Estimate your IRS quarterly payments in seconds — self-employment tax + federal income tax. 100% private: every calculation runs in your browser. Nothing is uploaded, tracked, or stored.
| Quarter | Income period | Due date |
|---|---|---|
| Q1 | Jan 1 – Mar 31, 2026 | April 15, 2026 |
| Q2 | Apr 1 – May 31, 2026 | June 15, 2026 |
| Q3 | Jun 1 – Aug 31, 2026 | September 15, 2026 |
| Q4 | Sep 1 – Dec 31, 2026 | January 15, 2027 |
Pay online at irs.gov/payments (Direct Pay → "Estimated Tax").
Ledgr tracks your income and expenses, flags tax write-offs with on-device AI, and tells you exactly what to set aside for each deadline — automatically, all year. No bank login. No cloud. Your books never leave your phone.
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Generally, anyone who expects to owe at least $1,000 in federal tax for the year after withholding and credits — which covers most freelancers, 1099 contractors, gig workers, and small-business owners.
The IRS charges an underpayment penalty that accrues like interest from the missed deadline until you pay. Paying late is better than not paying — make the payment as soon as you can.
You avoid penalties if you pay at least 90% of this year's tax or 100% of last year's total tax (110% if your prior-year AGI exceeded $150,000), whichever is smaller, spread evenly across the deadlines.
No — this estimates federal tax only (self-employment tax + income tax). Most states with an income tax have their own quarterly system; budget extra if your state taxes income.