Quarterly payments, minus the guess
By the Harborview team · 6 min read
Skimp on installments and penalties bite; overshoot and you drain the working capital keeping you alive. The correct figure is findable — here's our quarterly method.
Open with the safe harbor
Covering 100% of last year's bill (110% at upper incomes) across four equal parts shields you from fines whatever this year brings. It's the plainest baseline — rarely the final word, yet always a handy ceiling.
Then size up real earnings
For seasonal or fast-climbing outfits, we annualize profit to date each quarter and tax that run rate. When income swings, payments mirror the present instead of last year's tale.
Sync payments with cash rhythm
Equal slices are a legal habit, not a commercial one under annualization. We place payments near your cash crests so tax week never sparks a squeeze.
Revisit quarterly
A landmark contract, a fresh hire, a kit purchase — each rewrites the sum. Fifteen review minutes a quarter separates a surprise refund from a penalty letter.
Stop estimating in the dark.
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