For freelancers, founders & small business owners
Find every deduction. Skip the year-end scramble.
Deductiv tracks your expenses year-round, reconciles every charge with AI, and surfaces the write-offs you didn’t know existed. One app. Less work. Bigger refund.
$80/year · cancel any time · no card during trial
Good morning, Travis.
Here’s what’s deductible this year.
Estimated YTD deductions
$24,318
≈ $6,566 saved in taxes
Awaiting your review
Figma
Software & SaaS
$144.00
Delta Air Lines
Travel
$612.40
Verizon
Utilities
$92.18
$3,400
Avg. extra tax saved per year
< 30 sec
From signup to first deduction
40+ hours
Tax prep time saved each season
The problem
You’re overpaying the IRS — and you’re losing a weekend in April finding out.
The average self-employed person overpays taxes by $3,000 – $9,000 a year. Not because they cheat — because no one has time to dig through 18 months of email receipts and bank statements before April 15th. So you shrug, hand your accountant a shoebox, take the safe categories they suggest, and write a bigger check than you should.
Without Deductiv
- Spend a weekend in April rebuilding the year from memory
- Email back-and-forth with your CPA chasing one missing receipt
- Take the obvious deductions, miss the strategic ones
- Pay full price on taxes you could have legally avoided
With Deductiv
- Snap a receipt or connect your bank — set up in 30 seconds.
- AI reconciles every receipt as it arrives, all year
- Surfaces strategies you didn't know you qualified for
- Email your CPA a return-ready PDF in one click
How it works
Connect once. Forget about it. Save thousands.
No spreadsheets. No monthly check-in. No tagging receipts on a Sunday. Deductiv runs in the background and only pings you when something genuinely needs your call.
Snap your receipts
Photograph any receipt and AI extracts the vendor, total, date, and category in seconds — or add an expense by hand in ten seconds.
Connect your bank
Plaid pulls every business transaction. AI matches charges to vendors, flags the obvious deductions, and asks you only when it's truly unclear.
Send to your CPA
One click at tax time — your accountant gets a clean PDF with Schedule C categories pre-mapped, plus the itemized CSV behind it.
AI that knows the tax code
Every receipt, reconciled automatically.
Deductiv runs Claude on every receipt and bank transaction. It picks the right Schedule C line, applies the correct deductible percentage (50% for meals, 100% for software, mileage rules for vehicles), and explains its reasoning. You review. You approve. Done.
- Matches charges to vendors — “FIG*0429” on your card becomes “Figma, Software.”
- Maps to the right IRS line — Advertising, Software, Travel, Vehicle, Meals, Office, Professional Services, Education, Utilities.
- Skips the obvious non-deductibles — your Netflix subscription doesn’t end up on your Schedule C.
- Asks when it’s unsure — only the ambiguous ones surface for your review.
From a receipt · just now
Figma · Professional plan
Receipt · May 11
$45.00
Categorize as Software · Schedule C, Line 22 · 100% deductible.
Recurring SaaS used in business. Ordinary & necessary under §162.
Matched to Chase **4429 charge
Auto-reconciled
See it in action
Simple to look at. Powerful underneath.
Built natively for iPhone. Every receipt, every deduction, every accountant export — in your pocket.
Year to date
$11,427
Estimated tax saved at 32% effective rate
On pace to outsave 2025 by April
Recent · 4 today
Figma
Software · today
$45.00
Delta Air Lines
Travel · today
$412.40
Meta Ads
Advertising · today
$480.00
Uber
Travel · today
$28.40
Real-time savings
Watch your refund grow.
Every receipt, every transaction, every deduction — totaled in real time. No spreadsheets, no end-of-year reconciliation.
Chat about
Le Bernardin · $187.40
Meals · May 9 · Needs info
Yes — 50% deductible under §274(n). Document three things:
- Business purpose discussed
- Who you met with
- Date and location (on receipt)
Got it. Approving as Meals · 50%. That’s $93.70 deductible.
Ask anything
An AI tax pro on standby.
Not sure if a meal counts? Ask. Deductiv cites the actual IRS code and tells you exactly what to do.
