Accumulator

Good morning, [Name].

Here's your business summary for today. — periods loaded · —

Total Revenue

$—

—

Total Expenses

$—

—

Deductible only

Net Income

$—

—% margin

After deductible exp.

DR-15 Due

$—

⚠ Due —

— periods · 7% total

DR-15 overdue — Current period not yet filed. Due date was —. Late fees may apply.

— payees may need a 1099-NEC form. Paid over $600 to contractors. Deadline: January 31.

Revenue per Period 2025

Jan

Feb

Mar

Revenue

Expenses

Expense Breakdown $—

Contractors

$——%

Supplies

$——%

Rent

$——%

Utilities

$——%

Year Coverage — 2025 — / 12 months

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

— months remaining · add the next period to continue your year

Business Health Score — / 100

Revenue filed

+25

All categories set

+18

DR-15 current

+15

1099s ready

+20

Revenue & Expenses

Everything your business earned and spent, broken down by category. Data for loaded periods.

Total Revenue

$—

— periods

Deductible Exp.

$—

Tax-deductible

Non-Deductible

$—

Remove from filing

Net Income

$—

—% margin

Expense Categories IRS Lines

Category	IRS Line	Amount	% Total	Deductible?
Contract Labor	Line 11	$—	—%	✓ Yes
Supplies & Materials	Line 22	$—	—%	✓ Yes
Rent (Commercial)	Line 20b	$—	—%	✓ Yes
Utilities	Line 25	$—	—%	✓ Yes
Meals (50% rule)	Line 24b	$—	—%	⚠ 50%
Personal Expenses	—	$—	—	✗ Remove

My Periods

Each uploaded file represents one month or quarter. — periods loaded. Click any period to see its detail.

Period	File	Revenue	Expenses	Net Income	DR-15 Due	Status
Period 1	—	$—	$—	$—	$—	✓ Filed
Period 2	—	$—	$—	$—	$—	✓ Filed
Period 3	—	$—	$—	$—	$—	⚠ Overdue

Review & Correct

Our AI automatically categorized your transactions. — need your review — they may be wrong or unclear.

Needs Your Review — items

Date	Payee	Amount	AI Suggested
—	[Merchant A]	$—	Supplies?
—	[Merchant B]	$—	Travel?
—	[Merchant C]	$—	Unknown

All Transactions

Every income and expense across all loaded periods. — transactions · —

Date	Payee / Source	Type	Amount	Category	Deductible
—	[Client A] — Services	Income	+$—	Revenue	Revenue
—	[Contractor A] (Contractor)	Expense	−$—	Contract Labor	✓ Yes
—	[Merchant B]	Expense	−$—	Travel? ⚠	Review
—	[Client B] — Monthly Retainer	Income	+$—	Revenue	Revenue
—	Personal Purchase	Expense	−$—	Personal	✗ Remove

Payees & 1099-NEC

Everyone you paid money to. — people may need a 1099-NEC form — paid over $600 in cash to a contractor. Deadline: January 31.

Action needed: Some contractors were paid over $600 in total fees. You must issue 1099-NEC forms by January 31 or face IRS penalties.

#	Payee	Total Paid	% of Expenses	Category	1099-NEC
1	[Contractor A]	$—	—%	Contract Labor	⚠ Required
2	[Contractor B]	$—	—%	Contract Labor	⚠ Required
3	[Vendor A]	$—	—%	Supplies	✓ No
4	[Utility Company]	$—	—%	Utilities	✓ No

DR-15 Sales Tax

Florida sales tax you owe to the state. Filed monthly or quarterly on apps.floridarevenue.com. Your CPA can help.

March 2025 — Current Period ⚠ Overdue

Gross Revenue

$—

State Tax (6%)

$—

County Surtax (1% Miami-Dade)

$—

Collection Allowance (2.5%, max $30)

−$—

Total You Owe

$—

All Periods — 2025

Period	Revenue	DR-15	Due Date	Status
Period 1	$—	$—	—	Filed
Period 2	$—	$—	—	Filed
Period 3	$—	$—	—	⚠ Overdue

⚠ Guidance draft only. File at apps.floridarevenue.com. Consult your CPA.

Alerts

Things your business needs attention on right now. 3 active alerts.

DR-15 overdue — current period.
Due date was —. Late filing may result in penalties. File now at apps.floridarevenue.com or contact your CPA immediately.

