🧾calculator≈ 60s · 5 inputs
Estimated Tax Safe-Harbor Calculator
Interactive Tool
≈ 60s
Estimated Tax Safe-Harbor Calculator — 2026
Five inputs. We apply the IRS safe-harbor rule and tell you the minimum quarterly payment that protects you from the §6654 penalty.
Adjusted Gross Income from line 11 of last year's Form 1040. Determines if the 110% high-income safe-harbor applies.
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Line 24 of last year's Form 1040 — total tax after credits.
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Your best estimate. If this year looks dramatically lighter than last year, we'll use the cheaper current-year path.
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Withholding counts as 'paid evenly' under §6654 — it reduces your estimated-payment burden dollar for dollar.
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Are you filing Married Filing Separately (MFS) this year?
The 110% high-income safe harbor kicks in above $75,000 AGI for MFS, vs. $150,000 for other filers.
Your quarterly payment
Enter your prior-year tax numbers and current-year projection — the minimum safe-harbor payment appears here.
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Disclaimer: Directional guidance, not tax, legal, or financial advice. Always confirm with your CPA or attorney before acting. See worthune.com/disclaimer.