For 1099 workers · tax years 2020–2026

Know what you owe.
Prove what you deducted.

Nobody told you self-employment tax is 15.3% off the top, before income tax even starts. Ledgerproof shows you the real number for free — then helps you keep records that survive being questioned.

Your current tax year is free. No card to see your number.

Already got a letter?

Go straight to the years in question. Ledgerproof reconstructs 2020 through 2026, grades every deduction by whether the evidence would actually hold, and produces a frozen package your CPA — or the examiner — can open in a browser and print.

Start with the year you were noticed on

Three things people find out too late

All three are avoidable. None of them are your fault — this was never explained to you.

01

The tax is bigger than you think

An employee sees 7.65% leave their check and never learns their employer paid another 7.65%. You owe both halves — before income tax. "Set aside 20%" leaves people short every year.

02

The deductions weren't on the form

The self-employed health insurance deduction, the retirement contribution, the home office, the mileage. They live in places you'd only find if you already knew to look.

03

The records don't hold

For vehicles, travel and meals, tax law forecloses estimation entirely. A judge is not permitted to approximate one for you, however obviously you incurred it. Most people learn this from a letter.

Built backward from the return

Every question exists because some line of a Schedule C, Schedule SE or §199A worksheet can't be computed without it. Nothing is asked for the sake of a profile.

Your number, as you go

Answer six questions and see a real estimate: self-employment tax, income tax, what you still owe, and what percentage of the next dollar you actually keep. It updates as you type.

A set-aside rate that's yours

Computed from your actual combined marginal rate, not a rule of thumb. "Save 30%" is too much at low income and dangerously short at high income.

Every deduction with its evidence

A total on its own is a number. A total with its evidence is a position. Each expense is graded by whether what you have would survive a challenge — and told plainly which ones can't be estimated.

1099 reconciliation

The IRS receives a copy of every 1099 issued to you and matches them automatically. Reporting less than the forms show is the most common way people get a notice. We catch the gap first.

Six years back

2020 through 2026, each computed on that year's actual rules — the mid-year mileage changes, the temporary 100% meal deduction, the limits that moved. Getting a prior year right means using that year's law.

A package that holds up

Schedule C line totals with the ledger behind each one, the worksheets, a substantiation report, and the open questions left for a licensed preparer. Frozen and content-hashed, so the copy they hold is provably the copy you sent.

What this isn't

It doesn't file your return. There's no transmission to the IRS. This produces an organised, defensible package for a preparer — it's not a replacement for one.
It doesn't compute state tax. It flags where your state diverges from federal — most states don't allow the 20% qualified business income deduction, and California's estimated payments aren't four equal quarters — but the state return is your preparer's.
It tells you when it isn't sure. Every figure traces to a revenue procedure or IRS notice. Where a number couldn't be confirmed from a primary source, it's labelled provisional rather than presented as settled law. Risk signals say plainly whether they're documented IRS behaviour or our own model — the IRS doesn't publish how returns are selected, and pretending otherwise would be convenient and untrue.

Pricing

Priced by situation, not by feature tier. You're either getting organised or you're in trouble, and those need different things.

Free
$0
no card
  • Your current tax year, in full
  • The profile interview
  • Audit-readiness score and fixes
  • Manual entry and 1099 reconciliation
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Audit Rescue one-time
$249 once
not a subscription
  • Everything, permanently
  • All six prior years unlocked at once
  • Built for a deadline — nothing to renew
  • Access never expires
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Your current year stays free on every plan, and everything you enter stays yours whether you subscribe or not.

Find out where you actually stand

It takes about five minutes to get a real number, and it costs nothing.

See what you owe — free