Freelancer 1099 Tax Categorizer

Tax time shouldn't take a weekend.

Freelancer 1099 Tax Categorizer is an OpenClaw skill that ingests your bank or credit card CSV export and categorizes every transaction to the correct IRS Schedule C line — advertising, software, travel, meals, contract labor, and more. It flags mixed-use expenses for a business-use percentage, then produces a year-end summary your CPA can use directly, with an audit trail and a checklist of commonly missed deductions.

What it does

• Reads CSV exports from Mercury, Chase, Amex, Wise, and any standard bank export — no manual column mapping required
• Assigns each transaction to a Schedule C line (Line 8 through Line 30) with a confidence score and a review flag for low-confidence and mixed-use rows
• Groups mixed-use categories (cell/internet, vehicle, meals, office supplies) and applies your business-use percentages — or IRS-reasonable defaults with documentation
• Produces a Schedule C summary in IRS line order with totals, IRS audit-risk flags, and a checklist of deductions you may have missed (home office, health insurance, mileage, retirement contributions)
• Exports an audit trail CSV mapping every deductible transaction to its Schedule C line for CPA handoff

What's in the package

All files listed below are bundled as fenced code blocks inside SKILL.md — there's no separate folder to install. Copy each code block into its own file using the path shown above it.

• SKILL.md — the full three-step workflow: categorize, adjust, summarize.
• scripts/categorize_transactions.py — reads the bank CSV and tags each row with a Schedule C line and confidence score.
• scripts/flag_mixed_use.py — groups mixed-use transactions and applies business-use percentages via command-line flags.
• scripts/cpa_summary.py — generates the Schedule C summary with audit-risk flags, missing deduction checklist, and optional audit trail CSV.
• data/schedule-c-categories.yaml — Schedule C line definitions, 200+ merchant-to-category heuristics, IRS audit-risk tiers, record-keeping rules, and a missed-deductions checklist.
• scripts/examples/ — sample input CSV, categorized output, adjusted output, and CPA summary so you can verify the workflow before running it on real data.

How it ships

Drop SKILL.md into ~/.openclaw/skills/freelancer-1099-tax-categorizer/. Restart OpenClaw. Run /freelancer-1099-tax-categorizer or describe what you need — your agent picks it up.

Pairs well with Wendell (Money Coach) for tracking income and expenses throughout the year.

Questions: hackedcubeapps@gmail.com (response within 48 hours).