Questions, answered.

AgentLedger makes Excel and Google Sheets workbooks for independent professionals: tax write-off trackers built for one profession each, and two workbooks for Medicare agents that check every paycheck against the agency’s written pay plan. No accounting software, no subscription and no bank linking.

No. You pay once per tax-year edition: $27 for a tracker, $47 for a Pro Edition, $47 for the Medicare Agent Pay Reconciler and $57 for Medicare Agent Complete. The files are yours to keep. Each new tax year gets its own edition, which you buy only if you choose to. Nothing renews automatically.

Every order with a 2026 profession tracker or a Medicare Agent workbook also includes one free Personal Income & Expense Tracker, so your household books and your work books arrive together.

Pick the one named for your work: Insurance Agent (built for Life and Health agents), Real Estate Agent, Real Estate Agent Pro Edition, Barber & Salon Professional, Barber & Salon Professional Pro Edition, Construction Subcontractor, Owner-Operator Truck Driver, Rideshare & Delivery Driver or Self-Employed Professional. There is also a Personal Income & Expense Tracker for household budgeting. Selling Medicare? See Medicare Agent workbooks below.

There are two Pro Editions. The Real Estate Agent Pro Edition adds profit and loss for every transaction and a team and 1099-NEC contract labor log. The Barber & Salon Professional Pro Edition, for shop and suite owners, adds a chair and booth rent log, retail inventory with a sales tax log, and the same contract labor log.

The Barber & Salon Professional tracker is for self-employed barbers, stylists, nail technicians, estheticians and other beauty professionals who rent a booth, chair or suite or work independently. It is not designed for W-2 employees.

If your profession is not named, including Property and Casualty insurance agents, the Self-Employed Professional Tracker is built to fit. If you run more than one 1099 business, each needs its own tracker, because the IRS wants a separate Schedule C for each.

Start with the Self-Employed Professional Tracker; its categories suit many kinds of independent work. If you need something different, we build custom workbooks from $199. Send a work order at agentledgerllc.com/custom-workbooks and we reply with a written quote. The quote costs nothing, and nothing is charged until you approve it.

Each workbook is built for one tax year and uses that year’s IRS mileage rates, tax brackets and state tax figures. The current edition is for the 2026 tax year. Tracker editions for tax years 2020 through 2025 are available too; see Prior-year trackers below.

A workbook keeps working after its year ends, but its built-in rates are for that year only.

No. Every order includes two editions: an Excel Edition and a Google Sheets Edition that works in any browser. The Excel Edition works in Excel 2007 or later on Windows or Mac, Microsoft 365 and the free Excel mobile app, and it also opens in LibreOffice and OpenOffice; Excel 2016 or later gives the best view. Same categories, same formulas, same tax math. The Google Sheets Edition needs an internet connection and a Google account; the Excel Edition works offline. Apple Numbers is not supported.

Nothing about the math. The Excel Edition locks its formula cells so a stray keystroke does not overwrite a formula. The Google Sheets Edition is not locked, because Google Sheets does not enforce Excel’s cell protection, and we would rather say so plainly. In either edition, type in the cream cells and leave the rest alone.

Each tracker opens on its Dashboard. Enter your name or business name and select your state; both flow through the rest of the workbook. Then log income, expenses and mileage on their tabs as they happen. The totals, deductions and tax estimate update on their own.

The Medicare Agent workbooks open on Start Here. Copy your agency’s written pay plan into 1 My Pay Plan once, then log your sales and type each paycheck as it arrives.

Yes. Your email’s preview lets you look around the workbook. To enter your own numbers, save the attachments and open them in Excel or Google Sheets.

Yes. The Excel Edition works in Excel for Mac, and the Google Sheets Edition works in any browser.

Yes, for the 2026 trackers. You pick your color theme on the product page, from the themes offered for that tracker. The theme changes the look only; the tabs, formulas and tax math are the same in every theme.

Your free Personal Income & Expense Tracker comes in the same color theme as your tracker when that theme is offered for the Personal; otherwise, it comes in Classic Navy & Teal.

The Medicare Agent workbooks and the prior-year trackers come in Classic Navy & Teal only.

This applies to the Excel Edition. Every cell you are meant to fill in is cream-colored and unlocked. White and gray cells hold formulas and labels, and they are locked so a calculation is not changed by accident. You do not need a password for normal use.

