Quarterly Tax Reserve & Safe Harbor Planner

Build a transparent 2026 reserve from self-employment tax, your own federal income-tax estimate, state/local tax, withholding, and prior-year safe-harbor information.

Next quarterly due date

00:00:00:00

Expected annual net freelance income

Filing status

W-2 Social Security wages

W-2 Medicare wages

Estimated federal income-tax rate on net freelance income (%) Use a planning rate based on your household return. The tool does not calculate brackets, QBI, credits, or deductions.

State/local reserve rate (%)

Expected annual federal withholding

Prior-year total federal tax

Prior-year adjusted gross income

Estimated 2026 self-employment tax

Projected federal liability in this model

Quarterly cash-reserve pace

Quarterly federal safe-harbor payment

Quarterly state/local reserve

Prior-year federal safe-harbor target

Read the quarterly checklist Review self-employment tax details Read the reserve strategy