Free Quarterly Tax Calculator for 2025

👋 Welcome! Let's Make Taxes Easy

Don't worry if taxes feel confusing - we'll walk through this together! Just fill in what you know, and we'll calculate everything for you. Hover over any ? for help.

Progress: 0% complete

📊 Professional Tax Calculator

Advanced quarterly tax calculator with 2025 OBBB deductions, safe harbor calculations, and comprehensive tax planning features. All fields are optional - calculate with precision.

15.3%

SE Tax Rate

$176,100

SS Wage Base

20%

QBI Deduction

$2,200

Child Tax Credit

💼 Your Info

How much money will you make this year? ?

$ /year

Example: If you charge $50/hour and work 1000 hours, enter $50,000

What will you spend on business stuff? ?

$ /year

Example: $200/month for software + $100/month internet = $3,600/year

Do you also have a regular job? (W-2 income) ?

Tax already taken from paychecks ?

How will you file your taxes? ?

Single

Married

Head of House

Number of qualifying children (under 17)? ?

Are you age 65 or older? ?

I am 65 or older

🎁 New 2025 Deductions

Tips Income Up to $25k deductible! ?

Overtime Pay Up to $12.5k deductible! ?

Car Loan Interest Up to $10k deductible! ?

Additional Deductions (Pro Mode) ?

Prior Year Tax (for Safe Harbor) ?

📚 New to taxes? Learn the basics!

What are quarterly taxes? • What counts as an expense? • New 2025 tax savings

                        📊
                        Your Tax Breakdown
                    
                        Total Income
                        $0
                    
                        Deductions (Standard + Bonus + QBI, etc.)
                        $0
                    
                        Taxable Income
                        $0
                    
                        Self-Employment Tax
                        $0
                    
                        Income Tax (before credits)
                        $0
                    
                        Child Tax Credit
                        -$0
                    
                        Total Estimated Tax
                        $0
                    
                        Tax Already Withheld
                        -$0
                    
                        Estimated Tax You Still Owe
                        $0

📅 Your Quarterly Payment Schedule

⚠️ Important: Save these dates!

Add these dates to your calendar! Missing a payment can result in penalties. You can pay online at IRS.gov.

Quarter 1

April 15, 2025

For Jan-Mar income

Quarter 2

June 16, 2025

For Apr-May income

Quarter 3

Sept 15, 2025

For Jun-Aug income

Quarter 4

Jan 15, 2026

For Sep-Dec income

💡 Good to Know

Your Effective Tax Rate 0%

Take-Home Pay (after tax) $0

Recommended Monthly Savings $0

Marginal Tax Bracket 0%

✅ Your Next Steps

Explore Our Other Free Tax Tools

Each calculator is designed to answer a specific question about the new 2025 tax laws.

💰

Tip Deduction Calculator

Find out exactly how much of your tip income is deductible under the new 2025 rules.

🚗

Car Loan Interest Calculator

See if you qualify for the new $10,000 deduction for interest on a new, U.S.-assembled vehicle.

⏰

Overtime Pay Calculator

Calculate your tax deduction for the "half" portion of your time-and-a-half overtime pay.

👵

Senior Bonus Deduction

See if you qualify for the new $6,000+ deduction for filers aged 65 and over.

What the 2025 "One Big Beautiful Bill" Means for You

You've probably heard about the big tax changes that happened in 2025. The "One Big Beautiful Bill Act" made many of the 2017 tax cuts permanent and added some major new benefits, especially for freelancers, gig workers, and older Americans.

Here's the bottom line on the changes that matter most:

Lower Tax Rates Are Here to Stay: The seven tax brackets (10%, 12%, 22%, etc.) are now permanent, so you can plan on them for the future.
A Bigger Standard Deduction: The standard deduction got a nice boost. For 2025, it's $15,750 for Single filers and $31,500 for Married couples filing jointly.
New "Bonus" Deduction for Seniors: If you're 65 or older, you can now get an extra $6,000 "bonus" added to your standard deduction ($12,000 for a married couple if both are 65+), subject to income limits.
More Help for Parents: The Child Tax Credit was increased to $2,200 per qualifying child under age 17.
The QBI Deduction is Safe: The 20% Qualified Business Income (QBI) deduction—one of the best deductions for self-employed people—is now permanent.

This calculator has been fully updated to include all of these new 2025 rules, so the numbers you see are based on the very latest information.

Frequently Asked Questions (FAQ)

1. What exactly are quarterly taxes?

Think of it this way: when you have a W-2 job, your employer withholds taxes from every paycheck. When you're self-employed, you are your own payroll department. The IRS requires you to send them those taxes throughout the year in four "estimated" payments instead of all at once in April. It's just the government's way of ensuring a steady flow of tax revenue.

2. Do I really have to pay them?

The simple rule of thumb is this: if you expect to owe at least $1,000 in tax for the year, then yes, you need to pay estimated quarterly taxes. This applies to most full-time freelancers and even many people with a side hustle.

3. How much should I set aside from each payment?

A safe bet is to set aside 25-30% of every single payment you receive. Put it into a separate savings account and don't touch it. This percentage is a good estimate because it covers both your income tax and the self-employment tax (for Social Security and Medicare).

4. When are the 2025 quarterly tax deadlines?

Mark these dates in your calendar! Missing them can lead to penalties.

Q1 (Jan 1 - Mar 31): April 15, 2025
Q2 (Apr 1 - May 31): June 16, 2025
Q3 (Jun 1 - Aug 31): September 15, 2025
Q4 (Sep 1 - Dec 31): January 15, 2026

5. How do I actually pay the IRS?

It's easier than you think. The best way is to pay for free directly from your bank account using IRS Direct Pay on their website. You don't even have to create an account. You can also use a credit/debit card (for a fee) or mail a check with a Form 1040-ES voucher, but Direct Pay is the simplest option.

💡 Tax Tips for Freelancers