Type your income, answer four questions, and get your safe set-aside percentage and your next IRS 1040-ES payment — safe-harbor aware, W-2 blending included.
Get my number — free Android appDoorDash, Uber, Etsy, Upwork, freelance design, consulting — if income shows up without withholding, OwedZero tells you what April already knows.
Your true marginal rate per 1099 dollar — SE tax, federal brackets, QBI, and your state — not a guess.
Computes both IRS methods (90% current-year vs 100/110% prior-year) and recommends the smaller, penalty-free.
Log a payment, move the tax slice to your own savings, mark it done. Your money never touches ours.
Snap a receipt; it lands on an IRS line with the 50% meals rule applied. Year-end preparer export included.
2026 IRS rate with the date-miles-purpose log the IRS expects. Every 100 miles ≈ $72.50 off taxable income.
Tap any figure for the plain-English 1040-ES worksheet with your numbers. Deterministic engine, no AI in the math.
The five questions every 1099 earner asks — same answers that power the calculator.
Most US freelancers land between 20% and 35% of gross 1099 income. OwedZero computes your personal percentage from the 2026 IRS worksheet: self-employment tax (15.3% on 92.35% of net profit), federal income tax after the standard deduction and the 20% QBI deduction, plus a state estimate.
April 15, June 15, and September 15, 2026, and January 15, 2027 for Q4. OwedZero counts down to each deadline and re-spreads what you owe across remaining quarters if you start mid-year.
You avoid underpayment penalties by paying either 90% of this year's tax or 100% of last year's total tax (110% if last year's AGI was over $150,000) — whichever is smaller. OwedZero computes both and recommends the lower automatically.
No — never. You log income in two taps and your data stays on your device.
72.5 cents per business mile. OwedZero logs trips in the format the IRS expects and adds the deduction automatically.
Estimates for planning only — OwedZero is not a tax preparer and does not provide tax, legal, or accounting advice. Verify your situation with a qualified professional.