Track what comes in and what goes out against real Schedule C lines. Keep receipts. Log miles. Know what to send the IRS each quarter, before the quarter ends.
For anyone who runs a business — or just got a 1099.
No account. No card. No upload. It opens and you start typing.
Not filing software. The year-round part that makes filing survivable — and the part almost nobody keeps up with.
Every entry maps to an actual Schedule C line. Line 22 supplies, line 24b meals, line 36 inventory. At filing time you read totals instead of sorting a shoebox.
Photograph a receipt at the register. It attaches to the expense and stays on your phone. Thousands fit.
2026 has two business mileage rates — the IRS raised it on July 1. Trips are valued by date automatically. Most trackers get this wrong.
Safe harbor or a full projection through self-employment tax, QBI, and the real brackets. Plus the cents per dollar of profit to set aside so the quarters take care of themselves.
One place for everything a preparer will ask for. The checklist adapts to your situation rather than showing everyone the same generic list.
Track who you paid and whether you have their W-9. Flags at the 2026 threshold of $2,000 — and knows not to 1099 card payments, because the processor already did.
Scores your records and names the gaps: expenses over $75 with no receipt, entries with no business purpose, mileage with no reason. Deductions fail on documentation more often than on substance.
See what an $8,000 freezer actually saves before December. Usually less than people hope — which is the point.
Why meals are half deductible. Why you owe two taxes. What an LLC does and does not do. Explained where you hit the question, not buried in a help centre.
Nobody tells you this. There is no letter, no form, no moment where it becomes official. You just drove, or sold, or picked up a side job — and now you file differently than you used to.
Your miles are the single largest deduction you have, and they only count if you logged them. At 76¢ a mile, 10,000 miles is $7,600 off your taxable income.
Materials, shipping, packaging, platform fees, and the portion of your home you work in are all deductible. Most sellers claim none of it.
Paid in cash or through an app, the income is reportable either way — and so are the tools, the drive, and the supplies you bought for it.
An employer quietly pays half of your Social Security and Medicare. Working for yourself, you owe both halves — 15.3% on top of income tax. It is why someone in the 12% bracket can face an effective rate near 25%, and why a first tax bill often arrives far larger than expected.
It is also why deductions matter more to you than to someone on a paycheck. Every one reduces both taxes at once. A mile you did not write down is money you handed over for no reason.
Zack Tax exists for the year-round part: record it as it happens, so April is arithmetic instead of archaeology.
Not a marketing line. There is no server to send them to.
Because nothing is uploaded, nothing syncs. Your phone and your laptop keep separate records, and if you clear your browser data or lose the device, the records go with it.
Download a backup regularly. The app will nag you if you have not. That is the honest cost of not handing your financial life to a company you have to trust.
Worth knowing before you invest a year of records in it.
Only an IRS-authorised e-file provider can transmit a return, and we are not one. What it does is prepare a worksheet with every figure organised by form and line, ready to enter into filing software or hand to a preparer.
It explains how the rules work and calculates from what you enter. It cannot tell you what to do in your situation. Anything involving an election, an entity change, or a large number deserves a qualified preparer.
State income tax is not calculated. The sales tax tool works anywhere but you set your own rate — we do not look up what is taxable where you are.
Automatic import is genuinely convenient. It also means handing over credentials. This is the manual trade: more typing, nothing shared.
Yes, and there is no upgrade waiting. It costs almost nothing to run because there are no servers — the app runs entirely in your browser.
Export a backup from one and restore it on the other. There is no automatic sync, and there cannot be without a server holding your records. That is the deliberate trade.
Everything is erased. This is the one real risk, and it is why the backup button exists and why the app reminds you. Adding it to your home screen also tells the browser to stop clearing it.
Yes, and you are exactly who it is easiest to help. Gig income goes on Schedule C, the same form a storefront uses, so the whole app applies to you — the mileage log most of all.
You do not need an LLC, a business name, or a separate bank account to use it. You just need to have been paid for something other than a regular paycheck.
If you netted $400 or more from self-employment, you are required to file a return reporting it, even if you owe no income tax. Payment apps and platforms report to the IRS separately, so the income is generally visible regardless of what you do.
The good news is that deductions apply at any size. Small income with tracked expenses often produces a much smaller bill than small income with none.
Yes. Add as many as you run and switch between them. Each gets its own Schedule C in the worksheet, which is how the IRS wants it, while quarterly taxes combine them — you file one return no matter how many businesses you have.
They are 2026 federal figures taken from primary sources: IRS revenue procedures, the Social Security Administration, and the statute. Several tax sites were still publishing last year's numbers when this was built, so we went to the source. They are reviewed every January.
Export a CSV and a backup. The CSV opens in any spreadsheet and the figures are organised by Schedule C line, so nothing is locked in.
A small business owner in East Texas who runs several businesses and got tired of April. It was built for those books first, then opened up.
Nothing to set up. Even a $12 box of gloves is a deduction.