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THE TAX WHALE™
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THE TAX WHALE™
🐋 1099 Tax Tracker
2026

Your Money At A Glance

Safe To Spend
?
$0.00
Income − Expenses − Tax Est. (28.9%)
📖 12% bracket · View Tax Reference →
Income
$0.00
Expenses
-$8.00
Est. Tax
-$128.49
Total Income
$0.00
Year to date
Total Write-Offs
$0.00
Actual paid to date
Net SE Income
$0.00
After deductions
Est. Tax Owed
$0.00
Federal + state

Next Quarterly Payment

Q3 — Due Sept 15, 2026
49 days away
Covers Jun–Aug
Total Tax Est.
$128.49
Full year estimate
Due This Quarter
$32.12
Pay by Sept 15, 2026
✅ Q3 Paid!
Recorded: 7/2/2026
📋 Payment History 2026
✅ Q3Paid 7/2/2026
$38.42
⚡ W2 + Side Hustle Mode
Your 1099 income is taxed at the 12% bracket because it stacks on top of your $80,000 W2 salary.

Tax Savings Jar 🫙

Q1Q2Q3
→ Q4 · Due Jan 15$128.49
✅ Q3 · Due Sep 15$96.37
✅ Q2 · Due Jun 15$64.25
✅ Q1 · Due Apr 15$32.12
Building toward Q4 · $28.49 to go
78% saved
Add To Jar
$
Total saved: $100.00 of $128.49
⏰ Overtime Deduction (2025-2028)
$0.00
Premium overtime saved from federal tax

Tax Calculation

SE-taxable base (×92.35%)$0.00
Self-employment tax (15.3%)$0.00
Half SE tax (deductible)-$30.80
Standard deduction-$32,200.00
Overtime deduction-$210.00
Federal taxable income$0.00
Federal income tax 10% bracket$0.00
State tax —$0.00
TOTAL ESTIMATED TAX$0.00
Estimates only. Consult a CPA for your actual tax liability.

Income By Stream

Other$444.00 (100.0%)
Includes all income, expenses, mileage, overtime + receipt photos
🔒 Your data never leaves this device. No servers, no data breaches, your numbers stay yours.
📱 This app is device-specific. Data saved here will not appear on other devices or desktops. Use Backup to transfer your data to a new device.
💡 Backup saves a file to your Files app under Downloads (usually iCloud Drive). Send a copy lets you email it or choose where it goes.
📂 To Restore: tap Browse at the bottom of the picker, then Downloads.
📋 CPA Export includes all receipt photos — open on your phone to export.
📸 PHOTO STORAGE 0%
0 receipt photos saved
🗓️ Starting a New Tax Year?
Once you've filed and backed up this year's data, you can clear everything to start fresh for the new tax year.
TheTaxWhale.com · by Wealth With Eve
💰
Add Income
Log every payment you receive
💰 Income
⏰ Overtime
Set-Aside Amount (auto)
$0.00
Based on your tax estimate
✍️
Add Expense
Log write-offs and subscriptions
💡 Click Here For 20 Common Write-Offs →
IRS requires receipts for expenses over $75
🚗
Add Mileage
IRS rate auto-calculates your deduction
IRS Deduction · 72.5¢/mile (2026)
$0.00
Auto-calculated at IRS standard rate
⚠️ Mileage Rate DisclaimerThe IRS standard mileage rate is subject to change by federal law. Always verify at IRS.gov before filing. This app updates rates annually.
⏰
Add Overtime
Track your tax-free overtime premium
💰 Income
⏰ Overtime
⚡ One Big Beautiful Bill — No Tax On OvertimeThe premium portion of overtime (the "half" of time-and-a-half) is deductible from federal income tax for 2025–2028. Single: up to $12,500/year. Joint: up to $25,000/year.
Total OT Pay
$0.00
Rate × Hours × 1.5
Tax-Free Premium
$0.00
The "half" — deductible!
Remaining Annual OT Deduction
$25,000.00
Max $12,500 single / $25,000 joint per year

Transaction History

Total Income
$0
Total Expenses
$0
Total Mileage
$0
OT Premium
$0

Settings

Your Name
First Name
Used to personalize your welcome screen and CPA report
Tax Year & Filing
Tax Year
Filing Status
📖 Tax Reference & Brackets›
🛟 Help & FAQ›
State & City Tax
State
State Tax Rate6.85%
City
City Tax Rate3.876%
Employment Type
Income Type
Annual W2 Salary
💡 Your 1099 income stacks on top of your W2 salary and is taxed at your marginal rate. Enter your W2 details for accurate estimates.
Set-Aside & Savings
Recommended %25% (SE + state + city)
Already Saved ($)
Overtime (One Big Beautiful Bill)
Annual Max$25,000.00 (Joint)
OT Used$0.00
OT Remaining$25,000.00
Your License Key
—
Save this somewhere safe — a screenshot or note is fine. If you ever clear your browser or switch phones, you'll need it to get back in. It was also emailed to you when you purchased.
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TheTaxWhale.com · by Wealth With Eve · All data stored on your device

Tax Reference

💡 Why Side Hustlers Get Surprised At Tax Time
At your W2 job your employer quietly covers half of your Social Security and Medicare taxes — you never see it leave your paycheck.

