Comparison

Earnnest vs 1099Tracks

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Earnnest

Facilitate secure digital earnest money transfers for real estate transactions. This service connects buyers directly to escrow holders nationwide, eliminating the need for checks and wire transfers. Enjoy real-time notifications and digital receipts for a streamlined process.

Highlights
  • Digital earnest money transfers
  • Secure payment processing
  • Real-time notifications
  • Digital receipts
  • Nationwide escrow holder network
  • Fingerprint/facial recognition access
Read full description

Earnnest is the largest digital earnest money service in the U.S. With the Earnnest app, send digital earnest money requests for your real estate business any time, anywhere. PARTNERED WITH THE BEST • Trusted by Berkshire Hathaway HomeServices, Keller Williams Realty, dotloop and Lone Wolf Transactions • Nacha affiliate member • An American Land Title Association preferred vendor. • RISMedia preferred service provider SECURITY FIRST Replace the risk and hassle of personal checks and wire transfers with Earnnest's secure digital earnest money transfers. Our verified network is connected to every bank across the nation and banking-level encryption allows your homebuyer to pay the escrow holder directly. No more delayed paper checks or misplaced receipts — instant notifications and shareable digital receipts in the app keep you updated as transactions progress. PAYMENTS FROM ANYWHERE Earnnest empowers your clients to digitally transfer earnest money directly to an escrow holder. Whether homebuyers are purchasing a home across the country or just next door, there is no need to meet in person to hand over a paper check. SAVES YOU TIME, SAVES YOUR CLIENT MONEY Earnnest is free for agents and free for escrow holders, with a flat $15 fee for buyers. That's less than the cost of a wire and more convenient than chasing down a check. EASY TO USE, EASY TO LOVE Features like property address auto-complete and contacts search make requesting a breeze. Instantly unlock the app using fingerprint or facial recognition for seamless, secure access. Notifications for payment and deposit keep you and others updated at all times. FEATURES OF THE APP • Anywhere, anytime. On the go or working from home — 100% digital earnest money works where you do. • Realtime notifications. Keep everyone in the loop with real-time payment notifications. • Widely available, incredibly secure. A nationwide network of vetted escrow holders wrapped in bank-level security. WE'RE HERE TO HELP Questions, suggestions, or issues? Contact us at support@earnnest.com

About

1099Tracks

This app simplifies tax tracking for self-employed individuals by automatically logging mileage and connecting to bank accounts for expense categorization. It provides AI-powered insights and generates IRS Schedule C forms, streamlining tax preparation.

Highlights
  • Automatic mileage tracking
  • Bank-connected expense tracking with AI categorization
  • Quarterly estimated-tax calculation
  • AI chat for financial data queries
  • Exportable IRS Schedule C and Excel workbook
Features
Read full description

1099Tracks is the tax-tracking app built for self-employed people who file a Schedule C: realtors, contractors, freelancers, gig workers, consultants and small-business owners. Most tax apps make you do the work twice: once to track expenses, once to categorize them at tax time. 1099Tracks does it once, as you go. WHY 1099TRACKS - Automatic mileage tracking. No more forgetting to hit "Start Trip." Drives are detected automatically, and recurring routes (home → office, home → showings) can be classified with one tap. - Bank-connected expense tracking through Plaid. Your card and bank transactions flow in automatically, and AI suggests the IRS Schedule C line for each one — not just "business" or "personal," but the specific tax lines your CPA cares about. You review and confirm. - A quarterly estimated-tax number from your own data. Self-employment tax plus a federal estimate, computed from your categorized transactions, with the assumptions shown. - AI chat that knows your data. Ask "how much have I spent on supplies this year?" or "what's my Q3 net business income?" and get an answer grounded in your own numbers. - Export a filled IRS Schedule C — the official form, tax years 2022 through 2025 — plus a CPA-ready Excel workbook that maps every business expense to its form and line. WHO IT'S FOR - Realtors with 1099-NEC income - Independent contractors, freelancers and gig workers - Consultants and small-business owners without a bookkeeper - Anyone tired of scrambling for receipts at tax time WHAT MAKES IT DIFFERENT Most mileage apps only do mileage. Most tax apps only touch your data once a year. 1099Tracks connects the whole loop: your drives, your bank feed, your quarterly estimate and your year-end filing package. All in one place, always up to date, no spreadsheet. PRIVACY & CONTROL - Your financial data is never sold and never shared with advertisers. - Bank connections are handled by Plaid — we never see your bank credentials. - Export your data (year-end tax package, CSVs) or delete your account and all its data at any time. 1099Tracks is not a tax preparer and does not give tax advice. FREE TIER Try 1099Tracks free with one connected bank, 7 days of transaction history, manual mileage and AI chat (5 questions a day, 12 a week). Premium adds 5 connected banks (more for $1/month each), up to 2 years of history, automatic mileage, 2 extra phone lines and 20 AI questions a day (50 a week). SUBSCRIPTION TERMS 1099Tracks Premium: $14.99/month or $119.99/year (four months free vs. monthly). Subscriptions auto-renew unless cancelled at least 24 hours before the end of the current period. Manage or cancel in your Apple Account settings. Terms of Service: https://1099tracks.com/terms Privacy Policy: https://1099tracks.com/privacy Support: help@1099tracks.com

