Self-employed deduction checklist
Use this checklist to gather common expense categories before estimating quarterly taxes. Eligibility depends on IRS rules, business purpose, documentation, and your specific facts.
Mileage
Track business miles separately from personal miles. Vehicle deduction method and documentation rules matter.
Home office
Generally requires a space used regularly and exclusively for business. Eligibility depends on IRS rules.
Phone and internet
Only the business-use portion belongs in a deduction estimate when the service is mixed personal and business.
Supplies
Include ordinary supplies used to perform paid work, fulfill orders, or serve clients.
Software subscriptions
Planning, design, bookkeeping, scheduling, editing, hosting, and other work tools may be relevant if business-related.
Advertising
Promoted posts, marketplace ads, print materials, sponsorships, and lead-generation costs can affect net income.
Professional services
Bookkeeping, tax preparation, legal support, design help, and contractor costs may belong in business expenses.
Health insurance
Self-employed health insurance has specific eligibility rules and may not work like ordinary Schedule C expenses.
Retirement contributions
SEP IRA, solo 401(k), and other plans can affect taxable income, but limits and timing rules need separate review.
Payment processing fees
Marketplace fees, card fees, payment processor fees, and platform commissions reduce business profit when documented.
Education and training
Courses, workshops, books, and industry training may qualify when tied to maintaining or improving business skills.
The calculator accepts a total business expense amount. It does not decide whether a specific expense is deductible or which deduction method is best.
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