Strategy · Great fit
The Augusta Rule.
Rent your home to your own business for up to 14 days a year. Deductible to the business, tax-free to you.
Estimated savings · your business
$8,400 / yr
14 days × $600/day fair market value · 32% bracket
How to claim it
Document a fair market rental rate
Hold legitimate business meetings at home
Have your business issue a 1099-MISC to you
File Schedule E to report rental income
IRS reference
§280A(g) · Personal Use of Dwelling
Hidden strategies
Find write-offs you didn't know existed.
Augusta Rule. §179 vehicle. Hire your kids. Surfaced and ranked by dollar impact for your specific business.
The hidden savings
The deductions you don’t know you’re missing.
Most people leave the strategic moves on the table because nobody told them they qualify. Deductiv reads your situation and surfaces the ones with the biggest dollar impact for your entity type, industry, and income.
The Augusta Rule
§280A(g)$8K–$15K/yr
Rent your home to your own business for up to 14 days a year. The rent is fully deductible to the business and entirely tax-free to you.
Hire your kids
§3121(b)(3)(A)$13K+/yr
Pay your child up to the standard deduction for legitimate work. Deductible to your business, zero federal tax for them.
§179 vehicle deduction
§179$28K+ first year
Heavy vehicles (6,000+ lb GVWR) used >50% for business can be expensed fully in year one — not depreciated over five.
Home office, done right
§280A(c)$2K–$8K/yr
The actual-expense method usually beats the simplified one. Deductiv calculates which is bigger for your specific situation.
Solo 401(k)
§401(k)$23K+/yr
Up to $69K in pre-tax retirement contributions if you're self-employed. Roth and traditional combo allowed.
QBI deduction (§199A)
§199A20% off pass-through income
Most LLCs and S-corps qualify for a flat 20% deduction on qualified business income. We make sure you're claiming it correctly.
And dozens more — depreciation, retirement, health insurance for the self-employed, deductible business meals, professional development. Deductiv ranks them by likely fit and dollar impact, so you start with the ones that move the needle.
What’s in the app
Everything an accountant wishes their clients did all year.
AI categorization
Claude reads each receipt and maps it to the right Schedule C line — Advertising, Software, Travel, Vehicle. You review, approve, done.
Find write-offs you'd miss
Surfaces strategies tailored to your entity, industry, and income — the deductions most freelancers leave on the table.
No more April scramble
Reconciliation happens daily, not annually. Tax season becomes one click instead of one lost weekend.
Chat about any expense
Not sure if that conference dinner counts? Ask. Deductiv knows the §162 ordinary-and-necessary test cold.
1099 send-and-track
When you owe a contractor a 1099, Deductiv emails the request, watches for their reply, and files the document automatically.
One-click CPA export
Clean one-page PDF summary plus an itemized CSV, sent from your own email so your accountant replies to you directly.
Security & privacy
Your financial data, treated like your financial data.
We never see your bank password — it goes directly from you to Plaid. Every OAuth token and access credential is AES-256-GCM-encrypted before it touches the database. We don’t sell your data and we don’t train AI on it.
- AES-256-GCM at rest
- TLS 1.2+ in transit
- Postgres Row Level Security
- SOC 2 Type II providers
- MFA available on every account
- No data sold or used for ads
Pricing
One price. Pays for itself in your first month.
Less than $7/month for everything: unlimited receipts + bank connections, AI categorization, year-round 1099 tracking, accountant exports. No per-transaction fees, no upsells.
- Unlimited deduction tracking
- Unlimited receipts + bank accounts
- AI strategy recommendations
- Chat with the AI about any expense
- 1099 send & receive workflow
- PDF + CSV exports to your CPA
- iOS & web apps
- Email support
No card required during trial. We’ll email you the day before it ends.
The math
At a 30% effective rate, surfacing one $267 deduction pays for the entire year.
The average user saves $3,400+ in their first year. At $80 for an annual subscription, Deductiv will be the cheapest line item your business has.
Stop overpaying. Stop scrambling.
7 days free. $80/year after. Snap your first receipt in 30 seconds and see what you’ve been missing.
Start free trial