Holdback: 1099 Tax Calculator

Get an estimate of what you'll owe before the IRS does. Holdback tells you how much to hold back from money that arrives without enough tax taken out, and whether your withholding covers the rest. It's built for anyone whose paycheck doesn't cover their taxes: freelancers and 1099 contractors, gig workers, people with a W-2 job and a side gig, landlords, investors who sold stock or crypto, and retirees taking IRA withdrawals or Social Security. WILL I OWE IN APRIL? (FREE) - Enter your pay, what's withheld and how often you're paid. In about 30 seconds Holdback compares your withholding with your estimated federal tax. - Short? It estimates the amount to put on your W-4, Step 4(c), to cover it from your remaining paychecks. - Have untaxed income too? It counts your quarterly payments, and shows the W-4 change as an alternative, so you never pay twice. HOLD BACK THE RIGHT AMOUNT - Add every kind of income: a W-2 job, self-employment, rental, interest and dividends, stock or crypto sales, retirement withdrawals and Social Security. Each is taxed its own way. - Log a payment as it arrives and Holdback gives you the dollar amount to set aside, rounded up so you're never short. - See your running total, and the four quarterly estimated payments to send the IRS, with a reminder before each deadline. WHAT IT COVERS - Federal income tax, self-employment tax and the 3.8% Net Investment Income Tax - Lower rates on long-term gains and qualified dividends, capital loss limits, and taxable Social Security - The extra standard deduction and senior deduction for 65+ - The No Tax on Tips and No Tax on Overtime deductions, with a daily tip log - State income tax for most states, and safe-harbor math so you can pay the smaller allowed amount - A year-end summary you can hand to your accountant BUILT TO RESPECT YOUR DATA - Your income stays on your device. Cloud backup is optional. - No bank connections. No ads. No selling your data. Free: the "Will I owe in April?" checkup, your hold-back rates, the quarterly plan and the tax calculator. Holdback Plus (subscription or one-time lifetime unlock): payment tracking, a tip log, deadline reminders, year-end export and encrypted backup. OFFICIAL SOURCES Holdback follows published IRS rules. Check the originals: - Estimated taxes: https://www.irs.gov/businesses/small-businesses-self-employed/estimated-taxes - Tax Withholding Estimator: https://www.irs.gov/individuals/tax-withholding-estimator - Form W-4: https://www.irs.gov/forms-pubs/about-form-w-4 - Publication 505: https://www.irs.gov/publications/p505 - Self-employment tax: https://www.irs.gov/businesses/small-businesses-self-employed/self-employment-tax-social-security-and-medicare-taxes - Capital gains (Topic 409): https://www.irs.gov/taxtopics/tc409 - Social Security benefits (Publication 915): https://www.irs.gov/publications/p915 - Tips, overtime and senior deductions: https://www.irs.gov/newsroom/one-big-beautiful-bill-provisions - State tax agencies: https://www.usa.gov/state-taxes Holdback is an independent app from Petalform LLC. It is not affiliated with, endorsed by, or acting for the IRS or any government agency. It gives estimates, not tax advice, and never files returns. Always confirm with a tax professional.