Is Sept. 15 flagged on your tax calendar? It’s the deadline for individuals to make their third 2026 estimated tax payment.

Estimated payments are generally required if you expect to owe at least $1,000 in federal tax for 2026 after withholding and credits, and your withholding won’t equal at least 90% of your 2026 tax liability or 100% or 110% (depending on your 2025 income) of your 2025 tax liability. This may be the case if you have income from self-employment, investments or other sources not covered by withholding.

Staying current with estimated payments can help you avoid underpayment penalties and a larger tax bill on April 15.

If you have questions, contact your Kemper advisor for help reviewing your estimated tax payment situation.