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Free rental income tax withholding calculator. Build a simplified Schedule E rental profit, apply your marginal federal ordinary rate, then split the annual tax into quarterly and monthly buckets—or spread it across W-2 paychecks as a Step 4c planning hint. More on the payroll and tax calculator hub.
Last updated: April 21, 2026
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Taxable rental income (simplified)
$5,300
Estimated annual federal on rental profit
$1,166
Quarterly set-aside (¼)
$292
Monthly set-aside (¹⁄₁₂)
$97
Extra federal withholding / pay (planning)
$44.85
Annual rental tax ÷ 26 pays — not your employer’s exact calculation
Cash flow before tax
$14,800
After-tax (proxy)
$13,634
Cash before tax minus modeled federal on rental profit
Taxable profit
Before passive limits
Depreciation lowers taxable income even though it is non-cash for cash-flow views.
User-chosen %
Stacks on other income
Aligns with how many landlords talk with CPAs before locking withholding or estimates.
Even splits
¼ and ¹⁄₁₂
Simple savings targets before you wire IRS estimated payments.
52 / 26 / 24 / 12
Per pay add-on
Optional when you also have a job and want withholding to absorb rental tax informally.
No depreciation in cash
Proxy after-tax
Shows cash before tax without depreciation, then subtracts modeled federal on rental profit.
What we skip
NIIT, state, PAL
Detailed mode lists passive loss limits and safe harbors not modeled.
$48,000 rent, $9k operating, $14k interest, $6k property tax, $12k depreciation, 24% marginal:
Taxable rental profit
$7,000
Quarterly set-aside
$420
Annual gross rents minus operating expenses, mortgage interest, property taxes, and depreciation yields a simplified taxable rental profit. When that amount is positive, the calculator multiplies it by your entered marginal federal ordinary income tax rate to approximate annual federal income tax attributable to that rental slice. One-fourth of that annual estimate is shown as a quarterly set-aside, one-twelfth as a monthly set-aside. If you choose a payroll frequency, the same annual estimate is divided evenly across that many paychecks to illustrate how much extra federal withholding per pay might cover the rental tax if added on Form W-4 Step 4c—your employer still uses IRS withholding tables. Cash flow before tax excludes depreciation; an after-tax proxy subtracts the modeled federal rental tax from that cash figure.
Rent − expenses − interest − tax − depr → profit × marginal rate → annual tax → splitShare it with landlords and property managers
Suggested hashtags: #RentalIncome #Landlord #EstimatedTax #ScheduleE #Withholding