Financial Navigator

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Handle money without the stress.

Early Beta — built to help you organize and estimate. Always verify before making financial decisions.

🌐 Not in the US? How this works for you. tap to expand

The expense-categorization + summary tools work for tracking spend in any country. The tax framework + currency shown is US-shaped (IRS categories, USD by default). When you export, take that to your local accountant — they'll re-categorize for your country's tax form.

🇨🇦 Canada — Self-employed creators file T2125 with CRA. Register for GST/HST when revenue exceeds $30K/yr. Quarterly tax installments if you owe > $3K/yr. Filing deadline April 30. Ask Prime: "What CRA expense categories should I track for content creation?"
🇵🇭 Philippines — Self-employed creators register with BIR + DTI. Most creators take the 8% gross-income tax option if revenue under ₱3M (vs graduated income tax). VAT (12%) kicks in above ₱3M. Filing deadline April 15. Ask Prime: "How do I register as a self-employed creator with BIR?"
🇬🇧 United Kingdom — Self-employed creators file Self Assessment with HMRC. VAT registration mandatory at £90K turnover (20% rate). Pay National Insurance Class 2 + Class 4. Tax year runs Apr-Apr. Filing deadline 31 Jan online (paper 31 Oct). Ltd company structure becomes tax-efficient ~£40-60K profit. Ask Prime: "Sole trader vs Ltd Co for UK creators?"
🇦🇺 Australia — Self-employed creators register an ABN with ATO (free). GST registration mandatory at A$75K turnover (10% rate). BAS filed quarterly. Tax year runs Jul-Jun. Filing deadline 31 Oct (DIY) or extended to 15 May via tax agent. Pty Ltd structure ~A$80K+ profit. Don't forget super (concessional cap A$30K/yr, tax-deductible). Ask Prime: "ATO instant asset write-off threshold for creators?"
🇮🇳 India — Self-employed creators file ITR-3 or ITR-4 Sugam with Income Tax Dept. Most use Section 44ADA presumptive (50% deemed profit, no books needed) for receipts ≤ ₹75 lakh. GST registration mandatory at ₹20 lakh turnover (18% rate). Financial year is April-March (NOT calendar year). Filing deadline 31 July. Foreign income (US AdSense / sponsors) → DTAA + W-8BEN at 15% withholding + Form 67 for FTC. Ask Prime: "Should I opt for 44ADA presumptive or full P&L?"
🇲🇽 Mexico — Self-employed creators register RFC with SAT. Most use RESICO (1-2.5% flat-rate on gross revenue, no deductions) up to 3.5M MXN/yr cap. CFDI 4.0 mandatory electronic invoice for every payment received — every brand deal, every sponsorship, every payout. IVA 16% (8% in border zones). Tax year is calendar year (Jan-Dec). Annual filing April 30. Foreign income (US AdSense / sponsors) → Mexico-US tax treaty + W-8BEN. Ask Prime: "RESICO or Régimen General for my creator income?"
🇧🇷 Brazil — Self-employed creators have CPF + register CNPJ. Most start with MEI (Microempreendedor Individual — fixed monthly DAS ~R$70-90, R$81K/yr revenue cap, ZERO income-tax filing complexity). Above MEI cap → Simples Nacional (up to R$4.8M/yr, 6 anexos by activity, single combined-rate DAS payment). Issue NFS-e via city portal for every service rendered. Tax year is calendar year (Jan-Dec). IRPF annual declaration April-May. PIX instant-payment system universal. Foreign income (US AdSense / Hotmart international) → Brazil-US treaty + W-8BEN + foreign tax credit + CBE foreign-asset declaration if above threshold. Ask Prime: "MEI cap monitoring" or "Simples Nacional Anexo III for creator services?"
🇳🇱 Netherlands — Self-employed creators register at KvK + Belastingdienst auto-handover. Most use ZZP (eenmanszaak) structure, escalate to BV at ~€100K+ profit (DGA-salaris with statutory minimum gebruikelijk loon). Box 1/2/3 Dutch tax structure (Box 1 progressive ~37% to ~49.5% for ZZP creator income). BTW 21% standard (9% reduced), KOR below €20K/yr opts out of charging BTW. Urencriterium 1225 hrs/yr unlocks zelfstandigenaftrek + startersaftrek + mkb-winstvrijstelling deductions — track hours rigorously. Wet DBA / verduidelijking arbeidsrelaties compliance for freelance-classification. Tax year is calendar year (Jan-Dec). IB-aangifte annual filing. Foreign income (US AdSense / sponsors) → Netherlands-US treaty + W-8BEN at reduced (often 0%) withholding + foreign tax credit. Ask Prime: "ZZP urencriterium tracking" or "Box 3 reform impact on my savings?"
🇮🇩 Indonesia — Self-employed creators register NPWP with DJP (NIK-NPWP integrated since 2024). Most use PPh Final UMKM (0.5% flat-rate on revenue ≤Rp 4.8 billion/yr, no deductions, time-limited 7-yr eligibility for individuals — the most popular starter régimen). Above cap → normal regime (PPh Pasal 17 progressive 5-35%) or PT corporate 22%. e-Faktur mandatory invoicing for VAT-registered (PKP threshold Rp 4.8B). PPN 12% from 2025 (raised from 11%). Tax year is calendar year. SPT Tahunan due March 31 (individual) / April 30 (corporate). Foreign income (US AdSense / sponsors) → Indonesia-US treaty + W-8BEN + foreign tax credit; PMSE non-resident-platform PPN compliance. BPJS Ketenagakerjaan BPU voluntary social-security for self-employed creators. Ask Prime: "PPh Final UMKM transition planning" or "PMSE compliance for foreign platform income?"
🇩🇪 Germany — Freiberufler vs Gewerbetreibender classification is critical. Freiberufler (artistic / journalistic / educational / §18 EStG) SKIPS Gewerbesteuer (~14-17%), simpler bookkeeping (EÜR sufficient), no Gewerbeanmeldung — major perk. Gewerbe = full registration + Gewerbesteuer. Kleinunternehmerregelung: revenue ≤€25K previous + ≤€100K current = no VAT charged, no VAT filings (major starter simplification). UG / GmbH / AG entity options at scale. Income tax progressive 0-45% + Soli + Kirchensteuer. MwSt 19% standard / 7% reduced. Tax year is calendar year. Filing deadline July 31 (DIY) or end of February following year (with Steuerberater). KSK Künstlersozialkasse is the major creator perk — qualifying artistic / journalistic creators get employer-half-share of social insurance (huge financial benefit). Foreign income via Germany-US treaty + W-8BEN + Anrechnung. Ask Prime: "Freiberufler vs Gewerbe classification" or "KSK eligibility for my creator work".

