Updated for the 2026 tax year. Your fourth quarterly payment is due Jan 15, 2027.
For freelancersSingle user · US federal taxes only

Know what you owe the IRS each quarter.

Upload your bank statements. SoloLedger sorts every transaction and shows your quarterly estimated tax, with the math in plain sight, plus a clean profit and loss for the year.

Create your account See how it works

Bring the CSV file your bank already gives you. No bank login needed.

  • File upload only, no bank login
  • Single user, just you
  • US federal taxes only
  • Delete your account and data anytime from Settings
SoloLedger is an estimator, not tax advice. Check big decisions with a tax professional.
Estimates · Q4 2026Example
Next payment due

Jan 15, 2027

78 days left
Minimum to avoid a penalty$2,140Safe harbor · 100% of 2025 tax ÷ 4
What you'll really owe$3,247Projection from your 2026 profit
Income, Jan to Oct$62,180
Business expenses−$12,180
Net profit so far$50,000
02 — Due dates

Four dates a year. SoloLedger keeps them for you.

2026 tax year, federal estimated payments (Form 1040-ES).

  1. Q1 · Jan–Mar
    Apr 15
    2026
    Covers January through March income
  2. Q2 · Apr–May
    Jun 15
    2026
    Covers April and May
  3. Q3 · Jun–Aug
    Sep 15
    2026
    Covers June through August
  4. Q4 · Sep–Dec · next
    Jan 15
    2027
    Covers September through December
03 — How it works

Three steps from a messy statement to a number you can pay.

No bookkeeping background needed. You bring the files; SoloLedger does the sorting and the arithmetic.

  1. Upload your statements

    Download the CSV file from your bank or card and drop it in. We spot the columns and skip anything you've already imported.

  2. Let it sort itself

    Every transaction lands in a business category, and each one tells you why. Fix one, and SoloLedger remembers for next time.

  3. See your quarterly estimate and P&L

    Get the minimum that avoids a penalty, a realistic projection, and a profit and loss you can hand to anyone who asks.

Takes about ten minutes the first time, and two minutes each month after.Create your account
04 — The two numbers

The penalty-safe minimum, and what you'll really owe. Side by side.

Most calculators give you one number and no reasoning. SoloLedger shows both, line by line, so you can choose how much to set aside.

  • Minimum to avoid a penalty. Based on last year's tax, the IRS safe harbor. Pay this each quarter and you won't owe an underpayment penalty.
  • What you'll really owe. Based on this year's profit so far, so April holds no surprise bill.
  • Every line visible. Net profit, self-employment tax, income tax and payments already made. Nothing hidden.

Q4 2026 worksheet

Example

Minimum to avoid a penalty

2025 total tax$8,560
Safe harbor rate100%
Required for 2026$8,560
Per quarter÷ 4
Pay by Jan 15$2,140

What you'll really owe

Projected 2026 profit$60,000
Self-employment tax$8,478
Federal income tax$4,511
Projected 2026 tax$12,989
Per quarter÷ 4
Pay by Jan 15$3,247
Sample figures for a single filer. Your numbers come from your own statements and last year's return. SoloLedger is an estimator, not tax advice.
05 — Your data

Your books stay small, simple and yours.

SoloLedger is deliberately narrow. That is what keeps it trustworthy.

  • File upload only, no bank login

    You download statements from your bank and upload them. We never ask for, or store, your bank password.

  • Single user

    One account, one person. No team seats, no shared access, nothing to configure.

  • US federal taxes only

    Federal income and self-employment tax for the 2026 tax year. State taxes aren't included.

  • Delete anytime

    Delete your account and data anytime from Settings. It's gone for good, not hidden.

Every account is confirmed by an emailed code, and your figures are only ever shown to you.

Ready when you are

Stop guessing what to set aside. Know it.

Create your account, upload one statement, and see this quarter's number in a few minutes.

Create your account I already have an account
SoloLedger is an estimator, not tax advice. It covers US federal income and self-employment tax only. Numbers depend on the statements you upload.