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 it helps you keep records that hold up when someone asks questions.

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

Already got a letter?

Go straight to the years in question. Ledgerproof rebuilds 2020 through 2026. It grades every deduction by whether the proof would really hold up. Then it makes 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. A flat "set aside 20%" can leave you short.

02

The deductions weren't on the form

Health insurance you pay for yourself (the self-employed health insurance deduction). What you put into retirement. The home office. The mileage. You would only find them if you already knew where to look.

03

The records don't hold

For vehicles, travel and meals, tax law does not allow estimates at all. A judge is not allowed to guess the amount for you, no matter how clearly you spent it. Most people learn this from a letter.

Built backward from the return

Each question is here because a line on your Schedule C, Schedule SE or §199A worksheet needs the answer. Nothing is asked just to fill out a profile.

What you owe, as you type

Answer a few 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

Based on the rate you really pay on your next dollar (your combined marginal rate), not a rule of thumb. "Save 30%" is too much at low income and far too little at high income.

Which deductions would hold up, and which need work

A total on its own is a number. A total with its evidence is a position. Each expense is graded by whether your proof would hold up if challenged. We also tell you plainly which ones can't be estimated.

The gap between your 1099s and your return

The IRS gets a copy of every 1099 sent to you and checks them by computer. When a return reports less than the forms show, that mismatch can trigger a notice. We catch the gap first.

Each past year on that year's own law

2020 through 2026, each worked out on that year's own rules. That means the mid-year mileage changes, the short-lived 100% meal deduction, and the limits that moved. To get a past year right, you have to use that year's law.

A package that holds up

Your Schedule C line totals, with the ledger behind each one. The worksheets. A substantiation report. And the open questions left for a licensed preparer. It is frozen and fingerprinted (content-hashed), so you can prove the copy they hold is the copy you sent.

What this isn't

It doesn't file your return. Nothing is sent to the IRS. It makes a neat package for a preparer that you can defend. It does not replace one.
It doesn't compute state tax. It flags where your state's rules differ from federal. For example, 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 job.
It tells you when it isn't sure. Every figure traces back to an IRS revenue procedure or notice. If we couldn't confirm a number from the original source, it's labelled provisional. We don't present it as settled law. Each risk signal says plainly whether it's known IRS behaviour or our own model. The IRS doesn't publish how it picks returns to audit. Pretending otherwise would be easy, and untrue.

Pricing

Priced by your situation, not by feature tier. You're either getting organised or you're in trouble. 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
See what you owe — free
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
Rebuild past years

Your current year stays free on every plan. Everything you enter stays yours whether you subscribe or not.

Find out where you actually stand

Getting a real number costs nothing.

See what you owe — free