Screenshots

Earnnest4 screens
1099Tracks4 screens

Verdict

The call

The clearest difference is review sentiment: 1099Tracks at 100% against Earnnest's 30%. 1099Tracks also leads on rating (5.0 vs 3.5) and update cadence (every 3 days vs every 3 months). Earnnest's advantage is in-app purchases (none vs 10) and ratings volume (33 vs 3). On price, ads, device support and iOS requirement there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. 1099Tracks sells 10 in-app purchases, starting at $5.00 per month. Earnnest asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

1099Tracks holds the better App Store score, 5.0 against 3.5. That said, the two scores are not equally well evidenced: Earnnest has 33 ratings behind it against 3, so its average is the more settled of the two. Written reviews point the same way: 30% of Earnnest's written reviews are positive against 100% of 1099Tracks's.

UpkeepUpdate frequency

Earnnest ships an update every 3 months, 1099Tracks every 3 days. The most recent releases landed on October 3, 2026 and October 15, 2026 respectively.

Scorecard6 real differences · 4 level
Earnnest versus 1099Tracks: the parameters behind the verdict, then further details
ParameterEarnnest1099Tracks
PriceFreeFree
Rating3.5 (33 ratings)5.0 (3 ratings) — better
Positive reviews30.0% of reviews100.0% of reviews — better
Number of ratings33 — better3
Update frequencyEvery 3 monthsEvery 3 days — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree — betterFreemium
DevicesiPhone, iPodiPhone, iPad
Requires iOS15.1 — better16.6
Further details — not scored
Size35 MB14 MB
Age rating4+4+
DeveloperEarnnest LLC1099 Tracks LLC

Customer experience

Earnnest

All ratings31 ratings
Positive61.3%
Neutral6.5%
Negative32.3%
Written reviews10 reviews
Positive30.0%
Neutral20.0%
Negative50.0%

1099Tracks

All ratings3 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Earnnest

No in-app purchases

10 purchases

1099Tracks

Subscriptions9
  • 5 Extra Bank Connections$5.001 Month
  • 6 Extra Bank Connections$6.001 Month
  • 7 Extra Bank Connections$7.001 Month
Show 6 more
  • 9 Extra Bank Connections$9.001 Month
  • 11 Extra Bank Connections$11.001 Month
  • 12 Extra Bank Connections$12.001 Month
  • 13 Extra Bank Connections$13.001 Month
  • 14 Extra Bank Connections$14.001 Month
  • 15 Extra Bank Connections$15.001 Month
One-time1
  • 25 Chat Questions$2.99

Questions

Is Earnnest free?
Earnnest is free to download, with no in-app purchases.
Is 1099Tracks free?
1099Tracks is free to download, with in-app purchases available.
Which has better reviews, Earnnest or 1099Tracks?
1099Tracks is rated higher. Earnnest averages 3.5 out of 5 from 33 ratings, while 1099Tracks averages 5.0 from 3 ratings.
Do Earnnest or 1099Tracks have ads?
Neither Earnnest nor 1099Tracks shows ads.
Which is updated more often, Earnnest or 1099Tracks?
Earnnest ships an update every 3 months, and 1099Tracks every 3 days. Most recently, Earnnest was updated on October 3, 2026 and 1099Tracks on October 15, 2026.

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