Clean books for 1099 taxes.
Your gig work is a sole-proprietor business. Withholden keeps the books, sets aside your tax savings as you earn, and helps you get ready for every filing and estimated-payment deadline.
14 days
free trial
$8.99 / $15.99
monthly plans
1 tap
tax help
- No card to start
- Bank-level encryption
- Powered by Stripe
Tax savings account
$3,240.18
Set aside for quarterly taxes
+$135
Uber
+$62
DoorDash
+$44
Lyft
- Powered by Stripe
- Current IRS tax tables
- Registered & bonded CA tax-prep support
- Cancel anytime
The problem
1099 income makes you a business
Withholden gives your sole-proprietor work a bookkeeping and tax-prep system, so tax season stops living in your head.
You are the business
The IRS generally treats 1099 self-employment income as sole-proprietor business income, with Schedule C records to keep.
No payroll department
A W-2 job withholds taxes for you. Gig payouts land whole, so bookkeeping and estimated-tax planning fall on you.
Tax season becomes work
Without ongoing books, deductions, and payment planning, filing season turns into a scramble through old payouts and receipts.
How it works
Bookkeeping and tax prep, funded as you earn
Four steps to set up, then your books stay organized and your tax savings account builds in the background. No spreadsheet scramble.
Step 1: Link your bank
Securely connect the account your gig income lands in. Setup takes about two minutes.
Step 2: Tag your 1099 business income
Flag business deposits so your sole-proprietor books, estimated-tax plan, and filing prep stay organized.
Step 3: Set aside taxes automatically
Choose a percentage to move into a tax savings account powered by Stripe Treasury.
Step 4: Stop tax panic
At each deadline, review your books and use the account to help pay quarterly estimates.
See it in action
Your books and tax savings, building on autopilot
Withholden turns every tagged payout into organized business records and progress toward filing support and estimated-tax payment help.
- Bookkeeping as you earn
- Every tagged payout can feed your business books and move your chosen percentage into a tax savings account.
- A reserve, not a reminder
- A live progress bar shows how your tax savings account tracks against the estimated-tax plan for your 1099 business.
- Deadline support
- When estimates are due, use Withholden to prepare records, review the amount, and support the tax-payment workflow.
Tax savings account
on track$3,240.18
72% of your 2026 business tax plan
Saved YTD
$4,120
Rate
22%
Next estimated payment
Q2 support due June 15
$1,125 ready
Recent income
Uber
1099 deposit
$612.40
$135 saved
DoorDash
1099 deposit
$284.10
$62 saved
Lyft
1099 deposit
$198.75
$44 saved
Pricing
Choose your tax support level.
Start with 14 days free. Tax savings transfers are always authorized by you and calculated separately from your subscription.
Withholden Pro
Core plan$8.99/month
14 days free, then $8.99/month.
Bookkeeping, tax savings automation, quarterly payment support, and filing prep for drivers who want to stay organized.
- 1099 business-income tagging and bookkeeping services
- Driver-authorized tax savings percentage
- Stripe Treasury-powered tax savings account
- Estimated-tax planning from current IRS tables
- Quarterly estimated-tax payment support
Hands Free Taxes
Full service$15.99/month
14 days free, then $15.99/month.
Everything in Pro, plus federal and state (if applicable) return preparation and estimated-payment support handled for you.
- Everything in Withholden Pro
- Federal and state (if applicable) income tax return preparation
- Quarterly estimated-tax payments sent for you
- You review and approve each return before it is signed and e-filed
- Cancel anytime, no hidden per-payout fees
FAQ
Questions, answered
Is this a bank account?
Withholden is not a bank. The tax savings account is powered by Stripe Treasury; Withholden partners with Stripe Payments Company for money transmission services and account services with funds held at Fifth Third Bank, N.A., Member FDIC.
How does Withholden know which deposits are taxable?
You tag your 1099 business income the first time it appears. After that, Withholden recognizes recurring gig sources so your sole-proprietor books and estimated-tax plan stay current.
How does Withholden use AI?
Withholden is AI native — AI is built into how we do bookkeeping, recognize gig income, and keep deduction context current, not bolted on. It never acts alone: money moves only at your authorized percentage, tax guidance is reviewed under registered and bonded California tax preparers, and you approve anything that gets filed or paid.
What percentage is charged?
You choose the tax savings percentage. We suggest a planning rate from current IRS tables for self-employment income, and you can adjust it as your business earnings change.
Is connecting my bank safe?
Yes. Connections use bank-level encryption and are powered by Stripe, the same payments infrastructure trusted by millions of businesses. We never store your bank login.
Do I still have to file my taxes?
Yes. Withholden provides bookkeeping, planning, filing-support, and payment-support workflows so taxes stop being a surprise, but you are still responsible for reviewing, authorizing, filing, and paying correctly.
What does it cost?
Both subscriptions start with 14 days free. Withholden Pro is $8.99 per month, and Hands Free Taxes is $15.99 per month for full-service tax preparation and estimated-payment support. No per-payout fees. Cancel any time.
Still curious? Get in touch or read the IRS tax guide.