QTE Safe Harbor Calculator

Figure out how much you need to pay the IRS for 2026 quarterly taxes to avoid an underpayment penalty.

This calculator has been prepared for informational purposes only, and is not intended to provide, and should not be relied on, for tax, legal, or accounting advice. It's best to consult with a CPA or tax professional for advice specific to your business.

Quarterly Tax Safe Harbor Calculator | Heard

Quarterly Tax Safe Harbor Calculator

The safe harbor method bases your payments on what you owed last year. Depending on your income, you'll pay either 100% or 110% of your prior year federal taxes, split into four equal quarterly payments.
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Include state estimated taxes
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Check your state's rules first. Not all states require quarterly estimated tax payments — some states don't have income tax at all, and others have different safe harbor rules. This calculator uses the same method of your prior year total state tax (from your state return) ÷4 as a general estimate, but your state's actual requirement may differ. See state-by-state guidance →
Enter your prior year figures above to see your estimate.

This calculator is for informational purposes only and does not constitute legal, business, or tax advice. Each person should consult their own attorney, business advisor, or tax advisor with respect to matters referenced here. Results are estimates based on the information you provide.

Next step: submit your payment

If you have a balance due, this applies to your individual income taxes and is a personal expense. We recommend paying from a personal bank account or card.

Federal taxes

How to pay federal taxes

State taxes

This calculator covers federal taxes only. State rules vary — most states use the safe harbor method for estimated taxes, but not all do. Some states don't require estimated payments at all, while others require you to pay 100% of what you owe. Check your state's website for guidance on your specific situation.

How to pay quarterly taxes in every state

Heard is the only financial management software built for therapists and wellness practitioners that enables you to manage your bookkeeping, taxes, and payroll-all in one place.

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Get our Tax Deduction Cheatsheet for Therapists

Use this cheatsheet to maximize your deductions and save money on taxes for your therapy practice.

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