On your 1099 side hustle you pay the full 15.3% yourself — both the employee AND employer share. That's before federal income tax. Before state. Before city.

This is why the bill always shocks people. SafeToSpend calculates all of it in real time so you're never surprised.

2026 Federal Tax Brackets

SINGLE FILER
MARRIED FILING JOINTLY

Self-Employment Tax (SE Tax)

SE Tax Rate15.3%
Applied to92.35% of net income
Social Security portion12.4%
Medicare portion2.9%
Half SE tax deductible✅ Yes
💡 W2 employees pay 7.65% — their employer covers the other half. As a 1099 worker you pay the full 15.3% yourself. That's why your set-aside % is higher than your tax bracket suggests!

2026 Standard Deductions

Single$16,100
Married Filing Jointly$32,200
Head of Household$24,150
Married Filing Separately$16,100

Overtime Deduction (2025–2028)

Single / HoHUp to $12,500
Married Filing JointlyUp to $25,000
What qualifiesPremium "half" only
⚡ One Big Beautiful Bill 2025 — The premium portion of overtime (the "half" of time-and-a-half) is deductible from federal income tax through 2028.

IRS Mileage Rates

202570¢ per mile
202672.5¢ per mile
Subject to change by IRS annually. Always verify at IRS.gov before filing.
💡 See 20 Common Write-Offs →
All figures are estimates for planning purposes only. Tax laws change. Always consult a licensed CPA before filing.
💡
20 Write-Offs You Might Be Missing
Nursing, realtors, TV/film, rideshare, affiliate & Etsy
💡 Not Sure What Counts?
Most side hustlers overpay — not because they did anything wrong, but because nobody told them what's deductible. Skim this before your next expense entry.
1Home Office Deduction
Most Missed
If you use part of your home exclusively for business, you may be able to deduct a portion of rent, utilities, and internet. Even a dedicated workspace may qualify.
💡 Calculate your square footage business-use % — even a desk corner counts!
2Phone & Internet Bill
The business-use portion of your monthly phone and internet bill is deductible — most side hustlers use their phone for business constantly.
💡 Estimate your business-use % (typically 50–80%) and deduct that portion.
3Education & Courses
Online courses, books, and training directly related to your business or skill set are fully deductible — marketing, social media, finance.
💡 Save all receipts. Courses that help you earn income qualify!
4Software & Subscriptions
Canva, Adobe, scheduling tools, email platforms, and tax tracking apps — software used for your business is typically deductible — that may include THE Tax Whale™!
💡 Keep a list of every monthly/annual subscription and mark the business ones.
5Business Mileage
72.5¢/mi 2026
Every mile driven for business is deductible — showings, open houses, client meetings, set visits, deliveries. Commuting to a regular workplace doesn't count. The 2026 IRS standard rate is 72.5 cents per mile — this adds up fast.
💡 Use the Mileage tab to log trips and auto-calculate your deduction.
6Marketing & Advertising
Paid ads, sponsored posts, Etsy listing fees, Facebook/TikTok/Instagram ads — plus realtor staples like listing photography, staging costs, open house signage, and closing gifts (up to $25 per client). Any money spent promoting your business is fully deductible.
💡 Keep receipts for all ad spend. Even boosted posts count!
7Equipment & Tech
Ring lights, cameras, microphones, laptops, tablets, lockboxes & yard signs, specialized engineering tools or test gear — equipment used for your business is typically deductible. Large purchases may need depreciation.
💡 Keep receipts and note the business-use percentage.
8Professional Services
CPA fees, legal fees, bookkeeping, business coaching, and agent or manager commissions — all deductible. Hiring a CPA may pay for itself.
💡 The cost of professional tax prep is itself a write-off.
9Health Insurance Premiums
Huge & Missed
If self-employed and paying your own health insurance, you may be able to deduct your premiums. Two limits: the deduction can't exceed your net self-employment profit, and it typically doesn't apply for any month you were eligible for a spouse's or employer's plan.
💡 Consult your CPA — this can be significant for full-time 1099 workers.
10Overtime Premium Deduction
New 2025–28
Under the One Big Beautiful Bill, the premium portion of overtime pay is deductible from federal income — up to $12,500/year.
💡 The Overtime tab automatically tracks and calculates this for you.
11Retirement Contributions
Huge & Missed
A SEP-IRA or Solo 401(k) lets self-employed people shelter a large chunk of income from tax — often thousands more than a regular IRA allows.
