{"id":40143,"date":"2026-01-15T13:12:13","date_gmt":"2026-01-15T13:12:13","guid":{"rendered":"https:\/\/financialrush.com\/?p=40143"},"modified":"2026-01-15T13:12:13","modified_gmt":"2026-01-15T13:12:13","slug":"fourth-quarter-estimated-tax-deadline-for-2025-is-jan-15","status":"publish","type":"post","link":"https:\/\/financialrush.com\/?p=40143","title":{"rendered":"Fourth-quarter estimated tax deadline for 2025 is Jan. 15"},"content":{"rendered":"

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Artistgndphotography | E+ | Getty Images<\/p>\n<\/div>\n<\/div>\n<\/div>\n

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The fourth-quarter estimated tax deadline<\/a> for 2025 is Thursday \u2014 and you could face a penalty and interest for late or unpaid taxes<\/a> if you miss the due date.\u00a0\u00a0<\/p>\n

Typically, you owe estimated payments<\/a> for income without a\u00a0tax withholding<\/a>, such as earnings from self-employment, contract, freelance or gig economy work. Many filers also make payments for investing income<\/a>, such as year-end capital gains<\/a>, or bonuses<\/a> if needed. <\/p>\n

The January deadline is a “chance to catch up” on 2025 taxes, Tom O’Saben, director of tax content and government relations at the National Association of Tax Professionals, told CNBC.<\/p>\n

For 2025, the quarterly tax deadlines were April 15<\/a>,\u00a0June 16<\/a>, Sept. 15<\/a> and Jan. 15, 2026. These can easily be missed since they don’t match calendar quarters, experts say. <\/p>\n<\/div>\n

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Read more CNBC personal finance coverage<\/h2>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n
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The Jan. 15 fourth-quarter estimated tax deadline comes as the IRS prepares to start accepting individual returns<\/a> for 2025 on Jan. 26.\u00a0<\/p>\n

Many workers could see bigger tax refunds<\/a> this season based on changes enacted by President Donald Trump<\/a>‘s “big beautiful bill,” which includes a bigger standard deduction, a new\u00a0$6,000 tax break for seniors<\/a>, plus tax breaks on tip and overtime income<\/a>, among others. <\/p>\n

However, your refund depends on which provisions impact your situation, according to Garrett Watson, director of policy analysis at the Tax Foundation, a nonprofit think tank.<\/p>\n<\/div>\n

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For example, the tip or overtime deductions are “pretty large compared to some of these smaller items that might be impacting a larger group of folks,” he said. <\/p>\n

Your refund or taxes owed also depends on paycheck withholdings<\/a> \u2014 which generally didn’t change<\/a> after Trump’s legislation \u2014 or other estimated tax payments<\/a> made throughout 2025.<\/p>\n<\/div>\n

How to make quarterly tax payments <\/h2>\n
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You can avoid an IRS underpayment penalty by following the “safe harbor” \u2014 paying at least 90% of your 2025 taxes or 100% of your 2024 taxes, whichever is smaller.<\/p>\n

That threshold jumps to 110% if your 2024 adjusted gross income was $150,000 or more, which you can find on line 11 of\u00a0Form 1040<\/a>\u00a0from your 2024 tax return.<\/p>\n

The safe harbor could prevent a penalty, but you can still owe additional 2025 taxes after filing your return, experts say. <\/p>\n<\/div>\n

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Electronic payments<\/a> are the “most secure, fastest and easiest way to pay,” according to the IRS. <\/p>\n

You can use your IRS Online Account<\/a>, which has key information that could be helpful for the upcoming season. Other payment options include Direct Pay<\/a> or the Electronic Federal Tax Payment System<\/a>.<\/p>\n

While paper checks are still accepted, the IRS announced plans to transition to electronic payments<\/a> in September, which includes refunds and payments made to the IRS.<\/p>\n

“Can people still submit the vouchers<\/a> with a paper check? It appears the answer is yes,” O’Saben with the National Association of Tax Professionals said. “But when is there going to be a moratorium?”\u00a0<\/p>\n<\/div>\n<\/div>\n\n
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