# SnapTax — Year-round quarterly tax estimates for 1099 workers, built on uploaded bank statements instead of bank connections. > Source: Tick Mark Books — https://tickmarkbooks.com/snaptax (structured, researched, re-verified) SnapTax is US tax planning software for freelancers and 1099 contractors that estimates federal, state and self-employment tax all year. Paid plans add AI categorization of uploaded bank statements, mileage, receipts and depreciation, though it never files a return. **Best for:** Solo 1099 contractors and side hustlers who need quarterly tax estimates, not full books | Fact | Value | | --- | --- | | Website | https://snaptaxapp.com/ | | Category | AI tax for the self-employed, Freelancers and the self-employed, Free accounting software, Small businesses, Works with Xero | | Open source | No | | Price | Free | | Price checked | 28 October 2026 | Screenshot of SnapTax: https://tickmarkbooks.com/img/1920/screenshots/snaptax.webp, captured 30 October 2026 **What we checked** - Pages last read: 28 October 2026 - Price on its site: Free plan (From its pricing page) ## What it costs A month of books at 100 transactions: Does not apply No plan keeps a full set of books ## SnapTax price and plans Prices excluding tax, as SnapTax publishes them. | Plan | Price | What's included | | --- | --- | --- | | Free | Free | Keeps no full set of books; Flat fee | | Starter | $4.99 a month | Keeps no full set of books; Flat fee; $49 setup, once | | Builder | $19.99 a month | Keeps no full set of books; Flat fee; adds Categorizes transactions; adds Reconciles your accounts; adds Reads receipts and bills; adds Accrual books and reports; adds Getting your books out; adds Mileage | | Optimizer | $39.99 a month | Trial; Flat fee; adds Users included | Pricing page as we captured it: https://tickmarkbooks.com/img/1920/screenshots/snaptax/pricing.webp, captured 30 October 2026 Read on https://snaptaxapp.com/pricing, 28 October 2026. ## What we checked on SnapTax ### What it costs to keep your books **Cost for a solo freelancer** · Partly — A solo freelancer pays $4.99 a month on Starter for estimates and manual entry, but receipts and statement upload need Builder at $19.99; nothing pulls transactions from a bank by itself. > Builder AUTOMATE $19.99 /mo > — https://snaptaxapp.com/pricing · Plan cards, Builder column price cell, checked 28 October 2026 **Promotion and regular price** · No — The rate card prints one standing price per plan — $0, $4.99, $19.99 and $39.99 a month — with no introductory rate, countdown or post-promotion price anywhere on it. > Simple, Transparent Pricing for Freelancers and 1099 Workers No accountant fees. No setup costs. Just the tools you need at a price that makes sense. > — https://snaptaxapp.com/pricing · Pricing header above the four plan cards, checked 28 October 2026 **Ledger included** · Partly — No separate QuickBooks or Xero subscription is needed, but the vendor says this is not accounting software: you get a profit and loss, and the balance sheet is still being built. > No chart of accounts, no bookkeeper required. Start managing your self-employment taxes in minutes. > — https://snaptaxapp.com/ · Why Freelancers Choose SnapTax, 'No QuickBooks needed' card, checked 28 October 2026 **What the price is based on** · Yes — Every plan is a flat monthly subscription for one person's books, not metered by transaction, connected account or business spending. > Starter TRACK $4.99 /mo > — https://snaptaxapp.com/pricing · Plan cards, Starter column price cell, checked 28 October 2026 **Users included** · Partly — The plan cards name no user count; the only seat the vendor describes is a second spouse login, and that sits in the Optimizer multi-business beta rather than in Starter or Builder. > 2 Separate spouse logins sharing one household Tax Center > — https://snaptaxapp.com/features/multi-business · Statistics strip under the page heading, checked 28 October 2026 **Setup or onboarding fee** · Yes — Setup is optional and self-serve, but the vendor sells a one-time $49 thirty-minute session with the founder that configures the account and calculates your first estimate. > Get Set Up by the Founder — 30 Minutes, $49 $49 / one-time > — https://snaptaxapp.com/pricing · Optional Add-On, White-Glove Setup card, checked 28 October 2026 ### What the AI does with your books **What the AI does** · Yes — AI reads an uploaded bank statement and assigns each transaction a Schedule C category, answers whether an expense is deductible, and a