Xearno Tools

Self-Employment Tax & Quarterly Estimated Payments (2026 1040-ES)

us_self_employment_quarterly_taxes

Read-only

How much you’ll owe on 2026 freelance income — SE tax, income tax, QBI — and the exact quarterly payment the safe-harbor rules actually require. The first-year freelancer’s tax planner. Computes your 2026 self-employment tax (both halves of Social Security and Medicare — including how W-2 wages eat the $184,500 wage base first), federal income tax with the QBI deduction, and then the number that matters: the quarterly estimated payment §6654 actually requires. That number usually does NOT depend on what you earn this year — the safe harbor is 100% of last year’s tax (110% if prior AGI topped $150k), and if you owed $0 last year, no estimated payments are required at all. General AI reliably misses these mechanics and quotes stale parameters; this uses the 2026 Form 1040-ES figures directly.

Input Schema

TableJSON Schema

Name	Required	Description	Default
`filing`	No	Filing status	single
`w2Wages`	No	W-2 wages this year (if side-gigging) Your day-job wages matter twice: they eat the Social Security wage cap first (shrinking your SE tax), and their withholding counts toward the safe harbor.
`seProfit`	No	Expected 2026 self-employment profit Profit, not revenue — revenue minus business expenses. Entering gross revenue here is the most common way freelancers over-pay.
`priorYearTax`	No	Total tax on your 2025 return The "total tax" line (line 22-ish) on your 2025 Form 1040. This is the safe-harbor anchor: pay 100% of it (110% if prior AGI > $150k) and you cannot be penalized regardless of what you earn this year — THE thing first-year freelancers don’t know. If you owed $0 in 2025, enter 0.
`w2Withholding`	No	Federal income tax withheld at the W-2 job (annual) From your pay stubs — federal income tax only. Withholding is treated as paid evenly across the year, which matters for the safe harbor.
`priorAgiOver150k`	No	Was your 2025 AGI over $150,000? Over $150,000 ($75,000 married filing separately), the prior-year safe harbor rises from 100% to 110% of last year’s tax.	no

TDQS

A4.4/5.0

Behavior4/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

Discloses read-only nature (consistent with readOnlyHint=true), explains underlying mechanics (wage base interaction, safe harbor), and uses current year parameters. No contradictions with annotations.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness4/5

Is the description appropriately sized, front-loaded, and free of redundancy?

Front-loaded with key output, each sentence adds value. Slightly verbose but all information is relevant and earns its place.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness4/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

Covers purpose, key constraints, and exceptions (safe harbor). No output schema, but return values implied. Sufficient for agent decision-making.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters5/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

With 100% schema coverage, the description adds significant extra context for each parameter (e.g., 'profit not revenue', 'safe harbor anchor', 'withholding treated as paid evenly'). Enriches understanding beyond schema.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose5/5

Does the description clearly state what the tool does and how it differs from similar tools?

The description clearly states the tool computes 2026 self-employment tax, income tax, QBI deduction, and required quarterly estimated payments using specific IRS parameters. It distinguishes itself from general AI and sibling tools with detailed mechanics.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines4/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

Provides explicit guidance on safe-harbor rules, warns common mistakes (gross revenue vs. profit), and explains when estimated payments may not be needed. Does not explicitly mention alternatives among siblings, but context is clear.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.

All Xearno Tools tools Inspect

Try in Browser

RayrunBuild, deploy, and operate MCP servers without becoming an infrastructure team.ray.runAd

Glama MCP Gateway

Add one secure layer between your agents and this server.

TDQS

A3.9/5.0

Disambiguation4/5

Each tool targets a distinct niche (e.g., specific country tax rules, loan types, or legal calculations), with detailed descriptions that clarify boundaries. However, the large number of tools (66) could cause some confusion for an agent trying to select the right one for a general query, especially when multiple tools relate to the same country.

Naming Consistency4/5

Tool names follow a mostly predictable pattern: lowercase words separated by underscores, often starting with a country name (e.g., 'uk_stamp_duty_sdlt') or a topic (e.g., 'compound_growth'). There are minor deviations, such as abbreviations ('npv_irr', 'sip') and varying use of verbs, but overall the naming is clear and consistent.

Tool Count3/5

At 66 tools, the server is unusually large and covers an extensive range of financial and legal calculators. While each tool justifies its existence, the count exceeds the typical well-scoped range (3–15), making the server feel bloated. A more modular design might improve coherence.

Completeness4/5

The tool set covers a wide array of domains: personal income taxes, property taxes, loan calculations, investment returns, and specific country regulations. Minor gaps exist (e.g., missing tools for corporate taxes, general retirement planning, or insurance), but the overall coverage is thorough and addresses many niche scenarios that general AI handles poorly.

Resources

Need Help?