DeductSam vs Spendable

The receipt in your cup holder. The drive you never wrote down. The client payment from three weeks ago you're fairly sure cleared. If you work for yourself, your books live in a glovebox, a camera roll, and a banking app — and nobody's on retainer to pull them together. DeductSam does that part. Not a CPA firm — built to hand off to yours. CAPTURE AS YOU GO Photograph a receipt and the details are read for you — merchant, amount, date — ready to correct before anything is saved. Log a drive and the current IRS standard mileage rate is applied for you. Connect a bank and transactions arrive already sorted, with anything ambiguous held for your review rather than filed silently. Part business, part personal? Set a bill's business share once; DeductSam never picks the number. ONE PLACE PER TAX SITUATION Keep a business, a rental, and your personal finances in separate workspaces, each with its own books. Move anything with a tap; nothing moves on its own. YOUR TAX FORMS Upload a W-2, 1040, 1098-T, 1095-A or Form 8582, pick the tax year, and confirm each line DeductSam reads — nothing is kept until you do. Other documents are filed with that year's records. STRATEGY REVIEW DeductSam runs defined checks against your records and says what each found — the home-office test, how you pay yourself, writing off equipment, hiring your children, short-term rental rules, and household positions like IRA and HSA contributions. Each states plainly what DeductSam cannot verify. Positions nobody has looked at yet are listed apart: not looked at is not a no. A check never decides that you qualify and is not a filing position — that call is yours and your preparer's. Answering its questions is free; full results are part of Pro. FOR RENTAL HOSTS Short-term rentals have their own rules. DeductSam tracks personal-use days against rental days and keeps the 14-day rule in view. On Pro, it keeps the depreciation schedule, including furnishings over 5 years. GET PAID On Pro, send an invoice with a card payment link. Payments go to your own Stripe account — you connect it, you are the merchant of record, and DeductSam takes no fee and never holds your money. A client refund comes off that invoice's income. ASK SAM Sam explains what it's seeing in plain English and gives you the exact question to put to your preparer. It never certifies, and it never invents a number about how you use something. YEAR-END PACKET When the year closes, export a packet organized to Schedule C or Schedule E, with receipt coverage, income summary, quarterly estimate dates, and the positions you recorded. Hand it to your preparer, or file with it yourself. The packet is free on every plan. WHAT IT ISN'T DeductSam advises and builds the record behind each position. It does not prepare, sign, review, or file tax returns, or represent you before any tax authority. FREE TO START Free covers expenses, income, mileage, receipts, payroll, tax forms, the packet, every check's questions, 10 Sam messages a month, and one personal plus one business or rental workspace. Pro adds bank sync, Sam with no monthly limit, full check results, Tax Health, Analytics, invoicing, depreciation, unlimited workspaces, and team access with a free accountant seat. SUBSCRIPTION DeductSam Pro — $24.99 per month, or $250 per year. A 14-day free trial is available on the MONTHLY plan only. The yearly plan does not include a free trial. Payment is charged to your Apple Account at confirmation of purchase. Subscriptions renew automatically unless auto-renew is turned off at least 24 hours before the end of the current period, and your account is charged for renewal within 24 hours before the period ends. Manage your subscription and turn off auto-renew in your Apple Account settings after purchase. Any unused portion of a free trial is forfeited when you buy a subscription. Terms of Use: https://deductsam.com/terms Privacy Policy: https://deductsam.com/privacy

What can I spend today without going broke before payday? Spendable answers that with one number, recalculated every morning from your real balance. No bank login. No account. No server. Everything stays on your phone. HOW IT WORKS Tell it three things: your balance, your payday, and any bills due before then. Spendable holds back the bills and your buffer, divides what's left by the days remaining, and shows you today's figure. Spend less today and tomorrow's number rises by itself. Spend more and it drops. There is no envelope system, no categories to maintain, and nothing to reconcile. CAN I AFFORD THIS? Type an amount and get an answer with the consequence attached: "Yes, but every remaining day drops to $97.77, down from $111.11." A flat "no" is reserved for a purchase that would break your bills. HONEST BY DESIGN Figures always round down. The promise is "you can spend this and still be fine", and a number that rounds up is a lie by a cent. Logging a spend never moves today's target. It only uses it up. Paying a bill never changes your spendable figure, because that money was never yours to spend. FREE FOREVER • Your safe-to-spend number • Three-second spend logging • "Can I afford this?" • Shortfall warnings • Up to three bills • Reminders: an evening nudge and a payday reset SPENDABLE PLUS: $0.99/MONTH • Home Screen and Lock Screen widgets • Zero Day forecast: the date you run out at your current pace • Morning check-in: wake up to today's number • Unlimited bills PRIVACY No account. No analytics. No ads. No tracking. Spendable never connects to your bank and has no server of its own. Your balance, bills and history live in a database on your device. Erase all data in Settings and it is gone, immediately and permanently. Spendable is an arithmetic tool, not financial advice. Its figures are only as accurate as the numbers you enter. Spendable Plus is an auto-renewing monthly subscription. Payment is charged to your Apple Account at confirmation of purchase and renews unless cancelled at least 24 hours before the end of the period. Manage or cancel in Settings → your name → Subscriptions. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://ephopho.github.io/spendable-legal/privacy/