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Airbnb Estimated Tax Calculator

Enter your expected net profit for the year and get a federal quarterly estimated-tax figure (Form 1040-ES) plus the next IRS due dates. Built for short-term rental hosts.

$

Gross rental income minus deductible expenses (cleaning, supplies, repairs, platform fees, utilities, insurance, depreciation). If you only know year-to-date, project it to a full year.

%

Your blended (not marginal) federal rate — total federal income tax ÷ taxable income. Line 22 ÷ line 15 on last year's Form 1040 is a reasonable starting point. Default is 15%.

Check this only if you provide substantial services to guests (Schedule C activity). Passive Schedule E rental income is generally not subject to SE tax.

Suggested quarterly payment
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4 equal payments · simplified 1040-ES method
Estimated federal income tax (year)
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Estimated self-employment tax (year)
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Total annual estimate
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Taxable net profit used
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Next four 1040-ES due dates

    How this calculator works

    This is a deliberately simple, transparent estimate — the same quick-estimate engine that powers Roost Ledger:

    1. Income tax = your net profit × your effective federal rate. Negative net profit means $0 estimated tax (losses aren't modeled further here).
    2. Self-employment tax (optional) = 92.35% of net profit × 15.3%, the IRS SE-tax convention. Only applies to hosts running a Schedule C activity with substantial guest services.
    3. Quarterly payment = the annual total split into four equal payments — the simplified 1040-ES approach, not the IRS annualized-installment method.

    What it does not model: safe-harbor rules (100–110% of prior-year tax), the annualized income installment method for seasonal earnings, state estimated taxes, QBI deductions, depreciation recapture, or your other income and withholding. It's a planning number, not a filing number.

    Airbnb estimated-tax FAQ

    Do Airbnb hosts have to pay quarterly estimated taxes?

    Generally, the IRS expects you to pay tax as you earn it. If you expect to owe $1,000 or more in federal tax for the year after withholding and credits, you typically need to make quarterly estimated payments using Form 1040-ES. Many hosts with W-2 jobs instead cover the gap by increasing paycheck withholding — either route works, and a tax professional can tell you which fits your situation.

    When are the payments due?

    The statutory federal due dates are April 15, June 15, September 15, and January 15 of the following year, shifting to the next business day when they land on a weekend or federal holiday. The calculator above shows the next four upcoming dates with weekend shifts applied.

    Do Airbnb hosts pay self-employment tax?

    It depends on how you host. Passive rental income reported on Schedule E is generally not subject to SE tax. If you provide substantial services to guests — daily cleaning, meals, concierge-style hosting — the activity may be a Schedule C business, and the 15.3% SE tax can apply to 92.35% of net earnings. This is one of the most consequential classification questions for STR hosts; get professional advice before deciding.

    What counts as net profit?

    Gross rental income minus deductible expenses: cleaning, supplies, repairs, platform service fees, utilities, insurance, mortgage interest (rental portion), and depreciation. A common trap: Airbnb payouts already have host service fees deducted, so estimating from payouts alone understates gross income and misses deductible fees. Your Airbnb transaction-history CSV has the real numbers.

    Where do I actually pay?

    Federal estimated payments go through IRS Direct Pay or your IRS online account (select "Estimated tax — 1040-ES"). Most states with income tax have an equivalent quarterly system — this calculator covers federal only.

    Stop guessing your net profit

    The hard part isn't the tax math — it's knowing your real year-to-date net profit. Roost Ledger reconciles your Airbnb transaction CSV into per-property P&L, tracks expenses, and puts quarterly estimated taxes on autopilot using your live numbers instead of a guess.

    Try it with your CSV See a sample report first