chat assistant handles app and tax questions. > Upload your bank statement directly into SnapTax and the AI reads each transaction and automatically assigns it to the right expense category. > — https://snaptaxapp.com/faq · Deductions & Expenses, 'How does AI expense categorization work?', checked 28 October 2026 **What the AI costs** · Yes — included in the plan price: the chat assistant comes with every plan including Free, and AI categorization is part of Builder's $19.99 a month with no credits or add-on fee. > AI-assisted income & expense categorization > — https://snaptaxapp.com/pricing · Builder plan card, feature list, checked 28 October 2026 **Categorizes transactions** · Partly — Builder and above categorize each uploaded transaction automatically and the vendor says the AI learns from your behavior; Free and Starter have no categorization at all. > Automatically categorizes transactions Learns from your behavior Easy to correct and improves over time > — https://snaptaxapp.com/quickbooks-alternative · AI-Powered section, AI Expense Categorization list, checked 28 October 2026 **Reconciles your accounts** · Partly — Builder adds a month-end close wizard and checklist, but the vendor describes no matching of your accounts against a bank or card statement balance each month. > Month-end close checklist > — https://snaptaxapp.com/features · Full comparison table, Bookkeeping Automation section, checked 28 October 2026 **Reads receipts and bills** · Partly — On Builder you photograph or upload a receipt and it is stored and matched to the transaction automatically; Free and Starter include no receipt capture. > Receipt Management — Upload, store & match receipts > — https://snaptaxapp.com/pricing · Builder plan card, feature list, checked 28 October 2026 **Pays your bills** · No — The vendor sends buyers who want bill pay elsewhere: capturing vendor bills, routing approvals and paying them are not part of this product on any plan. > Payroll managed by your accounting software Invoicing or bill pay Balance sheet reporting → Use QuickBooks > — https://snaptaxapp.com/quickbooks-alternative · The Bottom Line, 'If you want' column, checked 28 October 2026 **Sends invoices** · No — Invoicing with AI payment matching is printed on the Builder card as still to come, and the honest-take list on the home page tells buyers who need invoicing to look elsewhere. > Customers & Vendors — customer directory, vendor registry, invoicing, AI payment matching, and a 1099-NEC & 1099-MISC centerCOMING SOON > — https://snaptaxapp.com/pricing · Builder plan card, feature list, checked 28 October 2026 **Accrual books and reports** · Partly — Builder produces a monthly and annual profit and loss from categorized transactions, but the balance sheet is cash-basis and still in development, and no cash flow statement is offered. > Assets, liabilities & balance sheetSimplified cash-basis balance sheet with CPA-ready PDF & CSV export — in active development > — https://snaptaxapp.com/features · Full comparison table, Bookkeeping Automation section, checked 28 October 2026 ### Who checks the AI’s work **People check the books** · No — Nobody at the vendor checks the AI's categorization: the product is sold as self-serve planning and the home page tells buyers who want their books managed to look elsewhere. > SnapTax is self-serve tax planning for solo business owners who want to understand their numbers — without becoming an accountant. > — https://snaptaxapp.com/ · Honest Take, 'SnapTax is NOT for Everyone', checked 28 October 2026 **Your own bookkeeper** · Partly — There is no assigned bookkeeper on any plan; the only human time sold is one 30-minute $49 session with the founder, and the vendor rules out ongoing one-on-one support. > Want ongoing one-on-one accounting support > — https://snaptaxapp.com/ · Honest Take list of who SnapTax is not for, checked 28 October 2026 **Accuracy the vendor claims** · Partly — The vendor claims current IRS and state tables and a realistic picture, but publishes no accuracy percentage and no method by which any such figure was measured. > SnapTax uses current tax rules and standard self-employment calculations to generate estimates. While it isn't a substitute for professional tax advice, it is designed to give independent contractors a clear, realistic picture > — https://snaptaxapp.com/faq · Tax Estimates & Rates, 'How accurate are SnapTax estimates?', checked 28 October 2026 ### Where your books live and what it connects to **Xero** · Yes — QuickBooks sends a monthly profit and loss into SnapTax from Starter up, and the Optimizer multi-business beta adds Xero and Wave > QuickBooks P&L Integration — import your monthly P&L directly into SnapTax > — https://snaptaxapp.com/pricing · Starter plan card, feature list, checked 28 October 2026 **QuickBooks Desktop** · No — QuickBooks Desktop and NetSuite appear nowhere. > QuickBooks P&L Integration — import your monthly P&L directly into SnapTax > — https://snaptaxapp.com/pricing · Starter plan card, feature list, checked 28 October 2026 **NetSuite** · No — QuickBooks Desktop and NetSuite appear nowhere. > QuickBooks P&L Integration — import your monthly P&L directly into SnapTax > — https://snaptaxapp.com/pricing · Starter plan card, feature list, checked 28 October 2026 **Bank and card feeds** · No — Nothing pulls transactions from your banks or cards: you drag in a statement as CSV, PDF, OFX or QFX, and direct connections are described as a future version. > Today, SnapTax does not require bank account connections. You can simply drag and drop a bank statement into SnapTax and the tool will read the file and auto-categorize your transactions. > — https://snaptaxapp.com/faq · Deductions & Expenses, 'Do I need to connect my bank accounts?', checked 28 October 2026 **Stripe** · No — Stripe, Square, PayPal, Venmo and Cash App are handled only as statement or CSV files you upload > Works with Any bank or credit union Credit cards Venmo & Zelle PayPal & Cash App Stripe & Square Any CSV export > — https://snaptaxapp.com/quickbooks-alternative · No Bank Connection section, 'Works with' list, checked 28 October 2026 **Shopify** · No — the vendor names no live connection, and Shopify and Gusto are not mentioned. > Works with Any bank or credit union Credit cards Venmo & Zelle PayPal & Cash App Stripe & Square Any CSV export > — https://snaptaxapp.com/quickbooks-alternative · No Bank Connection section, 'Works with' list, checked 28 October 2026 **PayPal** · No — Stripe, Square, PayPal, Venmo and Cash App are handled only as statement or CSV files you upload > Works with Any bank or credit union Credit cards Venmo & Zelle PayPal & Cash App Stripe & Square Any CSV export > — https://snaptaxapp.com/quickbooks-alternative · No Bank Connection section, 'Works with' list, checked 28 October 2026 **Square** · No — Stripe, Square, PayPal, Venmo and Cash App are handled only as statement or CSV files you upload > Works with Any bank or credit union Credit cards Venmo & Zelle PayPal & Cash App Stripe & Square Any CSV export > — https://snaptaxapp.com/quickbooks-alternative · No Bank Connection section, 'Works with' list, checked 28 October 2026 **Gusto payroll** · No — the vendor names no live connection, and Shopify and Gusto are not mentioned. > Works with Any bank or credit union Credit cards Venmo & Zelle PayPal & Cash App Stripe & Square Any CSV export > — https://snaptaxapp.com/quickbooks-alternative · No Bank Connection section, 'Works with' list, checked 28 October 2026 **Payroll** · No — none: payroll is not built in, sold as an add-on or connected from another provider, and the vendor points buyers who need it to QuickBooks instead. > Payroll managed by your accounting software Invoicing or bill pay Balance sheet reporting → Use QuickBooks > — https://snaptaxapp.com/quickbooks-alternative · The Bottom Line, 'If you want' column, checked 28 October 2026 **Moves your history in** · Yes — You export your QuickBooks transactions as a CSV and upload them, and the AI categorizes the lot; the vendor charges nothing extra and claims setup in under ten minutes. > Export your transactions from QuickBooks as a CSV and upload them into SnapTax. AI will categorize everything automatically. Most users are fully set up in under 10 minutes. > — https://snaptaxapp.com/quickbooks-alternative · FAQ, 'Can I switch from QuickBooks to SnapTax easily?', checked 28 October 2026 **Platforms** · Yes — web, ios, android: it runs in any browser on desktop and installs to an iPhone or Android home screen as a progressive web app rather than through an app store. > SnapTax is a Progressive Web App (PWA) — a modern type of mobile application that installs directly on your iPhone or Android home screen from your browser. > — https://snaptaxapp.com/mobile-app · 'SnapTax Installs Like a Native App' section, checked 28 October 2026 **Getting your books out** · Partly — You can export a Schedule C TXF file, profit and loss reports and a zipped receipt audit package, but there is no general ledger or