Built for 1099 contractors & freelancers

Stop guessing.
Start tracking.

The complete income management platform for independent contractors. Track payments, calculate tax reserves automatically, and allocate funds to expense categories with precision.

$14.99/month
Cancel anytime
2-minute setup
Dashboard Overview
Live Demo

Revenue

$45,250

Tax Reserved

$11,312

Net Available

$32,626

Recent Payments

Acme Corp

Jan 15

+$2,500

stripe

TechStart Inc

Jan 12

+$1,800

manual

Design Co

Jan 10

+$3,200

stripe

2,500+

Active Users

$15M+

Income Tracked

$4M+

Tax Reserved

50K+

Payments Synced

Features

Everything you need to manage 1099 income

From automatic payment detection to detailed tax tracking, PayCalc handles the complexity so you can focus on your work.

Smart Tax Calculation

Set your tax rate once. Every payment automatically calculates and reserves your tax obligation.

Category Allocation

Create custom expense categories with target percentages. Allocate income automatically to rent, savings, expenses, and more.

Stripe Integration

Connect your Stripe account to auto-detect payments. We capture fees, net amounts, and client info automatically.

Fee Tracking

Track platform fees separately. See your total invoiced amount, fees paid, and actual bank deposit for each payment.

Client Management

Organize payments by client. View income per client, track payment history, and generate client reports.

Detailed Reports

Visualize income trends, category breakdowns, and quarterly tax savings with interactive charts and CSV exports.

Pending Review Queue

Auto-detected payments go to a review queue. Confirm, ignore, or restore payments with full control.

Complete Pay History

Full transaction history with search, sort, and filter. Edit or delete entries anytime. Export to CSV.

Flexible Settings

Configure default tax rates, category sync modes, auto-confirm options, and resync historical payments.

Live Demo

See PayCalc in action

Explore how PayCalc helps you manage every aspect of your 1099 income.

Dashboard

Your financial command center

Total Revenue

$45,250

Platform Fees

-$1,312

Total Received

$43,938

Tax Reserved

$11,312

Net Available

$32,626

Total Entries

18

Category Breakdown
Savings
$892
Business Expenses
$669
Rent
$1,338
Utilities
$446
Personal
$1,115

New Pay Entry

Log payments manually or from integrations

Payment Details
$2,500.00
-$72.50
$2,427.50
Acme Corp
25%
Calculation Preview
Tax Reserve (25%)$625.00

Based on total invoiced amount

Available for Allocation$1,802.50

Amount received minus tax reserve

Allocation Preview

Savings (20%)
$360.50
Business Expenses (15%)
$270.38
Rent (30%)
$540.75
Utilities (10%)
$180.25

Pending Review

Auto-detected payments waiting for your approval

3 PendingPayments detected from Stripe
$3,500(-$101.5 fees)Stripe

TechStart IncJan 18, 2026

$1,200(-$34.8 fees)Stripe

Design CoJan 17, 2026

$4,800(-$139.2 fees)Stripe

Acme CorpJan 16, 2026

Reports & Analytics

Visualize your income and tax savings

Income Trend
J
F
M
A
M
J
J
A
S
O
N
D
Quarterly Tax Savings

Q1 2026

Due: Apr 15

$2,811

Q2 2026

Due: Jun 15

$0

Q3 2026

Due: Sep 15

$0

Q4 2026

Due: Dec 15

$0
How It Works

Get started in 3 simple steps

1

Connect your payment sources

Link your Stripe account with a read-only API key. We'll automatically detect incoming payments, including fees and client info.

2

Set up your categories

Create expense categories like Rent, Savings, Business Expenses. Set target percentages that add up to 100%.

3

Track and allocate

Log payments manually or confirm auto-detected ones. PayCalc calculates taxes and allocates funds automatically.

Simple Pricing

One plan. Everything included.

Full access to all features. Cancel anytime.

Full Access

PayCalc Pro

$14.99/month

Billed monthly • Cancel anytime

Unlimited pay entries
Unlimited categories
Unlimited clients
Stripe integration
Automatic tax calculation
Smart allocation
Full reporting suite
CSV exports
Payment history
Pending review queue
12-hour auto sync
Email notifications
Encrypted data storage
Priority support
Get Started

14-day money-back guarantee

Testimonials

Loved by freelancers

PayCalc finally solved my tax anxiety. Knowing exactly how much to set aside every time I get paid is game-changing.

SC

Sarah Chen

Freelance Designer

The Stripe integration is seamless. Payments show up automatically and I just confirm them. Saves me hours every month.

MJ

Marcus Johnson

Software Consultant

I used to use spreadsheets and constantly worry about tax time. Now I have complete peace of mind.

ER

Emily Rodriguez

Content Creator

FAQ

Questions? Answers.

How does the Stripe integration work?

You provide a read-only Stripe API key. We use it to fetch your completed payments, including fee information and customer details. We never have access to modify anything in your Stripe account.

Can I customize my tax rate?

Absolutely! You can set any tax rate you prefer in your settings. Many users set 25-30% for federal + state estimates, but you have full control.

What if I need to change my categories later?

Categories can be changed anytime. You can choose whether changes apply only to future payments or resync all historical payments with your new configuration.

Is my data secure?

Yes. We use industry-standard encryption for all sensitive data including API keys. Your financial data is stored securely and never shared with third parties.

Can I export my data?

Yes! You can export your complete payment history and reports to CSV anytime. Your data is always yours.

Ready to take control?

Join thousands of freelancers who use PayCalc to track income, reserve taxes, and allocate funds with confidence.

Start Your Free Trial

$14.99/month • Cancel anytime • 14-day money-back guarantee