Quarterly taxes, caught up and handled for you

Whether you're a few quarters behind or just getting organized, Heard adds up what you owe and rolls anything you missed into your next payment. You get current with the IRS, without the spreadsheets or the math.

Book a free consult
Quarterly tax estimates
Projected from your year-to-date books
Q1Q2Q3Q4
Q3 estimate
$3,500.00
▤  Due next
September 15, 2026
Projected Q3 income$21,000.00
Deductions tracked- $7,000.00
Effective rate25%
Set aside for Q3$3,500.00
Review estimate
59%

of therapists missed at least one quarterly tax payment last year

$198M

in deductions tracked in 2025 by Heard

20,000+

quarterly estimates calculated by Heard every year

Compliance, without the stress

Most therapists pay quarterly taxes based on last year's income. If your practice grew, you under-pay all year. If it slowed or moved to part-time, you over-pay and wait for a refund. And plenty skip the payments altogether, then owe it all at once. Heard keeps you compliant from quarter to quarter, with a number that reflects what's happening in your practice, and it folds anything you've missed into your next payment.

Without Heard
Flat estimates from last year's income
April 2026 tax bill Owed
$7,600
Quarterly payments followed last year's smaller practice. Your caseload grew 40% this year.
Q1$1,500
Q2$1,500
Q3$1,500
Q4$1,500
×A lump sum in April you didn't plan for
×Deductions pieced together once a year
×Books and taxes living in separate places
×Multi-state filings priced per state, every year
With Heard
Estimates that follow your actual practice
April 2026 tax bill Owed
No big surprise
Quarterly payments matched your real income, so April is usually a small balance or refund instead of a shock.
Q1$3,100
Q2$3,400
Q3$3,500
Q4$3,600
✓Reminders before each quarterly deadline
✓Therapist-specific deductions tracked year-round
✓Step-by-step guidance on how to pay, plus unlimited support along the way
✓Multi-state filings included at no extra cost

Never worry about a quarterly payment again

Self-employed therapists pay income tax four times a year, not once. Miss one and the IRS charges penalties and interest until you catch up. Heard handles your taxes year-round, so each payment is based on what you're earning now, not last year's income.

Q1 2026✓ Paid
April15,2026
$3,100
estimated payment
Covers January to March income
Q2 2026✓ Paid
June15,2026
$3,400
estimated payment
Covers April to May income
Q3 2026Due next
September15,2026
$3,500
estimated payment
Covers June to August income
Q4 2026Upcoming
January15,2027
$3,600
estimated payment
Covers September to December income
Annual filingFiled by Heard
March 15, 2027
S-corp return
April 15, 2027
Personal return
S-corps file both; everyone else files just the personal return. Quarterly payments are credited, usually a small balance or refund.

Why four payments? The IRS expects self-employed income to be taxed "as you earn it." If you wait until April, the IRS can charge penalties and interest on every quarter you underpaid. Paying in four smaller installments spreads the cost across the year and helps you avoid that, so April stays smaller.

Book a free consult

Five things working together

Heard keeps your books current, estimates your taxes from how your practice is doing, and tells you when it's time to pay.

Your estimate reflects this year, not the last one

Your estimate is based on your income growth, so you pay closer to the right amount each quarter and April brings fewer surprises.

  • ✓Updated each quarter as your practice changes
  • ✓Federal and state filings included at no extra cost
  • ✓Adjusts for planned time off, sabbaticals, or a lighter month
Projected annual income
Updated each quarter as your practice changes
+40% vs. last year
Projected 2026
$80,000
This year (projected)Last year

Miss a quarter? Your next estimate catches you up

Each estimate adds up what you owe for the year so far and subtracts what you've already paid. Miss a quarter or two and that shortfall moves straight into your next number, so you catch up without touching a spreadsheet.

  • ✓Each quarter counts your full year-to-date tax, minus every payment you've made
  • ✓A skipped quarter rolls into your next estimate on its own
  • ✓You never have to do the catch-up math yourself
If you skipped Q1 and Q2
Your Q3 estimate rolls them in automatically
Q1 (skipped)$3,100.00
Q2 (skipped)$3,400.00
Q3 this quarter$3,500.00
Your Q3 estimate$10,000.00
The catch-up is built into the number you see, so there's nothing for you to do.

We nudge you before each deadline and walk you through paying

As each deadline approaches, we send reminders so it's not on you to remember. Each one points you to the amount to pay and walks you through IRS Direct Pay and your state portal. Have a question along the way? Our team answers it, with no cap on support.

  • ✓Email and in-app reminders ahead of each deadline
  • ✓Federal and state deadlines tracked separately
  • ✓Unlimited support from real humans
  • ✓Payments match to your transactions automatically
Your 2026 deadlines
Reminders as each deadline approaches
Q1April 15
Q2June 15
Q3September 15
Q4January 15
Today✉
Q3 estimate ready to review

Heard calculated $3,500 based on your latest income. Step-by-step payment guide inside.

Sep 8♧
Deadline approaching

We'll walk you through IRS Direct Pay and your state portal. Reply anytime with questions.

Sep 14⚠
Due soon

Pay directly at IRS Direct Pay. We'll log the payment to your books.

Every deduction found, so you pay less

Heard's bookkeepers categorize every transaction and flag the deductions that matter for private practice: software, CEUs, supervision, liability insurance, and more. Each one lowers your quarterly bill.

  • ✓Reviewed by a real bookkeeper who knows therapists
  • ✓Deduction rules built around private practice
  • ✓Anything ambiguous gets a quick yes-or-no from you
Deductions tracked
Auto-categorized from your connected accounts
S
Software & toolsSimplePractice, Zoom, Calendly
12 transactions$3,600.00
CE
Continuing educationCEUs, supervision, books
6 transactions$2,800.00
LI
Liability insuranceHPSO annual
1 transaction$264.00
Total deductions tracked$6,664.00

Your books stay current, so taxes never pile up

Because Heard does your bookkeeping all year, your quarterly estimate is never a guess. At year end we reconcile your books and file your taxes, with fewer last-minute surprises.

  • ✓Connects to your bank
  • ✓Closed each month by your bookkeeping team
  • ✓Year-end filing handled on the same platform
INCOME
$
Therapist Income (Stripe)
Client payments sync daily
✓
$
Therapist Income (Direct Deposit)
Deposits auto-match
✓
EXPENSES
H
Heard Platform
Bookkeeping & tax categorized
✓
SP
SimplePractice
EHR & practice management
✓
▣
Your books, managed by Heard
Categorized in real time, reviewed monthly by your bookkeeping team
QUARTERLY
Q
QTE calculated
Projected, not last year's
✓
YEAR-END
Tax
Return ready to file
Reconciled at year end
✓

Everything you need to know about QTEs

Have a question we didn't cover? Our team has answered a thousand versions of these. Reach out anytime.

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.