Free tools for 1099 pros

Quick calculators built on IRS numbers, free downloads, and low-cost organizers to keep your records in order all year.

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2026 mileage deduction

The IRS business rate changed mid-year: 72.5¢ a mile from January 1 through June 30, and 76¢ from July 1 through December 31, 2026.

Business miles, Jan 1 to Jun 30 Business miles, Jul 1 to Dec 31

Standard mileage amount

Jan to Jun × 72.5¢$0.00

Jul to Dec × 76¢$0.00

Total business miles0

Source: IRS standard mileage rates for 2026. Business tolls and parking are tracked separately. Your miles need a dated log.

Keep the log the IRS asks for: Mileage Log Book, $4

2026 self-employment tax

Social Security and Medicare tax on your 1099 profit, figured the way IRS Schedule SE does.

Expected 2026 net profit (1099 income minus business expenses) W-2 wages this year (optional; they share the Social Security limit) Income tax rate to add (optional; applied to your whole profit for a simple set-aside; ask your tax preparer for your rate)

Estimated self-employment tax

Net earnings (profit × 92.35%)$0

Social Security (12.4%)$0

Medicare (2.9%)$0

Income tax added$0

Set aside per quarter$0

Social Security tax stops at $184,500 of combined 2026 earnings (SSA). Not included: the 0.9% Additional Medicare Tax above $200,000 ($250,000 married filing jointly), state tax, and the deduction for half of this tax. An estimate for planning, not tax advice. Source: IRS Topic 554.

Next due dates: Jan 15, 2027 (4th quarter 2026), then Apr 15, Jun 15 and Sep 15, 2027. 2027 Tax-Deadline Calendar, $5

Will my client send a 1099-NEC?

Starting with payments made in 2026, a business sends Form 1099-NEC when it pays you $2,000 or more in a year for your services. For 2025 payments the line was $600.

Who paid you? For which year's payments? Total they paid you that year

Answer

Enter an amount

Either way, it's income. Payments count whether or not a form arrives. Record every one as you're paid.

Sources: IRS Instructions for Forms 1099-MISC and 1099-NEC. General rule only; some payments have their own rules.

Track every payment by client: AgentLedger tax trackers

Tips and income

For barbers, stylists and anyone paid per appointment. See your week, month and year at a glance.

Appointments a day Average price per appointment ($) Average tip (%) Days worked a week

Services and tips per month

Per week: services$0

Per week: tips$0

Per month: tips$0

Per year: services and tips$0

Month = 52 weeks ÷ 12. "All tips you receive are income" (IRS Publication 531), cash tips included.

Log every appointment and tip: Booking and Tip Log, $5

Home office deduction, simplified method

The IRS simplified method: $5 per square foot of the part of your home used regularly and only for business, up to 300 square feet.

Office size in square feet (length × width) Business income left after other business expenses (optional; the deduction can't be more than this)

Simplified home office deduction

Square feet counted0

× $5 per square foot$0

Income limit appliedNo

The space must be used regularly and exclusively for business. Any amount over the income limit can't be carried to next year under this method. Source: IRS, Simplified option for home office deduction. Not tax advice; your preparer can compare it with the regular method.

Keep the receipts that back up every deduction: Receipt Organizer Kit, $5

Medicare commission check

For Medicare agents: compare one paycheck with what your pay plan says you should have been paid.

New sales on this paycheck Your plan's rate per new sale ($) Renewal or other sales on this paycheck (optional) Your plan's rate for those ($) (optional) Bonuses or spiffs you were promised ($) (optional) Chargebacks you agree with ($) (optional) Amount actually paid ($)

Difference

$0.00

New sales × rate$0.00

Other sales × rate$0.00

Bonuses and spiffs$0.00

Minus chargebacks$0.00

Expected pay$0.00

Actually paid$0.00

Your agency's written pay plan decides what you're owed. A check for short pay only; not legal or tax advice.

Free: 7 signs your agency may be short-paying you. Compare each paycheck to what you expected: Medicare Agent Pay Reconciler, $47

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New for tax season

2026 Tax Prep Packet for 1099 Pros

The basics your tax preparer is likely to ask for, on five fillable pages: what to bring, a one-page business summary, a 1099 match-up worksheet and your estimated payments record. No email needed.

Tax professionals: share it with your 1099 clients. They'll arrive organized.

Download the free packet (PDF)

Write-off checklist for your job

Ten write-offs people in your line of work often miss. Insurance, real estate, construction, trucking, rideshare, barbers and stylists, and self-employed.

Get my free checklist

Medicare agents: Paycheck Check

Seven signs your agency may be short-paying you, plus a simple paycheck log to check every pay date.

Check my paychecks free

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Organizers that do the busywork

Each one comes as a print-ready PDF and a spreadsheet that does the math, with a filled-in sample to show you how. Instant download.

Best value: 4 in 1

Get Organized Kit

Four organizers in one download, with a Start Here guide.

2027 Tax-Deadline Calendar
Receipt Organizer Kit
Mileage Log Book
Monthly Money Close

$12$6 less than buying the four separately

See the kit

2027 Tax-Deadline Calendar

Key 2027 federal due dates for 1099 pros, with a month-end checklist.

See inside

Receipt Organizer Kit

Month labels, category tabs and a log that totals your receipts.

See inside

Mileage Log Book

Trip-log pages plus a spreadsheet that applies the IRS rate for you.

See inside

Monthly Money Close

A 15-minute end-of-month routine. Type on screen or print.

See inside

Invoices and Estimates

Your name on top, the math done for you, and overdue invoices flagged.

See inside

Booking and Tip Log

For barbers and stylists: every appointment and tip, totaled by month.

See inside

For insurance and Medicare agents

Built by an agent, for agents. Activity and follow-ups only: no health details, Medicare numbers or dates of birth.

Client and Lead Tracker

Leads, follow-ups and sales in one place, with overdue follow-ups flagged.

See inside

AEP Season Planner 2027

Plan October 15 to December 7, log each day and see if you are on pace.

See inside

Agent Social Post Pack

30 ready-to-post images with captions and a 30-day posting plan.

$12

See inside

Built for one jobMade for 1099 professionals, not a generic planner.

Print it or type itUse the PDF on paper, or the spreadsheet in Excel, Google Sheets, OpenOffice or LibreOffice.

Checked before saleIRS figures checked against IRS.gov and formulas tested before release. Questions? support@agentledgerllc.com.

Ready for the full picture?

AgentLedger tax trackers handle income, expenses, mileage and your quarterly estimates in one workbook built for your profession.

See the trackers

AgentLedger tools are for organization and record keeping, not tax advice. Figures from IRS.gov and SSA.gov as of November 2026. Your tax preparer has the final word on your situation.