— contractors need 1099-NEC forms.
Contractors paid over $600. Issue 1099-NEC forms before January 31.

— transactions need categorization.
Our AI wasn't sure about the category for 7 recent transactions. Review them in the Categorize panel to ensure your taxes are accurate.

Mileage Log

Track your business trips. The IRS allows a deduction of $0.70 per mile driven for business in 2025. Don't leave this money on the table!

Total Miles

—

Deduction Value

$—

At $0.70/mile

Trips Logged

—

This year

Recent Trips

Date	From → To	Purpose	Miles	Deduction
—	— → —	—	—	$—
—	— → —	—	—	$—
—	— → —	—	—	$—

AI Advisor

Ask anything about your business finances. Ask anything about your business finances. Upload your data and the AI will know your periods, transactions, and numbers.

👋 Hi! Upload your data and I'll be able to analyze your revenue, expenses, margins, and more. What would you like to know?

Settings & Profile

Customize how Accumulator works for your business. Changes save automatically.

Business Profile

?

Your Business

Profile photo appears on reports and your account menu

Upload Photo JPG, PNG or GIF · Max 2MB

Business Name

EIN (Tax ID)

Used on tax forms. Keep this private.

Business Type

State / Jurisdiction

✓ Florida rules active — DR-15 sales tax, DBPR license tracking, 6% state rate.

County (Sales Tax Surtax)

Appearance & Language

Dark Mode

Easier on the eyes in low light

Language

Interface language

Show IRS Line Numbers

Show technical tax codes in tables

Active State Rules Florida

Sales Tax Form

DR-15

Monthly or Quarterly

State Base Rate

6.0%

+ County Surtax

License Authority

DBPR

+ Local BTR

Filing Portal

FL DOR

floridarevenue.com

Coming soon: Texas (no income tax, franchise tax), New York (complex multi-rate), California (CDTFA), Georgia, and more. Each state will have its own tax forms, rates, deadlines, and license tracking automatically activated.

Email Notifications

DR-15 Reminder

Email 5 days before each deadline

1099-NEC Reminder

Alert in December before Jan 31 deadline

Insurance Expiry Alert

30 days before policy expires

Weekly Summary

Business health snapshot every Monday

Plan & Subscription Pro

You're on the Pro Plan — unlimited periods, AI Advisor, all export formats.

Next billing: — · $49/month

Danger Zone

These actions cannot be undone.

Business Statistics

Real insights from your loaded periods. Top clients, expense breakdown, trends and projections.

Total Inflows

$—

—

Total Outflows

$—

—

Deductible only

Net Income

$—

—% net margin

After deductible exp.

Transactions

—

Top Income Sources Clients

[Client A]

$—

[Client B]

$—

[Client C — Wire]

$—

Top Expenses Outflows

[Contractor B]

$—

[Contractor A]

$—

[Vendor A]

$—

[Travel Expense]

$—

[Utility]

$—

Monthly Activity

Jan

Feb

Mar

Inflows

Outflows

Expense Breakdown

Contractors

$—

Food & Dining

$—

Travel

$—

Utilities

$—

Banking Fees

$—

Cash Flow Projection Next 3 months · based on avg

Month +1

Projected Inflow

$—

Projected Expenses

$—

Est. Net

$—

Month +2

Projected Inflow

$—

Projected Expenses

$—

Est. Net

$—

Month +3

Projected Inflow

$—

Projected Expenses

$—

Est. Net

$—

* Based on average monthly activity from the 3 loaded periods.

Annual Tax Summary

Full year packaged and ready for your CPA — FY —. Includes 1065 summary, Schedule C data, and K-1 distributions.

Total Revenue

$—

—

Total Deductions

$—

Schedule C line 28

Taxable Income

$—

—% margin

Est. Tax Liability

$—

~22% effective rate

Schedule C Summary Form 1040

Gross Receipts (Line 1a)

$—

Cost of Goods Sold

$0

Gross Profit (Line 5)

$—

Total Expenses (Line 28)

$—

Net Profit (Line 31)

$—

Monthly Revenue FY —

Jan
$—

Feb
$—

Mar
$—

Apr
$—

May
$—

Jun
$—

Jul
$—

Aug
$—

Sep
$—

Oct
$—

Nov
$—

Dec
$—

Best month: — ($—) · Lowest: — ($—)

1099-NEC Recipients 2 contractors

Contractor	EIN / SSN	Total Paid	1099 Required	Status
[Contractor A]	XX-XXX####	$—	Yes — over $600	Pending
[Contractor C]	XX-XXX####	$—	Yes — over $600	Filed

Tax Forms

Generate or download any form your business needs — directly from your loaded data. All forms are pre-filled with your numbers and ready in one click.

