate works
The calculator starts with 1099 income, subtracts entered business costs, applies the documented 2026 federal self-employment and income-tax model for the selected filing status, then adds the selected state path when that filing-status/state combination is validated.
When this may not apply
Local taxes, credits, itemized deductions, plan-specific retirement contribution limits, multiple businesses, spouse-specific deductions, entity elections and special state rules can materially change the result. Non-single state-tax rules are not yet modeled for every state, and quarterly state rules are not modeled here.