Your invoice is not your take-home
Part of every payment may need to be set aside for income and self-employment taxes.
Tax and bookkeeping for freelancers & consultants
Keep more of every invoice you send.
Track client payments and business expenses, get tax deadline reminders, and prepare your tax return with AI and tax professional review. All in one plan.
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40,000+tax returns prepared every year
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Freelance income is the cleanest version of the 1099 story and the easiest to get wrong. Direct clients report on a 1099-NEC at $2,000 or more for 2026, platforms report card payouts on a 1099-K at $20,000 and 200 transactions, and plenty of smaller clients report nothing at all. It is all one business on one Schedule C, and the deductions that separate consultants who keep their money from those who overpay are home office, software, equipment, and a real quarterly plan.
Platform Specific Guidance
Start with where you earn.
Each platform handles pay, fees, and tax documents differently. Pick yours for guidance shaped around the way you earn.
Don’t see your platform? You are still in the right place.
If you earn 1099 or other non-W-2 income, the same core tools can help you understand your forms, estimate taxes, and identify potential deductions.
Freelance & Pro Tax Basics
When taxes are not taken out, you need a plan.
Smaller clients still count
Income may still need to be reported even when a client never issues a 1099.
Every client adds its own paperwork
Contracts, invoices, and 1099s from different clients and platforms can pile up fast.
Quarterly payments may apply
Your overall tax situation may require estimated payments during the year.
From invoice to tax time
You do the client work.
We help with the tax side.
One plan for client payments, business expenses, tax questions, and your return.
Tap a step to see how it works.
Your business, at a glance
This monthClient payments$6,850
Platform payouts$1,240
Business expenses$318
Recent records
Brand strategy projectClient payment$2,400.00
Upwork service feePlatform fee$62.00
Design softwareSubscription$54.99
Ask a tax expert
Example conversationTax professional
Yes. Business income is taxable whether or not a form arrives. Your own record of the payment is enough to report it, and we’ll make sure it lands in the right place.
Your tax return
Example preparationMatch payments to your records
AI prepares your return
A tax professional reviews it
Your business, at a glance
This monthClient payments$6,850
Platform payouts$1,240
Business expenses$318
Recent records
Brand strategy projectClient payment$2,400.00
Upwork service feePlatform fee$62.00
Design softwareSubscription$54.99
Ask a tax expert
Example conversationTax professional
Yes. Business income is taxable whether or not a form arrives. Your own record of the payment is enough to report it, and we’ll make sure it lands in the right place.
Your tax return
Example preparationMatch payments to your records
AI prepares your return
A tax professional reviews it
You paid for it. Is it worth a closer look?
Everyday work costs.
Potential write-offs.
Tap a category. See what could be worth reviewing with a tax expert.
Software & tools
Project tools, design apps, cloud storage, and accounting software may be worth reviewing.
Keep the billing history that shows what each subscription is for.
Home office
Work from home? A space used regularly and only for client work may be worth reviewing.
Regular, exclusive business use matters. Your method affects what you can claim.
Computer & equipment
Laptops, monitors, and other equipment you use for client work may be worth reviewing.
Only the business-use share may count, so keep a note of how you split personal and work use.
Platform fees
Upwork, Fiverr, and payment processors take a cut before you’re paid. Those service fees may be worth reviewing.
Your platform’s annual earnings summary usually lists the fees it took.
Client travel
Travel to meet clients, work on-site, or attend industry events may be worth reviewing.
Commuting to a regular workplace generally doesn’t count. Note the purpose of each trip.
Courses & training
Courses, certifications, and books that sharpen the skills you already sell may be worth reviewing.
Training generally needs to relate to the work you do now, not a new career.
Real answers for 1099 earners
A tax pro in your corner
Every client pays differently.
Your answers shouldn’t.
Work through client income, home office questions, and estimated payments with a tax professional who understands freelance work.
- “A client paid me but never sent a 1099. Do I still report it?”
- “Does the desk in my spare bedroom count as a home office?”
- “How much should I set aside from each invoice?”
Everything in one plan
One plan for your
whole client roster.
Tools to stay organized.
Real experts when you need them.
- AI tax return + tax pro review
- Bookkeeping software
- Client payment & expense tracking
- Ask a tax expert
Also included: onboarding call + tax checkup, filing deadline reminders, and a complimentary tax extension request.
Get 15 days free
Then $19.99/month
Get Started for FreeCancel before your trial ends and you won’t be charged.
Freelance & Professional Services FAQs
Asked before every filing season.
Do I combine platform and direct-client income?
Yes, it is one business with multiple income sources. One estimate, one quarterly plan, one return.
What is the home office deduction really?
A workspace used regularly and exclusively for business may qualify, by square footage or actual costs. Records decide it.
When do quarterly payments start?
Generally once you expect to owe tax that withholding will not cover, often the first profitable year.
Freelance & Pro Articles
Tax tips for freelancers and consultants.
Plain-language guides on client income, home office deductions, and planning ahead for tax time.
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Schedule C Deductions: The Complete List
Every Schedule C expense category for 1099 earners, with real examples, car and home office rules, what belongs on your 1040, and the records to keep.
Freelance & Pro8 min read
Gig Worker Tax Guide
Learn how gig worker taxes work in 2026: which 1099 forms to expect, what you can deduct, quarterly deadlines, and how much to set aside from each payout.
Earn your way. Get support for what comes next.
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