47 million Americans are self-employed. 60% of them underpay or overpay their quarterly estimated taxes — losing money to penalties or giving the IRS an interest-free loan. TaxPrepPilot turns quarterly tax prep into a 10-minute conversation. Tell it about your income and expenses, get auto-categorized Schedule C line items, calculated quarterly payments with full math shown, and flagged deductions you're probably missing. ## What's included - **Auto-categorize business expenses** into all 20+ IRS Schedule C categories — advertising, travel, office, meals (50%), car/truck, contract labor, insurance, more - **Quarterly estimated payments (Form 1040-ES)** — self-employment tax (15.3%), income tax at your bracket, applicable deductions - **Safe harbor compliance check** — minimum payment to avoid underpayment penalties (100% prior year or 90% current year) - **Commonly missed deduction flags** — home office ($5/sqft simplified or actual), vehicle mileage, health insurance premiums, retirement contributions (SEP-IRA, Solo 401k), QBI deduction (20% of qualified business income) - **Mixed W-2 + 1099 income handling** — factors in W-2 withholding so you don't overpay estimated - **Year-end Schedule C data** ready for TurboTax / FreeTaxUSA / your CPA - **Persistent business memory** — each quarter builds on the last, tracking income trends + expense patterns + forecast accuracy - **Step-by-step calculations** — every tax number explained - **No API keys or credentials required** ## Limitations - **Not a CPA** — handles the 80% common case; complex returns (foreign income, multi-state, S-corp election, ESOP) need a tax professional - **Not a bookkeeper** — categorizes what you paste in; doesn't sync with QuickBooks / Wave / Xero - **Not legal counsel** — entity-structure questions (sole prop → LLC → S-corp election) need attorney + CPA - **U.S.-federal-focused** — state-specific tax overlays adapt; Canadian / UK / AU entirely different - **Single-business scope** by default — multiple 1099 sources combined; multi-entity owners run per-entity sessions ## Best fit Freelancers, solopreneurs, gig workers, independent contractors, and anyone with 1099 income making $30K-$300K/year. Especially valuable for self-employed earners 1-3 years in who've never been organized about quarterly tax — a freelancer earning $80K who misses just the home office + QBI deductions overpays by ~$3,200/year. That's money sitting in the IRS's pocket instead of yours.
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