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No. Pro is unlocked with a license key you receive after checkout. Paste it into Quartersafe once on each browser you use.

No. One Pro license covers any number of businesses and years while it's active.

Yes. Cancel monthly and yearly plans anytime from the customer portal link in your receipt, and Pro stays active until the end of the paid period. The 7-day pass never renews.

If Quartersafe can't read your file or adds up your income or expenses incorrectly, contact us within 14 days of purchase for a full refund.

It reads your 2026 business income and expenses, works out your 2026 federal tax (self-employment tax and income tax), the safe-harbor amount that avoids an underpayment penalty, and the required installment for each quarter under both the regular method and the annualized income installment method (Form 2210 Schedule AI). Then it subtracts what you've paid and shows what to pay by January 15, 2027. It doesn't pay or file anything.

No. Your file is read by JavaScript in your browser tab and never sent to us or anyone else. Transactions aren't stored, so closing the tab clears them. Settings can be saved in this browser.

From Form 1040-ES and the Form 2210 instructions: you generally won't owe an underpayment penalty if, on time each quarter, you pay at least the smaller of 90% of your 2026 tax or 100% of the tax on your 2025 return — 110% if your 2025 adjusted gross income was over $150,000 ($75,000 if married filing separately). You also owe no penalty if your 2026 tax minus withholding is under $1,000.

April 15, June 15 and September 15, 2026, and January 15, 2027. You can skip the January payment if you file your 2026 return and pay all the tax due by February 1, 2027.

If your income was uneven — say a slow spring and a busy fall — you can work out each required installment from the income you'd actually earned by the end of each period (March 31, May 31, August 31, December 31) using Form 2210 Schedule AI. That can lower or remove the penalty for the early quarters. Quartersafe runs it for you and compares it with the regular 25%-a-quarter method.

CSV, tab-separated or Excel with a date and an amount on each row — positive for income, negative for expenses — or separate income and expense columns. A description and category are optional and help spot IRS payments and transfers. Download the template to see the layout.

Importing any number of rows, the tax estimate, the safe harbor, both methods' installments, what to pay by January 15, and every check, plus the first Schedule AI period line by line on screen and in print (with a footer). Pro shows and prints the full Schedule AI worksheet without the footer and exports the Excel workbook, a Schedule AI CSV and the categorized transactions CSV.

State estimated tax, capital gains and qualified dividend rates, tax credits, itemized deductions, other taxes such as the net investment income tax, the qualifying-surviving-spouse status (use married filing jointly, which shares its tables), and farmers' and fishermen's rules. The QBI deduction is left out above the income threshold where its limits begin.

No. Quartersafe applies Form 1040-ES and Form 2210 (with Schedule AI) to the data you provide. Ask your tax adviser what applies to you.