Quarterly estimated taxes are the freelance obligation most likely to get missed — not because the math is hard, but because nothing forces you to do it on time.
quarterly_payment = (annual_estimated_tax) / 4nautomate: scheduled transfer 5 days before each deadline
What changed once it was automatic
- No more remembering four separate dates a year
- No scrambling for cash the week of a deadline
- The tax savings sub-account never gets “borrowed from” for something else
The setup takes maybe twenty minutes. The payoff is not thinking about quarterly taxes again until the numbers need adjusting next year.