Know exactly what to set aside from every 1099 payment.
The 1099 Money System is a workbook and playbook that works out your personal tax set-aside, tells you what to pay the IRS each quarter and when, and keeps the records that lower your bill.
Instant download · Excel and Google Sheets · 30-day refund
Example: one payment
Example for a single filer with a 5% state rate. Your rate comes from your own income, filing status and state.
Paid on a 1099? Three things catch people out.
None of them are hard once you see them. The system handles all three.
Nothing is withheld
Clients pay you in full, so the tax money sits in your account looking like it's yours.
An extra 15.3%
Self-employed, you pay both halves of Social Security and Medicare on top of income tax.
Four due dates a year
The IRS expects estimated payments during the year. Miss them and a penalty can build up.
How it works
Five minutes to set up, then one small habit.
Set it up once
Pick your tax year, filing status and state rate. Add W-2 wages if you have a day job too.
Log each payment
The workbook shows how much to move to your tax account the day the money lands.
Pay quarterly with confidence
See each quarter's suggested federal and state payment, its due date, and whether it's paid.
What's inside
Tax figures checked against IRS and Social Security releases for the 2026 and 2027 tax years.
The workbook
- Income log that works out your set-aside for every payment
- Expense log with business categories and business-use %
- Mileage log with the IRS rate filled in by date
- Tax estimate: self-employment tax, federal and state
- Quarterly payments with due dates and paid / due-soon / overdue status
- Month-by-month dashboard and a safe-harbor minimum
The playbook (11-page PDF)
- The three-account setup
- How your set-aside rate is worked out
- The 15-minute weekly routine
- Quarterly payments step by step, plus safe-harbor rules
- Deductions worth knowing and records that hold up
- Year-end and filing-season checklists
Choose your system
One-time price. Instant download. If it isn't useful to you, reply to your order email within 30 days for a full refund.
The 1099 Money System
$39
- The workbook (2026 and 2027 tax years)
- The playbook (11-page PDF)
Complete Bundle
$59
- Everything in the system
- Deduction checklists for 12 professions
- Irregular-Income Budget: a steady paycheck from uneven income
- Next year's edition (2028), emailed to you free next December
Made for
Questions
Is this tax advice?
No. It's a planning tool and general education about how US federal estimated taxes work. For decisions about your own return, talk to a tax professional.
Do I need Excel?
It's built for Microsoft Excel and also opens in Google Sheets. The playbook and checklists are PDFs.
Which tax years does it cover?
2026 and 2027. Pick the year in the Settings tab. The Complete Bundle includes the 2028 edition next December.
I have a day job too. Does it still work?
Yes. Enter your W-2 wages and the set-aside covers only the extra tax your 1099 income adds.
What about state taxes?
You enter your state's rate and the workbook adds a state set-aside and a suggested quarterly state payment. Check your state's own due dates.
How do I get it?
Right after checkout you'll see a download link, and you'll also get it by email.
What if it isn't for me?
Reply to your order email within 30 days and we'll refund you in full.
Quarterly Calm products are planning tools and general education, not tax, legal or financial advice. Figures were checked against IRS and Social Security Administration releases in November 2026.