— forms need your attention

Upload your periods to see which forms are due, overdue, or ready to generate.

📋 Income Tax

Schedule C Form 1040

Profit or Loss from Business. Pre-filled with your revenue, deductible expenses, and net profit from all loaded periods.

✓ Ready

Deadline: April 15 · Gross receipts, deductions, Line 31 net profit

Form 1065 Partnership

U.S. Return of Partnership Income. Required if your business is a multi-member LLC or partnership filing jointly.

Available

Deadline: March 15 · Includes K-1 distributions per partner

Schedule K-1 Per Partner

Partner's share of income, deductions, and credits. One K-1 must be issued to each partner in your LLC or partnership.

Available

Issued with Form 1065 · One per partner · Share with your CPA

DR-15 FL Sales Tax

Florida Sales and Use Tax return. Pre-calculated with your gross revenue, 6% state tax + county surtax, and collection allowance.

⚠ Overdue

Due 20th of each month · File at apps.floridarevenue.com

👥 Contractor Forms

1099-NEC Per Contractor

Required for any contractor paid $600+ in a year via cash, check, Zelle, or Venmo. One form per contractor — generated from your transaction data.

— Pending

[Contractor A] $— paid W-9 Missing

[Contractor B] $— paid W-9 ✓

Deadline: January 31 · Penalty: $60–$310 per missing form

W-9 On Demand

Request for Taxpayer Identification Number. Send to contractors before paying them so you have their EIN or SSN on file when it's time to issue a 1099-NEC.

Available

W-9 Tracker

[Contractor A] — Missing

[Contractor B] — ✓ On file

Collect before first payment · Keep on file for 4 years

📂 All Available Forms — Generate Anytime

Every form below can be generated directly from your loaded data. No manual entry needed — your numbers are already there. Share them with your CPA, bank, or contractors in one click.

Form	What it's for	Who needs it	Deadline
Schedule C	Profit & Loss — your main business tax form	Sole Proprietor	Apr 15
Form 1065	Partnership return — multi-member LLC	Partnership	Mar 15
Schedule K-1	Partner's income share — one per partner	Each Partner	Mar 15
1099-NEC	Contractor payments — one per contractor ≥$600	Contractors	Jan 31
W-9	Collect contractor's tax ID before paying them	New Contractors	On demand
DR-15	Florida sales tax — monthly or quarterly	FL Businesses	20th/mo
Additional Forms
W-2	Wages for employees (if you have W-2 employees)	Employees	Jan 31
1096	Summary transmittal — filed with 1099s to IRS	With 1099s	Jan 31
FinCEN 114	FBAR — foreign accounts over $10k at any point	Intl Activity	Apr 15

All forms are generated for reference and pre-filing review only. Always verify with your CPA before submitting to the IRS or Florida DOR. Accumulator is not a tax filing service.

Financial Reports

Professional reports for your bank, CPA, or investors. Period: —. Export as PDF or Excel in one click.

Period 1

Period 2

Period 3

◎ Global View

Gross Revenue

$—

—

Deductible Expenses

$—

Schedule C ready

Net Income

$—

—% margin

Est. Tax Liability

$—

~22% effective rate

Income Statement Schedule C Ready

Revenue

Gross Receipts (Line 1a)

$—

Returns & Allowances (Line 2)

$0

Net Revenue (Line 3)

$—

Deductible Expenses

Contract Labor (Line 11)

($—)

Supplies & Materials (Line 22)

($—)

Travel (Line 24a)

($—)

Meals — 50% only (Line 24b)

($—)

Utilities & Phone (Line 25)

($—)

Insurance (Line 15)

($—)

Bank Fees (Line 27a)

($—)

Other Expenses (Line 27a)

($—)

Non-Deductible (excluded)

Personal Expenses REMOVE

($—)

CC Payments NOT DEDUCTIBLE

($—)

Net Profit (Line 31)

$—

Expense Breakdown by IRS Category

Contract Labor

$—

Supplies & Materials

$—

Travel / Auto

$—

Meals (50% rule)

$—

Phone / Utilities

$—

Insurance

$—

Bank Fees

$—

⚠ Meals 50% Rule — IRC §274

Business meals are only 50% deductible. The system automatically halves meal expenses before including them on Line 24b. Keep itemized receipts.

