Tax Integrity LLC

If you don’t have tax withheld, the IRS may still expect taxes during the year.

Estimated taxes are generally quarterly payments for income that isn’t covered by withholding—like self-employment income, 1099 work, side gigs, interest, dividends, rental income, or certain capital gains.

A common approach is to estimate your current-year tax and pay in four installments (typically due in April, June, September, and January). Another method many taxpayers use is the “safe harbor” concept—paying enough during the year to reduce the chance of an underpayment issue, even if income changes.

Practical takeaway: Review your year-to-date income now, set aside a percentage for taxes, and schedule the next estimated payment date on your calendar. If your income spikes, update your estimate rather than waiting until tax season.

If you earn income without tax withholding, quarterly estimated taxes may apply.

Estimated tax payments are commonly used by freelancers, 1099 contractors, side-gig earners, landlords, and small business owners. Paying during the year helps align your tax with your income as it happens.

A practical approach is to review last year’s return, your year-to-date profit, and any changes (new clients, higher rent income, selling investments). Then set aside a percentage of net income and schedule payments ahead of deadlines.

Practical takeaway: Keep a running year-to-date profit estimate and create a recurring calendar reminder to review and pay estimates each quarter (or monthly if your income varies).