Who it is for
1099 workers, sole proprietors, single-member LLCs.
Business and Money · Estimator · Free
Stop getting surprised in April Quarterly Tax Set-Aside Estimator
A rough set-aside number for self-employed income, including the self-employment tax people forget about.
Runs in your browser. Nothing to install. Save the result or embed it on your site.
Your numbers
Generally W-2 box 5; include both spouses when filing jointly. Used only for the additional Medicare threshold.
What that means
Modeled business-income reserve percentage: 25.9%
25.9%
Modeled business-income reserve percentage
About $31,118 for the year
$90,000
Net profit
$12,717
SE and additional Medicare components
2026 scenario; wage inputs affect the caps
$18,401
Flat-rate income-tax scenario
$7,779
Remaining reserve divided by four
Yours to keep$58,882
Self-employment tax$12,717
Income tax$18,401
Reserve scenario, not a tax return or required quarterly installment. Uses the selected year's Social Security cap, 92.35% SE base, regular 12.4% and 2.9% components, and applicable additional Medicare threshold. Flat income-tax rate is not a progressive tax calculation. Credits, deductions, other income, safe-harbor rules, timing, state tax, and special SE methods are excluded. Confirm payments with current IRS guidance or your tax professional.
What this assumed
- Income tax uses a flat scenario rate, not progressive brackets. Deductions, credits, other income, state tax, timing and safe-harbor rules are excluded.
- SE components use the selected year, wage inputs and Medicare filing threshold. Half the regular SE component reduces the flat income-tax scenario base.
Runs in your browser. Your entries are never uploaded, never saved on our servers, and never put in a shareable link.
Not tax advice
Tax rules change and vary by state, county and situation. This tool does not know your filing status, deductions or local rates. Confirm anything you plan to file with a tax professional or the current official guidance.
Official source: IRS
You ran this on October 5, 2026. Rates and rules change, so check the date before you rely on a saved copy.
What this tool actually does for you
The problem it points at
Self-employment tax and income tax use different rules. A reserve calculation should expose those assumptions instead of treating one flat rate as a completed tax return.
What you walk away with
An illustrative reserve percentage to review alongside your actual tax situation.
How to use it
Takes about two minutes. Be honest with the numbers, the tool is not going to tell anybody.
- Enter what you expect to bring in and what you can deduct.
- Pick a rough income tax bracket.
- Review the reserve scenario and excluded items before deciding what to set aside.
Keep learning
Go a little deeper.
See how this tool fits a practical task, with a guide you can follow at your own pace.
Put this tool on your own website
Free forever. I host it. You keep it.
This is a real lead magnet you can run on your own site tonight. Somebody lands on your page, plays with the numbers, sees what their problem costs, and now they are on your website instead of a competitor's. Costs you nothing, and I keep it working.
- Scroll up and press Put this tool on my website. The code appears right there, no form.
- Copy the one line you get.
- In your website editor, add an Embed, HTML or Custom Code block on whatever page you want it on.
- Paste it in, save, publish.
- Check it on your phone, then send people to that page.
Works on
WordPress, Wix, Squarespace, Shopify, GoDaddy, Webflow, Duda, HubSpot, ClickFunnels, or plain HTML. Anywhere that takes an embed code.
What it costs you
Nothing. No monthly fee, no expiring trial, no watermark you have to pay to remove. If you get stuck putting it in, text me at (903) 500-8898 and I will help you place it.
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