✗ Non-Deductible Items Detected

Personal expenses and CC payments are flagged and excluded from all tax calculations. Review them in the Categorize panel.

Contractor	Total Paid	W-9 on file	1099 Status
[Contractor A]	$—	Pending	⚠ Required
[Contractor B]	$—	On file	In progress

Period	Taxable Revenue	State 6%	County Surtax	Allowance	Total Due	Status
Period 1	$—	$—	$—	($—)	$—	Filed
Period 2	$—	$—	$—	($—)	$—	Filed
Period 3	$—	$—	$—	($—)	$—	⚠ Overdue

#	Originator / Source	Transactions	Total Amount	% of Revenue
1	[Client A]	—	$—	—%
2	[Client B]	—	$—	—%
3	[Client C]	—	$—	—%

IRS Category	Transactions	Total	Deductible
Contract Labor Line 11	—	$—	✓ 100%
Travel / Auto Line 24a	—	$—	✓ 100%
Meals Line 24b	—	$—	⚠ 50%
Phone / Utilities Line 25	—	$—	✓ 100%
Insurance Line 15	—	$—	✓ 100%
Bank Fees Line 27a	—	$—	✓ 100%
Personal — Non-Deductible REMOVE	—	$—	✗ Remove
CC Payments NOT DEDUCTIBLE	—	$—	✗ Not exp.

Date	Payee / Source	Type	IRS Category	Amount	Deductible	Period
—	[Client A]	Income	Revenue	+$—	Revenue	Period 1
—	[Contractor A]	Expense	Contract Labor	−$—	✓ Line 11	Period 1
—	[Restaurant / Travel]	Expense	Meals 50%	−$—	⚠ 50%	Period 1
—	[Personal Store]	Expense	Personal	−$—	✗ Remove	Period 1

#	Originator / Client	Country	Payment Method	Transactions	Total Revenue	% Share	FBAR?
1	[Client A]	🇺🇸 USA	Wire Transfer	—	$—	—%	No
2	[Client B]	🇪🇸 Spain	Int'l Wire	—	$—	—%	Review
3	[Client C]	🇺🇸 USA	ACH / Wire	—	$—	—%	No

Total Payees

—

Unique recipients

1099-NEC Required

—

Contractors ≥ $600

Total Paid Out

$—

All expense payees

Top Payee Concentration

—%

of total expenses

All Payees Ranked By amount paid

#	Payee / Merchant	Category	IRS Line	Transactions	Total Paid	% Expenses	1099-NEC
1	[Contractor A]	Contractor	Line 11	—	$—	—%	⚠ Required
2	[Contractor B]	Contractor	Line 11	—	$—	—%	⚠ Required
3	[Retail / Supply Store]	Vendor	Line 22	—	$—	—%	✓ No
4	[Utility Company]	Utilities	Line 25	—	$—	—%	✓ No
5	[Personal Store] ⚠ Personal	Personal	REMOVE	—	$—	—%	✓ No

1099-NEC Action List Deadline: Jan 31

Rule: Any individual or unincorporated entity paid $600 or more in a calendar year for services must receive Form 1099-NEC by January 31. Corporations (Inc, Corp, LLC taxed as Corp) are generally exempt. Penalty: $60–$310 per missing form.

Contractor	Total Paid	W-9 on File	EIN / SSN	Form Status	Action
[Contractor A]	$—	Missing	—	⚠ Required
[Contractor B]	$—	On file	XX-XXX####	Pending

Account	Type	IRS Line
Sales / Revenue	Income	Line 1a
Contract Labor	Expense	Line 11
Travel & Auto	Expense	Line 24a
Meals (50%)	Expense	Line 24b
Utilities & Phone	Expense	Line 25
Insurance	Expense	Line 15
Office / Equipment	Expense	Line 18
Bank Fees	Expense	Line 27a
Advertising	Expense	Line 8
Professional Services	Expense	Line 17
Non-Deductible / Personal	Excluded	REMOVE

Reports generated from loaded period data. For organizational purposes only · Not a substitute for CPA advice.

