1099Work Ledger vs Ledger Budget Tracker

1099Work Ledger is the simple, private bookkeeping app made for independent 1099 contractors — relief workers, freelancers, gig professionals, and anyone who invoices their own clients. No accounts to create and no spreadsheets to wrangle. Track every dollar in and out, send professional invoices and estimates, and walk into tax season organized. INVOICING Professional PDF invoices with four clean templates Line items, quantities, optional sales tax, and per-line service dates Discounts — a percentage or a fixed amount, applied fairly across eligible items One-tap "Mark as Paid" with optional payment reference and deposit account Draft, sent, paid, overdue, and voided statuses Email or share invoices as PDFs Per-client rates, custom invoice numbering, saved templates, and reusable item bundles ESTIMATES Create and send professional estimates Capture the client's signature right on your phone — it renders on the PDF Convert an accepted estimate to an invoice in one tap, signature and discount included EXPENSES & MILEAGE Log and categorize business expenses Attach receipt photos Track mileage by trip at your per-mile rate Everything flows straight into your reports INCOME TRACKING Record non-invoice income like app store or royalty revenue Automatic commission calculation for marketplace payouts REPORTS Profit & Loss statements Business Review: period comparisons, client concentration, receivables health, workload economics, and a discount tracker Export any report as PDF or CSV ESTIMATED TAX SET-ASIDE Set your own federal and state set-aside percentages Based on net profit or gross income — your choice See estimated, paid, and remaining amounts by quarter Record the estimated-tax payments you make A personal set-aside estimate, not tax advice REMINDERS Overdue invoice alerts Quarterly estimated-tax deadline reminders MAKE IT YOURS Six accent color palettes, in light and dark BACKUP & RESTORE Export a complete backup of your business anytime Restore it on a new phone in minutes PRIVATE BY DESIGN Your data stays on your device No accounts, no third-party tracking, no ads, and no data selling Built by a working 1099 contractor who needed a faster way to invoice clients and stay tax-ready — without the bloat of full accounting software. Free during launch. 1099Work Ledger is not a tax preparation service and does not provide tax, legal, or financial advice. The estimated tax set-aside feature is a personal planning estimate only.

Ledger is a calm, focused way to see where your money goes — no bank linking, no clutter, no ads. Budget in envelopes. Set a monthly limit for each spending category and watch it fill up as you log purchases. Get a gentle nudge at 85% and a clear alert when you go over. Pay down debt with intention. Track loans and credit cards side by side, log payments, and get reminded 5 days before anything is due — plus a heads-up if a card's utilization crosses 70% or 90%. Save toward what matters. Set savings goals, watch your progress, and add contributions whenever you have extra to put away. See it all at a glance. A single overview screen shows your spending, income, budgeted totals, and a category breakdown chart — the whole picture in one look. Private by design. Your data is yours: it's stored securely under your own account, never sold, never shown to advertisers. Lock the app with Face ID, Touch ID, fingerprint, or your device passcode so it stays private even if someone picks up your phone. No bank connections required. Every entry is yours to add — full control, nothing synced automatically, nothing you didn't put there yourself.