Nothing is lost. Your original workbook is still attached to the email it arrived in. Open that copy, put the two files side by side, and move what you typed (the rows on your log tabs) across using Paste Special > Values. The totals and the math fill in automatically.

The category list and formulas are fixed, because changing them can break a calculation elsewhere in the workbook. If you need a different setup, a custom workbook starts at $199 with a written quote first; see agentledgerllc.com/custom-workbooks.

No. AgentLedger never collects or sees anything you enter, and nothing connects to your bank, your agency or any carrier. The Excel Edition is a file on your own device. The Google Sheets Edition lives in your own Google account. There is no AgentLedger account to create.

Yes, with the free Excel mobile app or Google Sheets. A laptop or desktop is easier for the first setup; the phone is handy for quick entries.

The Medicare Agent Pay Reconciler ($47 per tax year) checks every paycheck against your agency’s written pay plan, to the penny, and writes the note to your agency when a check is short. It is for any Medicare agent, 1099 or W-2.

Medicare Agent Complete ($57 per tax year) adds the full tax tracker: expenses, mileage, a Schedule C summary and quarterly tax estimates, with your paychecks flowing into its Income Log. It is for 1099 Medicare agents who want both. See both at agentledgerllc.com/medicare.

Yes. The Pay Reconciler checks your pay whether you’re paid on a 1099 or a W-2. Medicare Agent Complete adds a Schedule C tax tracker, and W-2 pay doesn’t go on Schedule C, so Complete is for 1099 agents.

One workbook covers your year. Add each agency as a pay plan with the date it starts. Working for two at once? Pick the agency on any entry dated while both pay you, and each agency gets its own paychecks and its own tier counts.

Add a new pay plan with the date it starts and type only what changed, like the new hourly rate after a 90-day review. Earlier sales and paychecks keep the old rates.

No. Nothing connects to anything. You type your sales and your paychecks, and the workbook does the math. That keeps your data on your own computer or your own Google Drive.

Every Medicare order includes a filled-in SAMPLE copy, so you can see how a full year looks before you type your own. You receive six files: your workbook, the SAMPLE and the free Personal tracker, each in an Excel and a Google Sheets edition.

No. It’s a record-keeping tool that compares your pay with your own records and your agency’s written pay plan. Your agency’s pay plan and records govern your pay, and tax questions are for your tax professional.

No. AgentLedger is a bookkeeping and estimation tool, not tax, legal or financial advice. AgentLedger is not a CPA firm, an enrolled agent or a law firm. The tracker hands your tax professional clean, categorized numbers. Always confirm your actual filing with a licensed CPA or tax professional.

The Dashboard shows the calculation. It combines the self-employment tax rate (15.3% on 92.35% of net earnings), your federal tax rate (it starts at 22%, and you can change it on the Dashboard) and your state’s top rate from the State Tax Rates tab, with an adjustment for the Qualified Business Income deduction. It is an estimate for planning, not a filing figure.

They are the published figures as of the date printed in the workbook. The 2026 edition applies the IRS mileage rate by trip date: 72.5 cents per mile from January through June and 76 cents from July through December. Rates can change, so verify anything that matters to your return against current IRS and state guidance.

For most people, yes, especially with more than one income stream, employees or significant assets. AgentLedger makes that conversation shorter by handing over categorized numbers in place of a shoebox of receipts.

Yes. Tips are income, and the tracker totals them on their own line, separate from services and retail product sales, so your year’s tip total is one number for your tax preparer.

There is also a federal deduction for qualified tips, claimed on Schedule 1-A of Form 1040. IRS rules decide which tips qualify, including how the tips were reported to you. The tracker does not decide that; ask your tax professional what applies to you.

Correct the cell. The Dashboard and every other tab recalculate right away.

Yes. Prior-year trackers cover tax years 2020 through 2025 for seven profession trackers: Insurance Agent, Real Estate Agent, Real Estate Agent Pro Edition, Construction Subcontractor, Owner-Operator Truck Driver, Rideshare & Delivery Driver and Self-Employed Professional. Barber & Salon Professional and the Medicare Agent workbooks begin with the 2026 edition. Each prior year carries that year’s own figures, such as the mileage rate and the meal rules.

One tax year is $27 (Real Estate Agent Pro Edition $47). All six years are $127 (Pro $217). All six years plus the 2026 edition is $147 (Pro $252). They are at agentledgerllc.com/prior-years.