💡 Ask a CPA about SEP-IRA vs Solo 401(k) — the contribution limits are surprisingly high.
12Bank & Payment Processing Fees
PayPal, Stripe, Venmo business fees, and bank charges on a business account all count — they quietly add up over a year.
💡 Check your monthly statements — these fees are easy to overlook.
13Shipping & Packaging Supplies
Boxes, tape, labels, bubble wrap, and postage for an Etsy or product-based business are all deductible business expenses.
💡 Save receipts from craft/packaging stores, not just the shipping labels.
14Tolls & Parking
Separate from mileage — tolls and parking fees paid while working (rideshare, delivery, client visits) are deductible on top of your per-mile rate.
💡 Log these in Mileage notes so they don't get lost in a stack of receipts.
15Licenses & Continuing Education
Nursing license renewals, real estate license & MLS dues, union dues (IATSE, DGA), required CEUs, certifications, and professional association fees are deductible if tied to your income-earning work.
💡 Keep renewal receipts — these are easy to forget since they're annual, not monthly.
16Props, Wardrobe & Set Supplies
Outfits, backdrops, and props bought specifically for content, promotional, or production use can qualify — including set supplies and materials a TV/film freelancer buys out of pocket. Everyday clothing generally does not.
💡 The key test: would you own it anyway if you weren't creating content?
17Business Insurance
Liability insurance, equipment insurance, or a rider on your policy for business gear is a deductible cost of doing business.
💡 Check if your renter's/home policy already has a business rider you're paying for.
18Website & Domain Costs
Domain renewals, hosting, funnel/landing page tools, and email marketing platforms used to run your business are all deductible.
💡 Annual domain renewals are easy to forget since they only bill once a year.
19Uniforms & Required Work Gear
Scrubs, non-slip shoes, and safety gear required for work — and not suitable for everyday wear — are deductible. A common one for nursing.
💡 The test: if you wouldn't wear it outside of work, it likely qualifies.
20Second Phone Line / Business SIM
Often Forgotten
If you keep a dedicated business phone number or second SIM, that full cost is typically deductible — no business-use percentage math needed.
💡 A second line is simpler to write off than splitting your personal phone bill.
For informational purposes only — not tax, legal, or financial advice. Always consult a licensed CPA before filing.
🛟
Help & FAQ
Quick answers to common questions
💾 How do I back up my data?
Your data lives only on this device — no cloud, total privacy. On the Dashboard, tap Backup Data. On a phone you can then choose iCloud Drive, Files, or email it to yourself — anywhere off the phone works. Do this regularly, and always before switching phones.
⚠️ Careful with "Clear History and Website Data"
Read This
On iPhone, that button erases website history and saved app data together — there is no way to clear just one. It will erase your Tax Whale entries, including receipt photos.

Two things protect you: add the app to your Home Screen, and keep a recent backup saved to iCloud. With a backup you can always restore everything.
💡 Android: clearing "Cookies and site data" in Chrome does the same thing. Clearing only browsing history is safe.
📱 How do I move to a new phone?
On your old phone: Dashboard → Backup Data, save the file. On your new phone: open the app, go to Dashboard → Restore, and upload that backup file. Everything transfers.
⚠️ Will clearing my browser erase my data?
Clearing browser history is safe. Clearing cache or site data WILL erase your app data — always back up first. This is the #1 way people lose data.
🔑 I lost my license key
Check your purchase confirmation email — your key is there. Can't find it? Email support@thetaxwhale.com with your purchase details and we'll help you out.
📵 Does the app work offline?
Yes — once loaded, everything works without internet. Your license re-checks online occasionally, with a generous grace window, so a spotty connection never locks you out.
🔍 How do I find old entries?
Open History and use the search box at the top — it searches categories, income streams, descriptions, and notes (like a property address on a mileage entry).
📋 How do I get my tax report?
Tap Export Full CPA Report on the Dashboard. You can print it, save as PDF, or tap Share to send it straight to your accountant — receipts included.
✉️ Still stuck?
Email support@thetaxwhale.com — we'll get back to you within 48 hours.
THE Tax Whale™ · thetaxwhale.com

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