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Self-employed · $89

Freelancers overpay because nobody asked them the right question.

Not because they cheated the other way. Mileage nobody logged, a home office they assumed was a red flag, health premiums they thought needed itemising, a retirement account that's still open until April. We ask.

Every Schedule C line, with the ones people forget called out

Advertising, contract labour, insurance, legal, office, rent, repairs, supplies, taxes and licences, travel, utilities, wages — plus meals at their correct 50%, and depreciation with Section 179 and bonus.

Mileage at 70¢, the number most self-filers leave at zero

Ten thousand business miles is a $7,000 deduction. We ask for the miles, compute the standard rate, and show you the actual-cost alternative so the choice is informed rather than accidental.

The home office, without the folklore

$5 a square foot up to 300 — $1,500 with no receipts to keep. It stopped being an audit flag years ago. The test is regular and exclusive use, and we tell you exactly what to photograph in case anyone asks.

Self-employment tax computed properly

92.35% of net earnings, 15.3% to the Social Security wage base, 2.9% above it — and the half you deduct back against income tax, which is the part hand calculations always miss.

The QBI deduction, including the hard part

20% below the threshold, the W-2 wage and property limits inside the phase-in range, and the specified-service rules above it. Most software either stops at the threshold or quietly gets it wrong.

Health insurance straight off your income

Medical, dental and long-term care premiums for you and your family, deducted without itemising. It's the most valuable line freelancers never fill in.

A SEP-IRA that's still open

Roughly 20% of your net income, up to $70,000, deductible on this return, and the deadline is your filing deadline — extensions included. We compute your room and show you the tax it saves.

Next year's quarterlies, set up before you leave

The safe-harbour figure, the four due dates, and the arithmetic behind it. Underpayment penalties are entirely avoidable and almost entirely unavoided.

Link your bank and we'll do the year for you
Connect the account you run the business through and we categorise every transaction into Schedule C lines, flag the personal ones, and show you what's left to classify. Reviewing a categorised year takes minutes; reconstructing one from receipts takes a weekend.

What $89 covers

Your federal return, every state return you need, Schedule C, Schedule SE, the QBI deduction, investments and rentals if you have them, the deduction finder, the audit report, e-filing and refund tracking. The equivalent tier elsewhere is $139 plus roughly $59 per state.

See what you're missing.

Start free and the deduction finder runs as soon as there's enough to work with.

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