QUARTER
Know exactlywhat you can spend.
Every deposit, taxes already set aside. See your real safe-to-spend balance the moment income lands, not at the end of the quarter when it's too late.
Monthly income
Safe to spend
$019.5% effective · TX · 2026 IRS brackets
Estimate only. Not tax advice.
Full calculatorSee your real number.
No signup, no bank link. Enter your income and get your safe-to-spend in seconds. Estimates only. Not tax advice.
Total gross 1099 income for the year
Deductible business expenses (software, home office, mileage)
CA, NY, TX, FL, IL supported in v1.
Includes self-employment tax (15.3%) and the QBI deduction, every Quarter user is a freelancer or 1099 contractor, so this always applies.
Enter your income to see your number
Takes about 10 seconds
Not a bank. Bank data via Plaid and SimpleFIN, read-only. We never move your money.
How we protect your moneyHOW IT WORKS FOR YOU
Your money, fully accounted for.
Quarter gives you one clear number on every deposit: exactly how much is safe to spend, with taxes already set aside.
Spend what you have. Reserve what you owe.
Quarter flags the tax slice on every deposit, automatically. When a great month comes in, you know exactly how much is yours to keep.
Your actual rate. Not a flat guess.
Real IRS brackets, self-employment tax, and your state rate applied to your actual income. No flat 30% over-saving at lower incomes or under-saving at higher ones.
Every deposit, already accounted for.
Your safe-to-spend updates the moment income lands. No spreadsheet to maintain, no quarterly catch-up. The number you need is always current.
Automatic on every deposit. No setup after your first connection.
HOW IT WORKS
Three steps. No manual math.
Connect your income
Link your business checking via Plaid or SimpleFIN. Stripe, PayPal, and Square connect via OAuth. Every deposit lands in Quarter as classified income.
Taxes reserved per deposit, automatically
The moment income lands, Quarter calculates your blended effective rate (federal plus SE tax plus state) and flags the exact amount to reserve. No manual math, no quarterly panic.
See your real safe-to-spend
Your balance minus tax reserve equals your actual safe-to-spend number. Always current. Updated per deposit. Not a guess based on some spreadsheet formula.
Adjust the income to see how your reserve changes. 2026 IRS brackets, TX single filer. Not tax advice.
WHAT YOU GET
Everything you need to stop guessing.
For anyone who earns irregularly and needs one number they can trust: your exact safe-to-spend, with taxes already set aside.
Your real balance, not just your bank balance
See what you can actually spend after taxes are set aside. Updated the moment income arrives, not at quarter end.
Updates per deposit, not per quarter
Taxes set aside on every payment
Every deposit triggers an automatic reserve. Federal, self-employment tax, and state in one pass. No manual tracking, no spreadsheet.
Federal + SE tax + state, one pass
Estimate reminders with the exact amount
10 days before each quarterly deadline: the precise amount to pay, pre-filled 1040-ES, and a direct link to IRS Direct Pay. No more guessing what you owe.
Rate that grows with your income
Your effective tax rate increases as you earn more. Quarter recalculates per deposit, so your reserve always matches your actual bracket, not a flat guess.
Income from everywhere, in one place
Stripe, PayPal, Square via OAuth. Business checking via Plaid or SimpleFIN. Platform income classified automatically, no manual entry.
Safe-harbor protection built in
Your reserve always meets the IRS penalty-avoidance floor: 100% of last year's tax, or 110% if your AGI was over $150k. No underpayment surprises.
Built on infrastructure you already trust
2026
IRS brackets
5
states supported
$0
moved or held by us
PRICING
Start free. Go deeper when you're ready.
The safe-to-spend calculator is always free. Upgrade to Quarter for automatic reserves and the full dashboard.
or $108/yr. Founders-25 lock: $54/yr for life.
- All Free features
- Auto tax reserve per deposit
- Full safe-to-spend dashboard
- Quarterly estimate reminders
- Stripe, Plaid, SimpleFIN sync
- Safe-harbor floor protection
Refund guarantee if v1 doesn't ship by Day 37
Estimates only. Not tax advice. Verify quarterly amounts with a tax professional.
FAQ
Common questions
GET STARTED
Your real number is one calculation away.
No account. No bank link. Enter your income and see your safe-to-spend in 30 seconds.