September 16 Tax Deadline: What US Small Businesses Must File

For many US small businesses, September means more than just the end of summer—it’s also time to prepare for the third-quarter estimated tax payment. The deadline this year is September 16, 2025 (moved from the usual September 15 because it falls on a weekend). This deadline applies to income earned between June 1 and August 31, 2025.

Whether you manage your books in-house or work with accounting services in the US, staying ahead of this deadline helps avoid penalties and keeps your business compliant.

What Needs to Be Filed by September 16?

Estimated Tax Payment (Form 1040-ES or equivalent)

Small business owners—including sole proprietors, freelancers, S corporations, and partnerships—must calculate and submit their Q3 estimated taxes using Form 1040-ES or the appropriate form for their entity type. Payments can be submitted through:

  • IRS Direct Pay

  • EFTPS (Electronic Federal Tax Payment System)

  • IRS2Go mobile app

  • Check or money order via mail

State-Level Estimated Tax (if applicable)

If your state imposes income tax, you may also need to file a separate estimated tax payment. Check with your state’s Department of Revenue for deadlines and forms.

How to Prepare Effectively

1. Review Your Q3 Income and Expenses

Ensure your books are current. Accurate financial data is essential for calculating how much tax you owe. Accounting services that use smart automation tools can help update and reconcile records faster and more accurately.

2. Adjust Tax Withholdings if Needed

If your income changed significantly this quarter, consider adjusting your withholdings or estimated payments. This prevents overpaying or underpaying your taxes and reduces your risk of year-end surprises.

3. Gather Supporting Documentation

Prepare and organize the following:

  • Updated profit and loss statements

  • Receipts for deductible expenses

  • Payroll records and contractor payments

  • Bank transaction summaries

This documentation helps both with payment accuracy and audit readiness.

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Why Timely Estimated Tax Payments Matter

Missing a quarterly tax payment can result in:

  • Penalties for underpayment

  • Interest on unpaid balances

  • Additional scrutiny from the IRS

Even if you expect a refund at year-end, penalties may apply if quarterly payments are insufficient. It’s always safer to pay as you go.

How Accounting Services in the US Help Small Businesses

Small business owners often benefit from working with accounting professionals who use automation tools like Smart Rules to:

  • Automatically categorize income and expenses

  • Track earnings throughout the quarter

  • Ensure up-to-date records for more accurate tax estimates

  • Prepare forms and reports in advance of tax deadlines

Accounting services bring accuracy and consistency to your financial management, especially around deadlines like September 16.

Additional Tips for Q3 Tax Prep

  • Use the IRS Withholding Estimator to calculate your payment

  • Refer to IRS Publication 505 for special rules for farmers, fishermen, and fiscal-year taxpayers

  • Maintain digital or physical records of all payments and confirmations

  • Mark your calendar for Q4 estimated payments (due January 15, 2026)

Summary

If you’re a US small business owner, the September 16, 2025 estimated tax payment deadline is one you can’t afford to miss. Prepare by reviewing your Q3 earnings, updating your records, and submitting payments using Form 1040-ES or state equivalents. Consider working with a professional accounting service that uses smart automation to improve accuracy and ease the process. Staying proactive with your taxes means fewer penalties and a smoother year-end filing.

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Here are some articles you might find helpful:

Steps to File Small Business Taxes

Setting Up Payroll for Your Business

Payroll Essentials for Startups

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