Q1
Jan-Mar
Due April 15
Freelancer Tax Reserve Calculator
Estimate how much to keep untouched for taxes before you decide what is safe to spend from your business account.
Tax Inputs
Safe-to-Spend$
$
$
$
Recommended reserve target
$7,200
Estimated rate
30% of net income
Next due date
June 15, 2026
Still needed
$2,700
Amount to add to your reserve before spending freely.
Quarterly target
$1,800
A simple quarter-by-quarter planning number.
Tax reserves are part of Safe-to-Spend.
Your bank balance includes money that may belong to tax authorities. FlowCFO strips that out before telling you what is safe to spend.
Automate Tax ReservesYTD income
$30,000
Deductions
-$6,000
Net income
$24,000
Saved coverage
63%
Quarterly schedule
Plan around the dates that cause surprises
Q2
Apr-Jun
Due June 15
Q3
Jul-Sep
Due September 15
Q4
Oct-Dec
Due January 15
Safe-to-Spend Calculator
See what is left after taxes, bills, and a safety buffer.
Open calculatorCountry-specific tax rules
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