ONI Consulting
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Estimated Tax Calculator

Federal income tax, state tax (all 50 states + DC), and FICA split between employee and employer — with a W-2, self-employed, or S-corp mode.

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Your income

$

Your salary before any withholding.

$

Interest, dividends, taxable retirement distributions, etc.

Adjustments & withholding

$

Traditional 401(k), 403(b), or traditional IRA. Reduces AGI.

$

Mortgage interest, SALT (capped at $10K), charitable. Leave 0 to use standard deduction.

$
$

Federal tax

Adjusted Gross Income (AGI)$80,000
Deduction (greater of standard / itemized)− $15,000
Federal taxable income$65,000
Federal income tax$9,214
State income tax — California$3,467

Note: Mental Health Services Tax of 1% adds to taxable income over $1M (not modeled).

FICA / SECA payroll taxes

Employee share
Social Security (6.2%)$4,960
Medicare (1.45%)$1,160
You pay (fed + state + employee FICA + SE)$6,120
Employer share (paid by your S-corp or employer)
Social Security (6.2%)$4,960
Medicare (1.45%)$1,160
Employer pays (FICA match)$6,120

Total tax burden

You pay (fed + state + employee FICA + SE)$18,801
Employer pays (FICA match)$6,120
Effective rate
23.5%
Marginal federal rate
22%

Withholding & quarterly estimates

Total withheld (fed + state)$0
Estimated balance due$12,681
Suggested quarterly payment$3,170

Split the balance due across the four Form 1040-ES deadlines: Apr 15, Jun 15, Sep 15, Jan 15.

Estimates only. Uses 2025/2026 federal brackets and current-year state rates. AMT, NIIT, local income tax, and complex QBI phase-in for SSTBs are not modeled. Please confirm with a tax professional before making payments.

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Need help planning quarterly payments or S-corp reasonable salary?

The calculator handles the math; a professional handles the judgment calls — QBI, entity structure, state nexus, and multi-state allocation.

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