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Quarterly estimated tax: safe harbor calculator

Pay the safe-harbor amount and underpayment penalties disappear regardless of what you actually owe in April — the calmest way for self-employed people to handle quarterlies.

Reduce each quarter by any withholding you'll have. State safe-harbor rules differ — California's, notably, front-loads payments.

Educational estimate only — simplified assumptions, not tax advice, and not a substitute for a calculation on your actual return. Limits and rates change annually.