OwedZero: 1099 Tax Estimator

Know your quarterly tax number in 60 seconds — and never fear April again.

OwedZero is the "how much do I actually owe?" app for US freelancers, gig workers, and side hustlers. Answer four quick questions and get your safe set-aside percentage and your next IRS quarterly payment. No bank login. No spreadsheet. Your data stays on your phone.

YOUR QUARTERLY NUMBER, THE SMART WAY
• Computes IRS Form 1040-ES estimates with 2026 tax data
• Safe-harbor aware: pays the SMALLER of 90% of this year or 100/110% of last year — penalty-free
• Blends W-2 withholding if you also have a day job (most apps don't)
• All four deadlines with countdowns, catch-up math if you start mid-year, and IRS Direct Pay / EFTPS links

THE SET-ASIDE ENVELOPE
Log a payment and OwedZero tells you exactly how much tax it carries. Move that slice to your own savings account, mark it done, and watch your envelope fill vs. your real liability. Your money never touches ours.

RECEIPTS THAT FILE THEMSELVES
Snap or type a receipt and it lands on a Schedule C category — with the 50% business-meals rule applied automatically. Year-end, hand your preparer a clean export they'll actually thank you for.

MILEAGE AT THE PUBLISHED IRS RATE
The IRS business standard mileage rate changed mid-year in 2026: 72.5¢ per mile from January 1 to June 30, and 76¢ per mile from July 1 to December 31. OwedZero applies the correct rate for the date of each trip, and logs the date-miles-purpose record the IRS expects.

EVERY NUMBER SHOWS ITS MATH
Tap any figure to see the plain-English worksheet behind it. Deterministic math, updated for each tax year — no AI guessing your taxes.

FREE FOREVER
The quarterly calculator, deadlines, manual mileage, and 10 receipts a month are free — really free. Premium ($6.99/mo or $49.99/yr) adds unlimited receipts, the envelope digest, and the preparer export.

WE BILL LIKE WE'D WANT TO BE BILLED
Monthly by default. Cancel in two taps, in the app. Pause for your slow season. A heads-up email a week before any renewal.

Works for DoorDash, Uber, Lyft, Instacart, Etsy, Upwork, Fiverr, creators, consultants, and every other 1099 hustle.

Estimates for planning only — OwedZero is not a tax preparer and does not provide tax, legal, or accounting advice.

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NOT AFFILIATED WITH THE GOVERNMENT: OwedZero is an independent app. It is not affiliated with, endorsed by, sponsored by, or authorized by the Internal Revenue Service (IRS) or any government agency. All figures are estimates for planning purposes only and are not tax, legal, or accounting advice.

Official IRS sources (IRS.gov):
• Form 1040-ES, Estimated Tax for Individuals: https://www.irs.gov/forms-pubs/about-form-1040-es
• Estimated taxes and quarterly due dates: https://www.irs.gov/businesses/small-businesses-self-employed/estimated-taxes
• Standard mileage rates: https://www.irs.gov/tax-professionals/standard-mileage-rates
• IRS Direct Pay: https://www.irs.gov/payments/direct-pay-with-bank-account
• EFTPS (Electronic Federal Tax Payment System): https://www.irs.gov/payments/eftps-the-electronic-federal-tax-payment-system