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how much.

Freelancers with multiple 1099s, small business owners using Schedule C, high-earning households with rental income or equity compensation, and anyone who has received IRS correspondence. If your tax situation has more than one moving part, Ledger is built for you.

Ledger applies a 340-point deduction matrix against your income profile, updated quarterly against current IRS guidance. Most CPAs review returns once a year. Ledger scans continuously and flags categories your current filing history suggests you're under-claiming — particularly home office, vehicle use, retirement vehicles, and multi-state apportionment.

Before you file, Ledger runs your return against the same discriminant function scoring the IRS uses to select returns for examination. We flag any line items that statistically elevate your DIF score and recommend documentation or recharacterization before submission. Clients who complete the full exposure scan show a 73% reduction in IRS correspondence.

For most filers, yes. For high-complexity situations — estate planning, business sales, multi-entity structures — Ledger works alongside your CPA as a second layer of scrutiny. Our "Talk to a Tax Strategist" path connects you with an IRS Enrolled Agent for cases requiring human judgment.

Ledger uses AES-256 encryption at rest and in transit, SOC 2 Type II certified infrastructure, and zero-knowledge architecture for credential storage. We do not sell, rent, or share your financial data with third parties. Your data is used solely to generate your tax analysis.

Pricing is based on filing complexity — starting at $149 for single-source filers and scaling to $599 for multi-entity returns. Every plan includes the full deduction scan, audit risk scoring, and one CPA review. No surprise add-ons for multi-state filing or amended returns.