Bank Reconciliation

Comparing your uploaded transactions against your bank statement — current period.

Bank Statement Balance

$—

As of period end

Records Balance

$—

From your periods

Difference

$0.00

✓ Fully reconciled

Matched Transactions — matched

Date	Description	Bank Amount	Record Amount	Status
—	[Client A] — Wire	$—	$—	Match
—	[Vendor A]	($—)	($—)	Match
—	Domestic Wire Fee	($—)	($—)	Match
—	[Travel Expense]	($—)	($—)	Match
—	[Client A] — Wire	$—	$—	Match

Unmatched Items 0 items

All transactions matched. Your records are clean.

Insurance & Licenses

All your business policies, license renewals, and important documents. — policy expires soon.

General Liability Policy expires —. Renew before expiry to avoid a gap in coverage. Contact your insurance agent to renew before the expiry date.

Active Policies 3 policies

Policy	Provider	Coverage	Premium/mo	Expiry	Status
General Liability	[Provider]	$—	$—	—	Expiring
E&O / Professional	[Provider]	$—	$—	—	Active
Cyber Liability	[Provider]	$—	$—	—	Active

Business Licenses 2 active

License	Issuing Authority	License #	Renewal	Status
FL Business License	Florida DBPR	FL-XXXXXX	—	Active
Local BTR	[County]	XXXXXX	—	Active

Bills & Services

Your recurring monthly business costs — subscriptions, utilities, software. Total: $—/month.

Monthly Fixed Costs

$—

— active subscriptions

Annual Commitment

$—

Auto-renewing

% of Net Income

—%

—

Recurring Bills Monthly

Service	Category	Billing	Amount	Next Payment	Status
[Phone Provider]	Utilities	Monthly	$—	—	Auto-pay
[Insurance 1]	Insurance	Monthly	$—	—	Auto-pay
[Insurance 2]	Insurance	Monthly	$—	—	Auto-pay
[Insurance 3]	Insurance	Monthly	$—	—	Auto-pay
[Accounting Software]	Software	Monthly	$—	—	Auto-pay
[Productivity Suite]	Software	Monthly	$—	—	Auto-pay
[Video Conferencing]	Software	Monthly	$—	—	Auto-pay
[Cloud Storage]	Software	Monthly	$—	—	Auto-pay
Outsourcing Pro Plan	Software	Monthly	$49	—	Pro

Business Calendar

All your important tax deadlines, filing dates, license renewals, and payment reminders in one place.

Upcoming Deadlines — this month

!

DR-15 Sales Tax — current period

Florida Department of Revenue · $— due

Due — · OVERDUE — late fees may apply

!

General Liability Insurance Renewal

State Farm · Current premium $142/mo

Expires Jun 15, 2025 · 17 days remaining

DR-15 Sales Tax — Q2 2025

Florida Department of Revenue

Due Jul 20, 2025

FL Business License Renewal

Florida DBPR · License FL-20XX-XXXXX

Due Sep 30, 2025

Hiscox E&O Policy Renewal

Professional Liability · $89/mo

Expires Nov 30, 2025

1099-NEC Filing — [Contractor A]

Contractor paid $— in FY—

Due Jan 31, 2026

Monthly Bill Calendar Next Month

Date	Bill	Amount
—	[Insurance & Subscription]	$—
—	[Cloud Storage]	$—
—	[Productivity Suite]	$—
—	[Accounting Software]	$—
—	[Phone Provider]	$—
—	[Video Conferencing]	$—
—	Total for Month	$—

Feature	Florida ✓	Texas	New York	California	Georgia
Sales Tax Form	DR-15	01-114	ST-100	CDTFA-401	ST-3
Base Sales Tax Rate	6%	6.25%	4%	7.25%	4%
State Income Tax	None	None	4–10.9%	1–13.3%	5.49%
License Tracking	DBPR + BTR	SOS	DOS	SOS	SOS
Tax Calendar	✓ Active	Soon	Soon	Soon	Soon
County Surtax	✓ Active	Soon	Soon	Soon	Soon
DR-15 / Equiv.	✓ Active	Soon	Soon	Soon	Soon