A real CRA / BIR / HMRC / ATO / Income-Tax-Dept / SAT / Receita Federal / Belastingdienst / DJP / Finanzamt-aware tax engine is on the roadmap. Meanwhile: track expenses here, hand the export to your local accountant / contador / belastingadviseur / akuntan pajak / Steuerberater, ask Prime for country-specific guidance.

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I need money help right now
Bills, rent, emergency cash
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I need to file my taxes
Simple guidance on what to do
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Creator / 1099 tax helper TY 2025
Twitch / YouTube / Patreon income + home office + Schedule C map for TurboTax
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I want to improve my finances
Budget, save, build credit
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Big financial decisions
Buying, investing, major moves
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🧭 Let's figure it out.

Answer 3 quick questions. We'll tell you exactly what to do next.

🚨 Let's get you stable.

No judgement. Just steps.

📄 Let's figure out your taxes.Early guidance

We'll point you in the right direction based on your situation. For detailed tax help, consider a licensed professional or free VITA clinic.

📋 Tax Prep Workspace

Organize your numbers before you file. Nothing leaves your device.

This helps you prepare — it does not file your taxes. You are responsible for verifying all information before submitting.

💵 Income

Enter your yearly totals. Skip anything that doesn't apply to you.
YouTube, Twitch, TikTok, etc.
W-2 wages, interest, anything else
Total Income —

📦 Business Expenses

Only include expenses related to your work. Personal expenses don't count.
Camera, PC, mic, lighting
Editing tools, hosting, apps
Only the % used for work
Rent/mortgage % for dedicated space
Total Expenses —

📥 Import Transactions

Upload a bank CSV to auto-organize income and expenses. Nothing leaves your device.
Drop a CSV here or tap to browse
Most banks let you export transactions as CSV
This tool organizes your financial data locally. You must review and verify everything before using it for taxes. Data stays on your device.

