QuarterWise 1099 Tax Planner

Self-employment tax and 2026 quarterly estimated tax planner for 1099 workers, with due-date reminders and a PDF worksheet.

QuarterWise 1099 Tax Planner estimates 2026 federal self-employment tax and income tax for freelancers, independent contractors, and gig workers, then turns it into a Form 1040-ES quarterly payment plan. It follows the IRS 2026 Form 1040-ES worksheets: 92.35% of net profit, 12.4% Social Security up to the $184,500 wage base (minus W-2 wages), 2.9% Medicare, 0.9% Additional Medicare Tax, the deductible half of SE tax, the 20% QBI deduction below the threshold, 2026 brackets and standard deduction, the child tax credit, and the 100%/110% prior-year or 90% current-year safe harbor.

What it does

Self-employment tax from 1099 income and business expenses: 92.35% net earnings, 12.4% Social Security up to $184,500, 2.9% Medicare
W-2 job plus 1099 side income: wages use up the Social Security wage base and withholding offsets the balance
2026 federal income tax with the standard deduction, QBI deduction, senior deduction, and child tax credit
Married filing jointly with each spouse's self-employment tax figured separately
Quarterly estimated payments with the 90% / 100% / 110% safe-harbor rules and the $1,000 threshold
Catch-up plan after a missed estimated payment
Due dates Apr 15, Jun 15, Sep 15, 2026 and Jan 15, 2027 as a calendar file with reminders
Printable PDF worksheet laid out like the IRS Form 1040-ES worksheet, with a payment record

Try asking ChatGPT

“I made $60k on 1099 with $8k expenses, single. How much self-employment tax and income tax do I owe for 2026?”

“Quarterly estimated tax: $95k freelance, $15k expenses, single, 2025 tax $14,200, AGI $98k. What do I pay each quarter?”

“Quarterly estimated tax payment due dates 2026 with calendar reminders”

Limitations

Estimate only, not tax advice; tax year 2026 federal only
State income tax is not calculated (the planner says whether your state has one)
Not included: capital gains rates, AMT, net investment income tax, earned income credit, penalty amounts, annualized installment method, farmers and fishermen rules
Above the 2026 QBI threshold the phase-in uses W-2 wages the business paid; property basis (UBIA) is treated as 0

Connect

Install QuarterWise 1099 Tax Planner from the ChatGPT plugin directory. Developers can connect the MCP endpoint directly: https://self-employment-tax.zovo.one/mcp