# Holdback: 1099 Tax Calculator — Self-employed quarterly taxes

> Self-employed quarterly taxes (iPhone/iPad app by PETALFORM LLC.)

- Source: https://appshunter.io/ios/app/holdback-1099-tax-calculator/id6809992158 (this page in markdown: same URL + `.md`)
- Developer: [PETALFORM LLC](https://appshunter.io/developer/6776037172)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 15.1 · 43 MB
- Languages: American English
- Released: 2026-09-15
- Data updated: 2026-10-11

## What is Holdback?

The 1099 tax calculator for freelancers, contractors, and gig workers: know how much estimated tax to set aside from every payment, and what quarterly tax to pay the IRS.

Self-employed? No one is taking taxes out for you. Holdback works out the share of every payment you should move to a tax savings account, and the four quarterly estimated payments to send the IRS, then reminds you before each deadline.

How it works
- Set your filing status, state, and roughly what you expect to earn.
- Log each payment as you get paid. Holdback tells you the dollar amount to set aside, rounded up so you're never short.
- See your running total, your effective rate, and what's due next quarter.

What it covers
- Federal self-employment tax and income tax, the standard deduction, and a conservative QBI deduction
- The No Tax on Tips and No Tax on Overtime deductions, with a daily tip log and a year-end statement to substantiate them
- State income tax for most states (flat and graduated)
- 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: your set-aside rate, the quarterly plan, and the calculator.
Holdback Plus: payment tracking, 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
- Form 1040-ES: https://www.irs.gov/forms-pubs/about-form-1040-es
- 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
- 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.

Terms of Use (EULA): https://ankit013002.github.io/holdback-support/terms
Privacy Policy: https://ankit013002.github.io/holdback-support/privacy

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Holdback Plus Monthly | $6.99 | per month |
| Holdback Plus Annual | $49.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Holdback Plus Lifetime | $99.99 | one-time |


## Is Holdback safe?

Not enough ratings yet to assess Holdback.

## Is Holdback legit?

Holdback: 1099 Tax Calculator appears legitimate, with a few gaps. The AppsHunter Legitimacy Score for Holdback is 65 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 3 releases)

### 1.0.2 — 2026-10-07

Every estimate now links to the official IRS sources it is based on, and the new Sources and disclaimer screen lists them all.

### 1.0.1 — 2026-09-29

Minor improvements and stability updates.

### 1.0 — 2026-09-15

No release notes.

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All apps by PETALFORM LLC: https://appshunter.io/developer/6776037172

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-10-11.*