1099 & Self-Employment Quarterly Tax Estimator (2026)
As a W-2 worker, your employer withholds. As a 1099 contractor, the IRS expects you to pay as you go — and the SE tax alone is 15.3%. This tool sizes your quarterly payment from verified 2026 state rates plus the federal self-employment formula.
Estimate your quarterly payment
1099 Quarterly Tax Estimate (2026)
allmoneycalc.com — estimate, not tax advice
Self-employment tax (15.3% formula) + state income tax from verified 2026 rates, divided into four estimated payments.
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Educational estimate, not tax advice. SE tax = 15.3% × 92.35% of net earnings (Social Security 12.4% capped at the 2026 wage base of $176,100; Medicare 2.9% uncapped). State income tax: none=0%, flat=statutory rate, graduated=TOP marginal rate as upper-bound approximation. Federal income tax is user-supplied. The half-of-SE-tax deduction and QBI, S-corp, and other factors are not modeled. Verify with IRS Publication 334/505 and your state. Source: Tax Foundation Facts & Figures 2026.