📘 2025 Tax Year — Quick Reference

For returns filed in 2026. Always verify the current figure on irs.gov before you sign anything.
Standard deduction — 2025 tax year
  • Single / Married filing separately: $15,000
  • Married filing jointly / qualifying surviving spouse: $30,000
  • Head of household: $22,500
  • Age 65+ or blind: add $1,600 (MFJ) or $2,000 (single/HoH) per qualifying condition
Federal tax brackets — 2025 (single)
  • 10% — up to $11,925
  • 12% — $11,926 to $48,475
  • 22% — $48,476 to $103,350
  • 24% — $103,351 to $197,300
  • 32% — $197,301 to $250,525
  • 35% — $250,526 to $626,350
  • 37% — over $626,350
MFJ thresholds are roughly double; HoH falls between.
Self-employment tax
  • Rate: 15.3% on net self-employment earnings (12.4% Social Security + 2.9% Medicare)
  • Social Security portion applies up to the 2025 wage base of $176,100; Medicare portion applies to all SE earnings
  • You deduct half of SE tax on your 1040 (above-the-line)
2025 retirement + HSA contribution caps
  • 401(k) employee: $23,500 (age 50+ catch-up: +$7,500; age 60–63 catch-up: +$11,250)
  • IRA / Roth IRA: $7,000 (age 50+: +$1,000)
  • HSA self-only: $4,300; family: $8,550 (age 55+: +$1,000)
Important 2026 filing dates
  • April 15, 2026 — Federal filing deadline for TY 2025; also Q1 estimated tax for TY 2026
  • Need more time? File Form 4868 for an automatic 6-month extension to October 15. Extension extends FILING, not PAYMENT — pay what you estimate you owe by April 15 to avoid penalties + interest.
  • State deadlines may differ — check your state's department of revenue
Free + low-cost filing options
  • IRS Free File — free for AGI under ~$79k
  • VITA — free in-person help (income < ~$64k, disability, limited English)
  • TCE — free help for 60+, retirement-focused
  • Direct File — IRS's own free tool (available in select states)
Source: IRS Revenue Procedures + 2025 inflation adjustments. This reference card is accurate as of the OSOK Finance tool's last update — always confirm current figures on irs.gov before filing.

🧮 Tax Estimate

A ballpark to help you plan. Not official — always verify before filing.
Pick your effective rate. This is the percentage of your taxable income you actually pay after the progressive brackets compute out — NOT your top bracket. Most W-2 taxpayers land between 10% and 20% effective. Self-employed or high-1099 income pushes higher because of SE tax on top.
Estimated effective tax rate:

✅ Pre-Filing Checklist — 2025 tax year

The documents + steps you need before you hit "file." Check them off as you go.
📂 Documents to round up
🪖 Veterans — additional items
🧾 Order of operations on filing day
  1. Review every entry above — nothing missing, nothing doubled up, no transposed digits.
  2. Pick your filing option — IRS Free File, Direct File, VITA, or paid software. If your situation has any of: K-1s, rental property, sale of a home, significant crypto, RSUs, foreign accounts, divorce this year, a CP2000 notice — strongly consider a CPA or EA.
  3. File federal first, then state. Most software flows both through one interface.
  4. Choose direct deposit for any refund — fastest and safest. Double-check the routing and account numbers.
  5. If you owe — pay electronically at irs.gov/payments (IRS Direct Pay is free). Check for underpayment penalty — Form 2210 figures out whether you owe one.
  6. Save PDFs + e-file confirmation to a place you'll find in 12 months. Retention: IRS can generally audit for 3 years (6 for substantial omissions, unlimited for fraud). Keep supporting documents at least that long.
  7. If you can't file by April 15 — file Form 4868 for an automatic 6-month extension AND pay what you estimate you owe by April 15 to stop penalties + interest. Extension is for paperwork, not payment.
Important: OSOK Finance is not a CPA, tax preparer, or enrolled agent. This tool helps you prepare and estimate — it does not file taxes or provide tax advice. You are responsible for verifying all information (numbers, thresholds, form requirements) on irs.gov or with a licensed professional before submitting anything. Tax rules change every year; figures shown are for tax year 2025 filings due April 2026.

🎥 Creator / 1099 tax helperTY 2025

Drop your bank CSV(s). We'll find your Twitch / YouTube / Patreon / etc. payouts, categorize your content expenses, compute home-office and shared-cost deductions, and hand you a Schedule C cheat sheet you paste straight into TurboTax or any tax software. Nothing leaves your device.

1️⃣ Drop your bank CSV(s)

USAA, Chase, Schwab, Capital One, Navy Federal, whoever — nearly every bank lets you export transactions as CSV. You can drop multiple files if you have different accounts.
Drop CSV file(s) here or tap to browse
Most banks: Account → Transactions → Download → CSV
Tax year to analyze:

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🧮 Your Money Tools

Quick calculators. No sign-up. Everything stays on your device.

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💰 Budget Planner

What comes in, what goes out. Enter your monthly numbers below.
After taxes (take-home pay)
Electric, water, internet, phone
Gas, car payment, transit
Subscriptions, personal, etc.
Total income —
Total expenses —
Remaining —

📉 Debt Payoff Tracker

See when you'll be debt-free. Combine all debts or track one at a time.
Everything you owe combined
Check your statement. 0 is fine.
What you can pay each month
Payoff time —
Total you'll pay —
Interest paid —

🎯 Savings Goal

Pick any target. We'll show you how long it takes.
Emergency fund, vacation, anything
$0 is a fine starting point
Even $25/month adds up
Progress —
Months to goal —
Remaining —

📊 Your Snapshot

Budget remaining
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Total debt
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Savings progress
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This tool is for personal planning and organization only. It is not legal, tax, or financial advice. For professional guidance, consult a licensed financial advisor or tax professional.