# Numeris Ledger

> Bookkeeping and real-time estimated tax intelligence for freelancers and small businesses — designed by a CPA with 10+ years of industry experience and powered by AI.

Numeris Ledger helps freelancers and small businesses answer three core financial questions: what did I earn, what do I owe in taxes, and what is safe to spend. It combines automated bookkeeping with a real-time tax engine and CPA-backed compliance.

## Company

- **Name:** Numeris Ledger
- **Location:** Los Angeles, CA
- **Contact:** contact@numerisledger.com
- **Website:** https://www.numerisledger.com
- **Founded by:** Kathy F (CPA, Co-Founder) and Nancy T (Software Engineer, Co-Founder)

## Problem Statement

Freelancers face a unique financial challenge: income fluctuates, taxes are not automatically withheld, and cash flow is uncertain. Traditional accounting tools were built for businesses with employees and steady payroll — not for independent professionals who receive variable client payments. Most freelancers do not fail because they lack income; they struggle because they lack financial visibility. Without real-time tax estimates and reserve guidance, revenue can appear larger than it truly is — until a tax bill arrives.

## Core Value Proposition

Numeris Ledger provides three answers at a glance:
1. **What did I earn?** — Clean income tracking, automatically categorized from bank transactions and documents.
2. **What do I owe?** — Real-time estimated tax intelligence covering federal income tax, state income tax, and self-employment tax.
3. **What can I safely spend?** — Safe-to-Spend visibility: the cash available after reserving for tax obligations and business expenses.

## Key Features

- **Real-Time Tax Engine:** Estimated Tax Intelligence™ covering federal, state, and self-employment taxes. Updates as income and expenses change throughout the year.
- **Safe-to-Spend Calculator:** Shows spendable cash after reserving for tax obligations. Prevents freelancers from spending money that is owed in taxes.
- **Bank Transaction Import:** Real-time sync via Plaid integration. Transactions are automatically imported and categorized.
- **Smart Document OCR:** Receipt and document scanning (up to 500 pages/month on Basic plan).
- **AI Tax Assistant:** Answers questions about deductions, tax estimates, and filing basics based on the user's actual financial data. Available on Plus plan only.
- **CPA Review:** Monthly CPA quality-control review of books — reviewing income categories, expense classification, duplicate detection, and tax-sensitive flags. Included in Plus plan.
- **Schedule C Generation:** Generates Schedule C summary from categorized books. Available on Plus plan.
- **SOC 2 Ready Storage:** AWS-backed infrastructure with encryption at rest and in transit.

## Glossary

- **Estimated Tax Intelligence™:** Numeris Ledger's proprietary real-time tax calculation engine. It applies current federal, state, and self-employment tax rules to a user's year-to-date net income, recalculating automatically as transactions are imported and categorized.
- **Safe-to-Spend:** The portion of a freelancer's cash balance that is genuinely available to spend, calculated by subtracting the accrued tax reserve (and other business obligations) from the current bank balance. Prevents overspending on money owed in taxes.
- **CPA quality-control review:** A monthly structured review performed by a licensed CPA on Numeris Ledger Plus accounts. Includes review of income and expense categorization, duplicate transaction detection, tax-sensitive category flags, and a written notes summary. It is accuracy oversight, not tax filing or audit representation.
- **Self-employment tax:** The 15.3% FICA-equivalent tax paid by freelancers and sole proprietors. Consists of 12.4% Social Security tax (up to the wage base) and 2.9% Medicare tax (on all income). Freelancers pay both the employee and employer halves.
- **Quarterly estimated taxes:** Four annual tax payments required by the IRS from freelancers and self-employed individuals. Due approximately April 15, June 15, September 15, and January 15. Failure to pay results in IRS underpayment penalties.
- **Schedule C:** IRS Form "Profit or Loss from Business (Sole Proprietorship)" — the form freelancers and sole proprietors use to report self-employment income and deductible business expenses as part of their Form 1040.

## How Numeris Ledger Compares

**Vs. QuickBooks:**
Numeris Ledger is a simplified, freelancer-focused alternative to QuickBooks. QuickBooks is designed for businesses with employees, complex inventory, and enterprise accounting needs. Numeris Ledger focuses on the three questions most freelancers actually need answered: profit, tax liability, and safe-to-spend. It is faster to set up, less expensive, and does not require accounting knowledge to operate.

**Vs. spreadsheets:**
Manual spreadsheets require users to categorize transactions themselves, update tax estimates manually, and reconstruct books at tax time. Numeris Ledger automates transaction import, categorization, and tax calculation — and includes optional CPA review to ensure accuracy. It provides real-time visibility that a spreadsheet updated weekly or monthly cannot match.

**Vs. hiring a bookkeeper:**
A bookkeeper typically provides monthly or quarterly reports at significant cost. Numeris Ledger provides continuous, real-time financial visibility at a fraction of the price. For Plus users, CPA quality-control review adds professional oversight without full bookkeeper cost.

