Everything You Need to Run
Your Business of One.
Curated financial tools, official IRS forms, and expert guides for solopreneurs, freelancers, and independent contractors.
Collective: The All-in-One S-Corp Solution
For high-earning freelancers, simply filing taxes isn't enough. Collective handles your **S-Corp formation**, **bookkeeping**, **payroll**, and **tax filing** in one platform. Users save an average of $10,000 per year in taxes.
Tax Software
Best for DIY filers earning under $80k or those with simple business structures.
TurboTax PremiumIndustry standard for expense categorization and Schedule C generation.
Business Banking
Separate personal and business finances to survive an IRS audit.
Found BankingBuilt-in tax withholding sub-accounts and auto-expense tracking.
Liability Insurance
Protect your personal assets from business lawsuits and errors.
Next InsuranceInstant COI (Certificate of Insurance) which many enterprise clients require.
Solo 401(k) / SEP
Tax-advantaged retirement accounts specifically for self-employed.
Fidelity / VanguardYou can contribute much more than a standard employee 401(k) to lower taxable income.
Invoicing & Contracts
Professional proposals and automated payment reminders.
BonsaiIron-clad freelancer contracts templates included.
More Coming Soon
We are vetting tools for Project Management and Time Tracking.
Official Forms API & Reference
Important Legal Disclaimer
The links below are for reference and educational purposes only. You strictly cannot download, print, and file "Copy A" of these forms with the IRS. Doing so may result in significant penalties. You must order official scannable forms from the IRS or use certified tax software to file electronically.
Nonemployee Compensation. Reporting payments to independent contractors.
Miscellaneous Information. Rent, royalties, healthcare payments.
Request for Taxpayer Identification Number and Certification.
Profit or Loss From Business. The primary form for sole proprietors.
Self-Employment Tax. Calculating Social Security and Medicare tax.
Frequently Asked Questions
Do I need a separate business bank account?
Yes. Commingling personal and business funds allows the IRS or legal claimants to "pierce the corporate veil," potentially negating your LLC protection. It also makes tax audits a nightmare.
When should I switch to an S-Corp?
Generally, once your **net profit** (profit after expenses) exceeds $80,000 - $100,000 per year, the tax savings from an S-Corp structure outweigh the additional administrative costs (payroll, separate tax return).