It comes in one color theme, Classic Navy & Teal. It has no quarterly estimate tab, because the year has closed. The Personal tracker is not included with prior years alone; it is included in “All six years plus 2026.”

Each workbook covers one tax year, so you need one for each year you are organizing. If you are catching up on unfiled returns, read agentledgerllc.com/behind-on-your-taxes first; it explains the IRS’s usual six-year policy and lists its sources. Which years you must file is a question for a tax professional.

Prior-year trackers come in Classic Navy & Teal only. In “All six years plus 2026,” the 2026 tracker and the Personal tracker are Classic Navy & Teal too. If you want your 2026 tracker in another color, take the six-year set and add the 2026 tracker separately: $154 (Pro $264), with the Personal tracker still free.

No. It organizes your income, expenses and mileage for the year and produces a Schedule C summary for you or whoever prepares your return. It does not prepare or file a return, and it does not calculate penalties or interest.

Each year comes in an Excel Edition and a Google Sheets Edition. A single year is 2 files, the six-year set is 12, and six years plus 2026 is 16 (the seven trackers and the free Personal tracker). Your delivery email lists each workbook by tax year.

Each workbook covers only the tax year shown, and all sales are final, so please check the year before you buy. The year is shown on the button you pick, in your cart and on your receipt.

Your workbooks arrive as attachments on an email, usually within a few minutes of checkout. There is no download link and no account to create. An order with one 2026 profession tracker brings four files: your tracker and the free Personal tracker, each in an Excel and a Google Sheets edition. A Medicare Agent workbook brings six: your workbook, its filled-in SAMPLE and the free Personal tracker, each in both editions. Keep that email; it holds your original files.

Yes. Enter your email in the signup box on agentledgerllc.com and we send a code for 10% off your first workbook. It is one use per customer and is not combinable with office pricing.

By credit or debit card at checkout on agentledgerllc.com.

Both editions arrive as .xlsx files. Open the Excel Edition in Excel (or LibreOffice or OpenOffice). For the Google Sheets Edition, upload the file to Google Drive (drive.google.com, then New > File upload), right-click it and choose Open with > Google Sheets. That copy is yours to keep in your own Google account.

You do not need one to open the file, enter data or use any tab. The protection in the Excel Edition only keeps formula cells from being changed by accident. If Excel asks for a password just to open the file, something went wrong with the file; reply to your delivery email and we will resend it.

Your license covers one business. The IRS wants a separate Schedule C for each business, so each one needs its own tracker.

An individual license is for one user, so please do not pass your copy along or post it anywhere. If someone you know would find it useful, send them to agentledgerllc.com.

Yes, for the profession trackers. Set the number of seats in your cart and the price steps down on its own: $27 each for one to four seats, $19 each at five or more, and $15 each at twenty-five or more. Pro Editions are $47 each for one to four, $34 at five or more, and $27 at twenty-five or more.

One license covers every seat you buy. The workbook is stamped with your business name, and each person puts their own name on their own Dashboard, so there is no roster to submit. One free Personal Income & Expense Tracker comes with each order. Office pricing applies to the current-year profession trackers (the Medicare Agent workbooks are $47 and $57 each) and is not combinable with promotional codes. More at agentledgerllc.com/office-licenses.

All sales are final. This is a digital product delivered within minutes, and a file cannot be returned once it has been sent. Each workbook covers only the tax year shown, so please check the tax year of every item before you order; a required box at checkout asks you to confirm it.

What we do is fix the problem:

• It did not arrive: check your spam and promotions folders, then email us and we will resend it.
• You received a different tracker or theme than you ordered: tell us and we will send the correct file.
• The file will not open or looks damaged: we will resend it and work through it with you.
• You were charged twice for the same order: that is a billing error, and the duplicate charge is refunded.

The Personal Income & Expense Tracker comes free with any 2026 profession tracker or Medicare Agent workbook. If you bought it on its own first and later bought one of those, there is no refund on the earlier order.

Please email us before filing a chargeback. Almost everything is a delivery problem we can fix quickly.

Each tax year gets its own edition, because IRS mileage rates and tax brackets change every year. Each edition is bought separately, and nothing renews automatically.

Yes. Request free sample PDFs at agentledgerllc.com/tax-professionals to review before you recommend us to clients.

Email support@agentledgerllc.com. One thing we cannot answer is whether a particular expense is deductible in your situation; that belongs with a CPA or enrolled agent. What the tracker does is have the category ready and mapped to Schedule C, so the numbers are organized when you ask them.