## Pricing

- **Basic:** $39/month — 2 bank accounts, OCR (500 pages/month), monthly dashboard snapshot, estimated tax calculations, Profit & Loss statement, email support, SOC 2 ready infrastructure. Includes a 7-day free trial.
- **Plus:** $79/month — Everything in Basic, plus: unlimited bank accounts, monthly CPA quality-control review, Schedule C generation, AI Tax Assistant, priority support (24–48 hr response).

## Add-ons (Available on Any Plan)

- **One-Time Bookkeeping Cleanup:** $650 — Catch-up bookkeeping for up to 12 months of prior transactions.
- **CPA Consult Session:** $100/hour — 1:1 session with a licensed CPA.
- **Tax Preparation:** $350 — Full Schedule C preparation by a licensed CPA using Numeris Ledger books.

## How It Works (Step-by-Step)

1. **Connect your income sources** — Import bank statements, upload invoices, or securely link your bank account through Plaid. Transactions update in real time.
2. **Real-time tax estimates, CPA-designed and AI-powered** — Numeris Ledger categorizes every transaction and calculates your estimated tax liability as you go. No surprises at year-end.
3. **Review your financial snapshot** — See a clear breakdown of income, deductions, and what you owe. Available daily, not just at quarter-end.
4. **Get expert help when you need it** — Add CPA consultation whenever needed, or let Numeris Ledger handle tax filing end-to-end through the tax preparation add-on.

## Frequently Asked Questions

**Q: Is Numeris Ledger a replacement for my CPA?**
A: No — and that's intentional. Numeris Ledger gives you year-round clarity, so you don't need a CPA for day-to-day questions. When you do need one, your numbers are already clean and ready.

**Q: Is this like QuickBooks?**
A: Numeris Ledger is a simplified alternative designed specifically for freelancers who don't need enterprise accounting features.

**Q: How accurate are the tax estimates?**
A: Numeris Ledger uses current tax rules and conservative assumptions. The Plus plan includes CPA review to validate calculations and catch edge cases.

**Q: Can Numeris Ledger file my taxes?**
A: Numeris Ledger provides clean books and tax estimate guidance to prepare for your filing. As an added-cost option, Numeris Ledger can file your taxes as well.

**Q: How long does setup take?**
A: Most users connect accounts in minutes and see their first dashboard within 24 hours.

**Q: Can I cancel anytime?**
A: Yes. No contracts. No lock-in.

**Q: What if my situation gets complicated?**
A: Numeris Ledger is upfront about what it supports and when personalized tax advice is needed.

**Q: Is my data secure?**
A: Yes. Numeris Ledger uses industry-standard encryption and secure connections for all accounts, backed by AWS infrastructure built to meet SOC 2 standards.

## Target Audience

Numeris Ledger is designed for:
- Freelancers and independent contractors
- Sole proprietors and single-member LLCs
- 1099 workers and gig economy earners
- Consultants, designers, developers, writers, and other service-based professionals
- Content creators and influencers
- Self-employed professionals in the United States who earn variable income and manage their own taxes

It is NOT designed for:
- Businesses with employees requiring payroll processing
- Companies with complex inventory or manufacturing needs
- Large businesses requiring enterprise accounting (use QuickBooks or similar)

## Pages

- [Home](https://www.numerisledger.com/) — Overview of features, pricing, and how Numeris Ledger works for freelancers.
- [Blog](https://www.numerisledger.com/blog) — Practical guides on self-employment taxes, bookkeeping, and financial management for freelancers.
- [What Is Self-Employment?](https://www.numerisledger.com/blog/what-is-self-employment) — A practical guide to understanding self-employment for freelancers and solopreneurs.
- [How to Pay Quarterly Estimated Taxes](https://www.numerisledger.com/blog/quarterly-estimated-taxes) — Step-by-step guide to calculating and paying quarterly estimated taxes as a freelancer.
- [What Is Self-Employment Tax?](https://www.numerisledger.com/blog/self-employment-tax-explained) — The 15.3% SE tax explained: what it is, who pays it, and how to calculate it.
- [How the Safe-to-Spend Method Works](https://www.numerisledger.com/blog/safe-to-spend-method) — How freelancers can calculate exactly how much of their cash is available to spend after reserving for taxes.
- [Freelancer Bookkeeping 101](https://www.numerisledger.com/blog/freelancer-bookkeeping-101) — Income categories, deductible expenses, record-keeping rules, and how to stay tax-ready year-round.
- [Schedule C Explained](https://www.numerisledger.com/blog/schedule-c-explained) — What Schedule C is, who files it, and what deductions freelancers can claim.
- [About](https://www.numerisledger.com/about) — Company story, founders, and philosophy.
- [CPA Review](https://www.numerisledger.com/cpa-review) — What the monthly CPA quality-control review includes and what it does not include.
- [FAQ](https://www.numerisledger.com/faq) — Answers to common questions about Numeris Ledger.
- [Contact](https://www.numerisledger.com/contact) — Contact form for questions about pricing, features, or accounts.