trial balance to take, since the product keeps neither. > It's designed for IRS audits or CPA reviews — personal transactions are automatically excluded. You can download a CSV report or a complete ZIP bundle with all receipt files included. > — https://snaptaxapp.com/faq · Tax Import & Export, 'What is the Receipt Audit Export?', checked 28 October 2026 ### Taxes **Files your tax return** · No — It never files anything: the vendor states plainly that this is planning, and you take the numbers to TurboTax or an accountant to file. > No — SnapTax is a tax planning tool, not a tax filing service. It helps you stay prepared throughout the year so when it's time to file, you already know what to expect. > — https://snaptaxapp.com/faq · Tax Estimates & Rates, 'Will SnapTax file my taxes for me?', checked 28 October 2026 **Files 1099s** · No — A 1099-NEC and 1099-MISC center with Track1099 and IRS IRIS filing exports is printed on the Builder and Optimizer columns as still in active development, not as something you can use now. > Includes 1099-NEC & 1099-MISC center with Track1099 / IRS IRIS filing exports — in active development > — https://snaptaxapp.com/features · Full comparison table, Customers, vendors & invoicing row, checked 28 October 2026 **Quarterly tax estimates** · Yes — This is the core of the product: all four IRS quarterly amounts, federal, state and self-employment tax, with deadline countdowns and email reminders even on the free plan. > All four quarterly tax estimates — real federal & state engine > — https://snaptaxapp.com/pricing · Free plan card, feature list, checked 28 October 2026 ### What it keeps track of **Inventory** · No — Stock quantities are out of scope by design; the vendor positions the product against software built for companies with inventory, and only a cost of goods sold total reaches the tax export. > Most self-employed accounting software was designed for businesses with employees, payroll, and inventory. SnapTax is freelancer bookkeeping software built from scratch for solo workers > — https://snaptaxapp.com/quickbooks-alternative · Built for You section opening paragraph, checked 28 October 2026 **Mileage** · Partly — Builder adds a GPS tracker you start and stop in the phone app, with manual and photo entry too, and the deduction flows into the estimate; Free and Starter have none of it. > Tap Start Trip and your phone's GPS records the route while you drive — tap End Trip when you arrive. Every trip is logged with date, destination, business purpose, and miles > — https://snaptaxapp.com/mobile-app · Feature list, GPS Mileage Tracker card, checked 28 October 2026 ### Your data and its security **SOC 2 report** · Partly — The vendor claims its hosting infrastructure is SOC 2 compliant, but names no SOC report of its own, no type and no way to request one. > Your information is stored in enterprise-grade, SOC 2 compliant infrastructure — the same security standard used by major financial institutions. > — https://snaptaxapp.com/faq · Security & Privacy, 'Is my financial data secure with SnapTax?', checked 28 October 2026 **Your data trains AI** · No — The vendor states uploaded statements are used for nothing beyond processing your transactions and are never shared or sold, so no opt-out is offered because none is needed. > They are never shared, sold, or used for any purpose other than processing your transactions. > — https://snaptaxapp.com/faq · Security & Privacy, 'What happens to my bank statements after I upload them?', checked 28 October 2026 ### Who it is built for **For accounting firms** · No — There is no firm or multi-client plan; the terms forbid using the service to provide tax planning to others on a white-label or outsourced basis without written consent. > use the Service to provide tax-planning services to others on a white-label or outsourced basis without our written consent > — https://snaptaxapp.com/terms · Section 3, License to Use SnapTax, prohibited uses, checked 28 October 2026 **Several businesses** · No — Several businesses under one household account is printed on the Optimizer card as coming soon, so today one account keeps one business's numbers. > Multi-business Support — One household tax number across multiple 1099 businessesCOMING SOON > — https://snaptaxapp.com/pricing · Optimizer plan card, feature list, checked 28 October 2026 **Canada** · No — Canada, the UK and Australia are not served. > Audience: U.S.