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Quarterly Tax Estimator — real spreadsheet preview
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Inside this file: 7 tabs: Start Here, Tax Profile, Ledger, Estimator, Payments, Dashboard, Lists

Quarterly Tax Estimator

Nobody withholds tax for you - know what to set aside.

$19Launch priceBuy now — $19

This is the price checkout charges — no extra fees are added. Launch pricing runs until 31 January 2027; after that it is $26.

Instant downloadFree replacement if a file will not openQuestions answered within one business day

  • Instant download — nothing ships
  • 1 Excel file (.xlsx), works in Excel 2010+, Google Sheets and WPS
  • Sample data and a Start Here tab included
  • Single-user license — buy once, keep forever
  • Plain .xlsx file — no macros, no add-ins, nothing to install
  • Questions? hello@sheetharbor.com

Freelancers do not get tax withheld, and April always hurts. This workbook turns "how much should I set aside?" into one number you can check every quarter: self-employment tax, federal income tax and a flat state estimate, with the safe-harbor rule built in so you neither overpay nor get penalised.

What's inside

THE FULL FEDERAL PICTUREEnter your filing status once. The workbook applies the 2026 IRS brackets (single, married filing jointly, head of household), the 92.35% SE factor, the Social Security wage base and half of your SE tax as a deduction - bracket by bracket, not one flat rate.
SELF-EMPLOYMENT TAX DONE RIGHTSocial Security 12.4% up to the wage base, Medicare 2.9% with no cap, the 0.9% additional Medicare on high income, and W-2 wages eating into your cap if you also have a day job.
A QUARTERLY PAYMENT LEDGERFour deadlines worked out for you (Apr 15, Jun 15, Sep 15, Jan 15). Log what you actually paid; each quarter shows Paid, Overdue or Due, with the gap in red.
SAFE HARBOR, EXPLAINED AND APPLIEDCompares 90% of this year's tax with last year's total (100%, or 110% above $150k AGI), shows whichever is lower and tells you exactly how far your payments are from penalty-free territory.
EVERYTHING EDITABLEBrackets, SE parameters, categories and the standard deduction all live on one Lists tab. When the IRS changes the numbers for 2027, you edit the tables and the whole workbook follows.

Who it's for

US-based freelancers, 1099 contractors and solo owners who owe estimated tax and would rather plan than guess. This is a planning tool, not filing software - it tells you what to set aside so filing season is not a shock.

How it works

  1. Fill in the Tax Profile - filing status and a few basics (2 minutes).
  2. Log income and expenses on the Ledger - one row per event, the quarter follows the date.
  3. Read the Estimator and the Payments tab: what you will owe, what to set aside each quarter, and whether you are penalty-free.

What you get

  • 1 Excel file (.xlsx) – Excel 2010+, WPS and Google Sheets
  • 7 tabs: Start Here, Tax Profile, Ledger, Estimator, Payments, Dashboard, Lists
  • 30 sample rows and a worked example, so every number is visible on day one
  • Single-user license – instant download

Questions before you buy

What exactly do I get?

One .xlsx file: 7 tabs: Start Here, Tax Profile, Ledger, Estimator, Payments, Dashboard, Lists. Every tab ships pre-filled with sample data, and a Start Here tab walks you through setup in a few minutes.

Which apps can open the file?

Microsoft Excel 2010 or newer, Google Sheets (upload it to Drive and it converts automatically) and WPS Office. No plugins, macros or add-ins are required.

Does it work on a Mac or a phone?

Yes. Excel for Mac and Google Sheets in any browser both open it fully. On a phone you can read it and tick items, but editing columns is far easier on a computer.

Can I reuse it every month or year?

Yes. The single-user license lets you keep and reuse Quarterly Tax Estimator for your own work for as long as you like. Reselling or sharing the file is not permitted.

What if the file will not open, or I picked the wrong template?

Email hello@sheetharbor.com with your order address and we reply within 24 hours. Broken, incomplete or duplicate orders are refunded or replaced. If you bought the wrong template, tell us within 14 days before downloading it and we will swap or refund it. The full terms are on the refund policy page.

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