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The Bookkeeping, Invoicing & Tax App for 1099 Contractors
The first 1099-NEC is a rite of passage. Somewhere between opening the envelope and Googling "what is self-employment tax," it sinks in: nobody withheld anything, nobody is filing for you, and the IRS now considers you a business. Congratulations — you're the CEO, the bookkeeper, the billing department, and the tax department of You, Inc.
Ava Ledger takes three of those four jobs. Connect your bank account and your transactions flow in automatically; AI reads each one and files it into a real tax category — software, materials, insurance, meals at the 50% rule, home office. Your profit and loss updates in real time. You stop doing data entry and start reviewing a finished ledger.
Bookkeeping that happens while you work
The classic contractor system — a shoebox of receipts and a January panic — costs real money in forgotten deductions. Ava's autopilot bookkeeping means the books are always current: every expense categorized the week it happened, every payment matched to income, and a running view of what you actually earned after costs. If you drive for work, GPS mileage tracking adds the per-mile deduction on top, automatically.
Invoice like a company, not a person with a PDF template
Tell Ava "invoice Delgado Construction $3,150 for the framing sub work" and it's built, sent, and tracked. Clients pay by card online and funds go to your bank. Overdue? Ava flags it and writes the reminder. If your contracting is trade work specifically, the contractors page goes deeper on estimates and job costing.
The four tax deadlines nobody told you about
1099 earners who'll owe $1,000+ generally must prepay taxes quarterly: April, June, September, January. Miss them and penalties accrue quietly. Ava calculates your estimate from live net earnings — not last year's guess — and reminds you before each date. At filing time, your Schedule C exports as a ready PDF, and your CPA can review everything through secure read-only access without a single forwarded spreadsheet.
Every kind of 1099, one platform
Courier, consultant, tradesperson, designer — "independent contractor" is an umbrella, and Ava covers it all. Gig platform workers should see the gig workers hub for multi-app mileage; client-based professionals can compare the freelancers page. Whatever your flavor of 1099, it's one plan, everything included.
Be your own boss — not your own bookkeeper
7 days free. $69/month for your first 3 months, then $99/month — everything included.
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Frequently asked questions
How are 1099 taxes different from a W-2 job?
Nobody withholds for you. You pay income tax plus 15.3% self-employment tax on net earnings, file a Schedule C, and usually make quarterly estimated payments — but you also get deductions employees don't. Ava manages all four moving parts.
Does Ava really do the bookkeeping for me?
Yes. Connect your bank and transactions flow in automatically; AI categorizes them into real tax categories and keeps a live profit-and-loss view. You review — you don't data-enter.
Can it prepare my Schedule C?
Ava produces a Schedule C-ready PDF report with your income and categorized deductions, so you or your preparer can file quickly. Your CPA can also get one-click read-only access.
What if I have both 1099 income and a day job?
Common and fine. Ava tracks only your business side — contract income, its expenses, and its mileage — keeping it cleanly separated for the Schedule C while your W-2 stays untouched.
Do I need a separate business bank account?
It's not legally required for sole proprietors, but it makes bookkeeping dramatically cleaner. Either way, Ava's AI categorization helps you separate business from personal spending.