For 1099 workers · tax years 2020 to 2026
Know what you owe.
Prove what you deducted.
Self employment tax takes 15.3% before income tax starts. Ledgerproof shows your real number as you type, then grades every deduction by whether your proof would hold up.
See what you owe, freeCurrent tax year free. No card. Every figure cites its IRS source.
$6,826.97
Self employment tax on $48,317 net profit
Three things people find out too late
None of this was explained to you. All of it is avoidable.
The tax is bigger than you think
An employee never sees the 7.65% their employer pays. You owe both halves, before income tax. A flat 20% set aside can leave you short.
The deductions weren't on the form
Health insurance you pay yourself. Retirement contributions. The home office. You only find them if you already know where to look.
Estimates don't count
For vehicles, travel and meals, tax law does not allow estimates. A judge cannot guess the amount for you. Most people learn this from a letter.
A total on its own is a number.
A total with its evidence is a position.
What you get
Built backward from the return
Every question maps to a line on Schedule C, Schedule SE or the §199A worksheet. Nothing is asked just to fill a profile.
Your number, as you type
Self employment tax, income tax, what you still owe, and how much of your next dollar you keep.
A set aside rate that's yours
Based on your real marginal rate, not a rule of thumb that is too high at low income and too low at high income.
Deductions graded by proof
Each expense is marked holds up or needs work, with the exact record that would fix it.
Your 1099s matched to your return
The IRS matches every 1099 by computer. We catch the gap before it turns into a notice.
How it works
Three steps from first answer to CPA package
01
Answer the interview
Your work, your vehicle, your 1099s. See your estimate update with every answer.
02
Attach the proof
Enter expenses or import a bank CSV. Each one gets a grade and a fix list.
03
Hand over the package
Schedule C totals with the ledger behind each line, frozen and content hashed for your CPA.
Proof
Each past year on that year's own law
Most tools quietly reuse this year's rules. Here are a few places that gets you a wrong answer.
| Rule | Ledgerproof uses | Source |
|---|---|---|
| 2025 standard deduction, single | $15,750 | OBBBA §70102 |
| Form 1099-K reporting threshold | $20,000 and 200 transactions | OBBBA §70432 |
| 2025 §179 expensing limit | $2,500,000 | OBBBA §70306 |
| Figures we could not confirm | Labelled provisional | Never shown as settled |
Pricing
Priced by your situation, not by feature tier
Free
$0
no card
- Your current tax year, in full
- Audit readiness score and fixes
- 1099 reconciliation
Year round Most people
$149
per year, or $19.99 a month
- Everything in Free
- All six prior years, 2020 to 2025
- The CPA and examiner package
- CSV import from bank or platform
Audit Rescue One time
$249
paid once, never renews
- All prior years unlocked at once
- Built for a notice deadline
- Access never expires
Already got a letter from the IRS?
Go straight to the years in question. We rebuild them on each year's law and produce a package your CPA or the examiner can open and print.
Questions
What people ask before they start
Does Ledgerproof file my return?
No. Nothing is sent to the IRS. The optional One Click Tax Return builds a PDF you print and mail yourself, and the CPA package is built for a preparer to file from.
Is this tax advice?
No. It does math using published federal rules and organises your records. It is not a substitute for a CPA, enrolled agent or tax attorney.
Does it do state tax?
It flags where your state differs from federal, for example states that don't allow the 20% qualified business income deduction. The state return itself is your preparer's job.
What does free actually include?
Your current tax year in full: the interview, the estimate, the audit readiness score and 1099 reconciliation. No card is asked for.
Which work does it cover?
1099 and self employed work reported on Schedule C, such as rideshare, delivery and similar trades. It does not handle Schedule E, Schedule F, K-1s or itemized deductions.
Why do past years need their own rules?
Mileage rates changed mid year, meals were briefly 100% deductible, and limits moved every year. A past year done on this year's law is wrong.
What happens to my data if I cancel?
It stays yours. Your current year stays free, and nothing you entered is deleted when a subscription ends.
I have a notice with a deadline. Is this enough?
The deadline on the notice is real. Use Audit Rescue to rebuild the years, and talk to a professional as well.