Estimate your quarterly and annual self-employment taxes as a freelancer, gig worker, Uber driver, or Etsy seller in Montana. Includes 5.75% income tax on top of federal self-employment and income taxes. Updated for 2026.
Not applicable for UK taxpayers. Income tax is calculated on an individual basis.
Enter your numbers and click Calculate to see your tax breakdown.
Using this freelancer tax calculator is straightforward. First, select your country — the calculator supports the United States, Canada, and the United Kingdom with tax rules specific to each jurisdiction. Enter your total annual self-employment income (before deductions) and your business expenses. The calculator automatically subtracts your expenses to find your net taxable income.
Select your filing status (for US and Canada) and your state or province. The calculator uses your location to apply the correct state income tax rate. If you also have traditional employment income — like a W-2 job in the US, T4 employment in Canada, or PAYE income in the UK — enter that amount in the optional field. Then click "Calculate My Taxes" to see your complete tax breakdown, including quarterly payment amounts and due dates.
Montana has a 5.75% rate. This means your total tax rate in Montana includes both federal taxes and state income tax. In addition to IRS payments, Montana requires state estimated tax payments on a similar schedule. Whether you drive for Uber, deliver for DoorDash, sell on Etsy, or freelance as a designer or developer, this Montana quarterly tax calculator gives you accurate payment amounts based on your specific location.
Freelancers in Montana should save 28-32% of their income for taxes to cover federal self-employment tax, federal income tax, and state income tax. The exact percentage depends on your annual earnings and filing status — use this calculator to get precise numbers.
As a self-employed freelancer in Montana, you must make estimated quarterly tax payments to the IRS on April 15, June 15, September 15, 2026 and January 15, 2027. In addition to IRS payments, Montana requires state estimated tax payments on a similar schedule. Missing these deadlines results in underpayment penalties and interest charges.
United States: The IRS requires self-employed individuals to pay taxes on their income throughout the year, not just once during tax season. Quarterly estimated tax payments cover your self-employment tax (Social Security and Medicare) plus your federal income tax and state income tax. Payments are due four times a year: April 15, June 15, September 15, and January 15 of the following year. If you expect to owe $1,000 or more after accounting for withholding, you must make estimated payments or face underpayment penalties.
Canada: The Canada Revenue Agency (CRA) requires self-employed individuals to make quarterly instalment payments if your net tax owing exceeds C$3,000. Payments are due March 15, June 15, September 15, and December 15. Canadian self-employed individuals also pay both portions of CPP contributions.
United Kingdom: HMRC operates a "payments on account" system. If your Self Assessment tax bill exceeds £1,000, you make two advance payments each tax year — due January 31 and July 31 — each equal to 50% of your previous year's tax bill. Any remaining balance (balancing payment) is due the following January 31.
A general rule of thumb is to set aside a percentage of every payment you receive. The right percentage depends on your income level, country, and filing status. Use this table as a starting guide:
| Annual Income | Suggested Savings % |
|---|---|
| Under $30,000 | 20–25% |
| $30,000 – $60,000 | 25–28% |
| $60,000 – $100,000 | 28–32% |
| Over $100,000 | 30–35% |
Uber and rideshare drivers face a unique tax situation. Unlike traditional employees, Uber does not withhold taxes from your fares. The IRS classifies Uber drivers as independent contractors, meaning you're responsible for your own federal income tax, self-employment tax (Social Security and Medicare), and state income tax. Use this quarterly tax payment calculator for Uber drivers to estimate exactly how much to set aside from each ride. The standard approach is to save 25–30% of your net earnings (after Uber's commission and expenses) for taxes. Uber provides a yearly Tax Summary in your Dashboard — use the "Annual Net Earnings" figure as your starting income in this calculator, then subtract vehicle mileage, phone expenses, tolls, and other business deductions.
DoorDash drivers — like all gig economy workers — must make estimated quarterly tax payments if they expect to owe $1,000 or more at tax time. DoorDash classifies its Dashers as independent contractors (1099-NEC), so no taxes are withheld from your deliveries. Use this quarterly tax estimator for DoorDash drivers free to calculate your estimated payments. Enter your total DoorDash earnings (found in your Dasher Dashboard under "Pay" or the yearly Tax Summary), subtract your deductible expenses (mileage at $0.70/mile in 2026, hot bags, phone plan, car maintenance), and the calculator will show you exactly what to pay each quarter. Most DoorDash drivers should save 25–30% of their net delivery income for taxes.
Etsy sellers operating as sole proprietors or LLCs must pay estimated quarterly taxes on their shop income. Etsy reports your sales to the IRS on Form 1099-K if you exceed $600 in gross sales. However, your taxable income is your gross sales minus Etsy's fees (listing fees, transaction fees, payment processing), cost of materials, shipping supplies, packaging, and home office deductions. Use this estimated quarterly taxes for Etsy sellers 2026 calculator to see exactly what you owe. Enter your annual Etsy revenue after fees and materials, choose your state (since Etsy sellers must also pay state income tax), and get your quarterly payment amounts with due dates. Many Etsy sellers find they owe between 20–30% of their net profit in combined federal and state taxes.
Starting your first year as a freelancer? The process is simpler than you think. Step 1: Estimate your annual net self-employment income (total revenue minus business expenses). Step 2: Use this calculator to determine your quarterly tax amounts. Step 3: Pay online via IRS Direct Pay, the IRS2Go app, or EFTPS. For 2026, the four payment due dates are April 15, June 15, September 15, and January 15, 2027. New freelancers often worry about overpaying — but the IRS safe harbor rule protects you: if you pay at least 90% of what you owe or 100% of last year's tax liability, you won't face underpayment penalties. Start with smaller payments in your first year and adjust as your income becomes clearer.