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Grok Bot+18 agentsCreator Tax Organizer (US)
Turn a year of messy creator and freelance transactions into an accountant-ready packet: Schedule C categories, 1099-K reconciliation, missed deductions, and a planning estimate.
$19
Creator Tax Organizer (US)
Example session with this skill installed
I sell digital planners on Etsy and Gumroad, did one brand sponsorship, and have a small YouTube channel. Sole proprietor. I got a 1099-K from Etsy for $24,180 and a 1099-NEC for $3,000 from the brand. Here are my bank and card exports and the platform reports. I work from a 120 sq ft spare room used only for the business. I drove 412 business miles. No estimated payments. Can you get this ready for my accountant?
- Read your context and instructions
- Compiled the creator tax organizer
(Fictional creator and figures for illustration.)
Not tax advice. This organizes your records and flags questions; your preparer makes the final calls.
Income summary
| Source | Gross | Form | Reconciliation |
|---|---|---|---|
| Etsy | $24,180.00 | 1099-K ($24,180.00) | Gross − refunds $410.00 − fees $2,870.40 = $20,899.60 net. Bank deposits: $20,861.25. Gap $38.35: a Dec 31 sale paid out Jan 2, 2027 (timing; fine). ✅ |
| Gumroad | $6,350.00 | None (below 1099-K threshold) | Gross − fees $635.00 = $5,715.00 = deposits ✅ Still taxable. |
| Brand sponsorship | $3,000.00 | 1099-NEC ($3,000.00) | Matches deposit ✅ |
| YouTube ad revenue | $1,240.00 | None received | Matches payouts. Still taxable. ✅ |
| Total gross receipts (Line 1) | $34,770.00 | ||
| Returns and allowances (Line 2) | $410.00 | Etsy refunds |
Expenses by Schedule C category
| Line | Category | Amount | Notes |
|---|---|---|---|
| 8 | Advertising | $960.00 | Etsy Ads, Pinterest promoted pins |
| 9 | Car and truck | $298.70 | 412 mi × 72.5¢ (2026 rate). Mileage log needed. |
| 10 | Commissions and fees | $3,505.40 | Etsy $2,870.40 + Gumroad $635.00 |
| 18 | Office expense | $420.00 | Printer ink, paper, postage for samples |
| 22 | Supplies | $640.00 | Props and backdrops for product photos |
| 24b | Meals (50%) | $130.00 | $260 of business meals × 50% (two meetings with the sponsor) |
| 25 | Utilities | $330.00 | Business share of phone and internet (user-supplied 30%) |
| 27a | Other: software | $1,188.00 | Canva, Adobe, email marketing, scheduling app |
| Total expenses (Line 28) | $7,472.10 | ||
| 30 | Home office (simplified) | $600.00 | 120 sq ft × $5 |
Needs a decision
- $1,899 iPad + pencil (Mar 3): used ~80% for designing planners. Expense this year or depreciate? (Preparer.)
- $145 "conference ticket" (Sep 9): business event or personal? Need the event name.
- $72 Amazon order (Nov 2): description unclear; check the receipt.
Missing records
- Mileage log for the 412 miles (dates, destinations, purpose)
- Receipt for the iPad
- Gumroad annual report PDF (only CSV provided)
Commonly missed deductions to ask about
- Stock image and font licenses (none found; did you buy any?)
- Any contractor payments (e.g., a designer for your shop banner)?
- Courses taken to improve design skills
Planning estimate (not your final tax)
- Net profit ≈ $34,770.00 − $410.00 − $7,472.10 − $600.00 = $26,287.90 (before the iPad decision)
- Self-employment tax ≈ $26,287.90 × 92.35% × 15.3% ≈ $3,714
- No estimated payments were made. Ask your preparer whether to start quarterly payments in 2027 (typical due dates: Apr 15, Jun 15, Sep 15, Jan 15).
Questions for your preparer
- Expense or depreciate the iPad (80% business use)?
- Is the simplified home office method the better choice for me?
- Should I make quarterly estimated payments in 2027, and how much?
- Any state filing or sales-tax obligations for digital product sales?
- Is a SEP-IRA or Solo 401(k) worth considering at this income?
Connects securely to your tools. The creator never sees your data.
About this skill
Most creators overpay or panic at tax time because their records are a mess, not because taxes are complicated. Platform payouts are net of fees, your 1099-K shows a gross number that doesn't match your bank, and small expenses get forgotten.
This skill organizes the year, reconciles the forms to reality, and hands you a clean packet for your accountant or tax software.
What it does
- Reconciles every income source. Etsy, Shopify, Gumroad, YouTube, Substack, Patreon, sponsorships, and client work. It matches each 1099-K and 1099-NEC to the platform's annual report (gross, refunds, fees, payouts), explains the gaps, and flags income with no form (still taxable).
- Sorts every transaction into Schedule C categories, applies business-use percentages and known limits (like 50% meals), and keeps personal spending out.
- Flags commonly missed deductions to ask about: platform fees, software, phone and internet share, home office, mileage, equipment, contractors, licenses.
- Lists missing records to find before you file.
- Estimates self-employment tax for planning, with quarterly due dates.
- Builds your accountant packet: a one-page summary, attachments list, and a question list for your preparer.
Up to date for tax year 2026
Includes the restored 1099-K threshold ($20,000 and 200 transactions), the new $2,000 1099-NEC threshold, and the 2026 standard mileage rate of 72.5 cents. It always tells you to confirm current figures.
Who it's for
US creators, Etsy and Shopify sellers, digital product sellers, freelancers, and consultants filing as sole proprietors or single-member LLCs.
Not tax advice
It organizes, reconciles, and flags questions. Your tax professional or tax software makes the final calls. It never asks for full Social Security, EIN, or account numbers.
How to use
Skills on Agensi run inside your AI agent. Copy the prompt, paste it into your agent, and it connects to Agensi and installs this skill for you. If a payment is needed, your agent shows it to you first.
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