Quarterly Estimated Tax Calculator — 2025 Safe Harbor

How to use

1. Enter expected annual profit, other income and W-2 wages.
2. Add federal tax already withheld this year.
3. Enter last year's total tax for the safe-harbor check.
4. Choose filing status, the QBI option and any itemized deductions.
5. Calculate for the per-quarter amount and the 2025 due dates.

General information only — not medical, financial or legal advice. Figures cross-checked against public official sources (IRS / HMRC / NHS / WHO guidance); content last reviewed September 2026. For decisions that matter, confirm with a licensed professional in your country.

About this tool

A freelancer who waits until April often meets underpayment penalties instead of a refund. This calculator estimates your full-year 2025 federal bill — income tax on profit, interest and wages after the standard or itemized deduction, an optional 20% QBI deduction, plus SE tax at 15.3% with the Social Security wage base respected — then converts it into four equal installments. It applies the safe-harbor rule properly: pay the lesser of 90% of this year's tax or 100% of last year's (110% if prior AGI topped $150,000), subtract withholding already credited, and divide the remainder by four. The 2025 due dates — April 15, June 16, September 15 and January 15, 2026 — are listed with their amounts, and a note flags when withholding alone already covers the target. It is an educational estimate, not professional advice, and everything computes in your browser.

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