Estimated Tax Payment Estimator
Project your federal and state tax for the year, see whether your withholding and estimates cover it, and get a safe-harbor quarterly payment schedule. Built for W-2, self-employed, and investment income.
Income
Enter projected full-year amounts. Leave blank where not applicable.
Net capital losses are limited to $3,000 against ordinary income. Enter losses as negative numbers.
Deductions, credits & payments
The larger of the standard deduction or your itemized total is applied automatically.
Prior-year figures — for safe harbor
The IRS waives the underpayment penalty if you pre-pay the smaller of 90% of this year's tax or 100% of last year's (110% if last year's AGI exceeded $150,000; $75,000 if MFS).
Leave prior-year tax at 0 to base the target on 90% of this year's projected tax only.
State
Pick a state to load an estimated rate, then adjust it to the client's blended effective rate. Applied to projected AGI.
Graduated-rate states load at their top marginal rate as a conservative starting point. Local taxes (e.g., PA municipal EIT, NYC) are not included — add them to the rate if relevant.
Safe-harbor target: —
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Estimate only. This tool projects federal and state tax for planning and quarterly-payment purposes. It applies 2025 (Rev. Proc. 2024-40) and 2026 (Rev. Proc. 2025-32) federal parameters, self-employment tax (15.3% on 92.35% of net SE earnings, Social Security capped at the annual wage base and reduced by W-2 wages), the 0.9% Additional Medicare Tax, the 3.8% Net Investment Income Tax, the 20% QBI deduction (simplified), the Child Tax Credit and Credit for Other Dependents with phaseout, preferential rates on qualified dividends and long-term gains, and a simplified Alternative Minimum Tax. The AMT estimate adds back the standard deduction and any preference amounts you enter, but does not automatically capture itemized add-backs (such as SALT), ISO exercises, or every preference item, so confirm AMT exposure with a full Form 6251. It also does not model full QBI/SSTB limitations, passive-activity rules, AGI-based deduction phaseouts, every state's bracket structure, or local taxes. S-corp / pass-through K-1 income is treated as ordinary income that is QBI-eligible but not subject to SE tax; it assumes active participation, so passive pass-through income that may be subject to the 3.8% NIIT is not automatically captured. State figures use an editable effective rate applied to AGI. Results are not tax advice and do not create a client relationship. Confirm with SAPIR EA before remitting any payment.