-based independent contractors, gig workers, freelancers, consultants, real estate agents, rideshare drivers, content creators, and Schedule C small business owners. > — https://snaptaxapp.com/llms.txt · Key facts, Audience bullet, checked 28 October 2026 **Australia** · No — Canada, the UK and Australia are not served. > Audience: U.S.-based independent contractors, gig workers, freelancers, consultants, real estate agents, rideshare drivers, content creators, and Schedule C small business owners. > — https://snaptaxapp.com/llms.txt · Key facts, Audience bullet, checked 28 October 2026 ### Trying it, starting and getting help **Free trial or free plan** · Yes — A permanent $0 plan gives real quarterly estimates on your own numbers with no card and no expiry, and each paid plan adds its own 30-day trial on top. > $0 forever · no credit card · no expiration > — https://snaptaxapp.com/pricing · Free plan card, price cell, checked 28 October 2026 **Sign up without a sales call** · Yes — You sign up and configure it yourself in minutes with no call required; the paid founder session is an optional extra rather than a gate on buying. > Cancel anytime. Upgrade or downgrade as your business grows. No contracts, no consultations, no bookkeeping retainers. > — https://snaptaxapp.com/pricing · NO Long-Term Commitment block, checked 28 October 2026 **Contract and cancelling** · Yes — Billing is month to month with no contract, cancellation is in-app rather than by phone, and the terms confirm fees are billed in advance and renew until you stop them. > NO Long-Term Commitment > — https://snaptaxapp.com/pricing · Commitment block heading beneath the plan cards, checked 28 October 2026 **Support** · Partly — Support is email and in-app tickets plus an AI chat assistant, with a 72-hour target on Free and 24 hours on paid plans; no phone line or stated business hours are published. > Support SLA 72-hour 24-hour AI + 24hr human AI + 24hr human > — https://snaptaxapp.com/features · Full comparison table, Support & Account section, Support SLA row, checked 28 October 2026 ## SnapTax alternatives - [Zoho Books](https://tickmarkbooks.com/zoho-books) · Free plan, then $20 a month: Cloud accounting ledger with Zia AI, bank feeds, sales tax and 1099 e-filing, from $20 a month. - [FreeAgent](https://tickmarkbooks.com/freeagent) · From £10 a month (about $13): UK cloud accounting with HMRC filing, bank feeds and AI receipt capture, priced per business type. - [Puzzle](https://tickmarkbooks.com/puzzle) · No list price: AI-native accounting software with optional bookkeeper services for startups and small businesses. - [Pilot](https://tickmarkbooks.com/pilot) · No list price: A bookkeeping and tax service for startups that pairs software-driven dashboards with human financial advisors. - [Booke AI](https://tickmarkbooks.com/booke-ai) · No list price: An AI bookkeeper that works inside QuickBooks Online and Xero to categorize transactions and match documents. - [SimpleAI](https://tickmarkbooks.com/simpleai) · From $79 a month: AI agents that extract, classify and reconcile accounting documents, then publish them into Xero or QuickBooks. - [QuickBooks Online](https://tickmarkbooks.com/quickbooks-online) · Free plan, then $38 a month: Intuit's cloud ledger, now with Intuit Intelligence agents that categorize, reconcile and flag errors. - [Inkle](https://tickmarkbooks.com/inkle) · Free plan, then $30 a month: US accounting software with AI categorization, plus bookkeepers, tax filing and compliance in one app. - [Zoho Expense](https://tickmarkbooks.com/zoho-expense) · Free plan, then $4 a seat a month: Travel, expense and corporate card management with Zia AI receipt capture, from $4 per user a month. 6 of the 9 publish a price. [All 9 alternatives](https://tickmarkbooks.com/snaptax/alternatives/) ## Sources and changes Last changed 30 October 2026 **Sources on snaptaxapp.com** (9) - https://snaptaxapp.com/pricing, read 28 October 2026 - https://snaptaxapp.com/faq, read 28 October 2026 - https://snaptaxapp.com/quickbooks-alternative, read 28 October 2026 - https://snaptaxapp.com/features, read 28 October 2026 - https://snaptaxapp.com/, read 28 October 2026 - https://snaptaxapp.com/mobile-app, read 28 October 2026 - https://snaptaxapp.com/features/multi-business, read 28 October 2026 - https://snaptaxapp.com/llms.txt, read 28 October 2026 - https://snaptaxapp.com/terms, read 28 October 2026 ## Is this yours? Claim SnapTax: https://tickmarkbooks.com/claim/snaptax Report an error if a fact is wrong: hello@tickmarkbooks.com, subject "Report an error: SnapTax (snaptax)".