Built for Giganauts — 1099 Warriors

Turn your gig income into wealth

Giga-Books is the first financial command center designed exclusively for independent contractors, freelancers, and gig workers. Track every load and dollar, estimate what you owe each quarter, and plan the retirement nobody built for you.

Sign in & start → See how it works
Example tax waterfall — illustration
Gross gig income
$72,000
— Solo 401(k)
-$24,500
— Standard deduction
-$16,100
Federal taxable income
$31,400*
Illustration only — your numbers will differ
*Based on estimated deductions. Results vary. Not tax advice.
The reality for gig workers

Nobody built the right tools for how you actually work

QuickBooks was built for small businesses. TurboTax was built for W-2 employees. Nothing was built for a trucker running loads at 2am, a delivery driver managing daily routes, or a freelancer juggling six clients and no benefits. Until now.

4×
estimated tax deadlines a yearApril, June, September and January — easy to miss without a plan.
15.3%
self-employment taxOn top of income tax — and it still applies even when deductions lower your income tax.
0
employer match for 1099 workersNo pension and no plan unless you build one. Giga-Books helps you see the options.
Your first 10 minutes

Start with one load. Then add the rest.

1
Sign in
Use your email link or Google. Your records stay private to your account.
2
Add your first load or income
Type it in or import a CSV. You can connect a bank later — it is optional.
3
Check your quarterly estimate
See an estimated payment and due date. Share the report with your CPA.

This system organizes records and estimates. It does not provide tax advice, determine final deductibility, or replace a CPA.

How it works

Five steps to financial command

No tax jargon. Just your numbers, explained in plain English and organized so your CPA can review them.

01
Build your Giganaut profile
Tell us how you earn — trucking, rideshare, delivery, freelance, courier, or any combination. Your profile shapes every calculation that follows.
02
Import your records
Type in your income and expenses or upload a CSV. Giga-Books suggests a category for each expense — you confirm it. Receipts are optional.
03
Watch the tax waterfall
See your federal taxable income drop in real time as every deduction stacks. Per diem. Equipment. Retirement contributions. Every step is an estimate you can check.
04
Build your financial protection
Plan a 3-6 month emergency fund and a vehicle reserve. Never let a bad week wipe out months of progress again.
05
Retire on your own terms
Solo 401(k), SEP-IRA, Traditional IRA, HSA — your retirement engine stacks all of them. See how each one could lower your taxable income.
+
Quarterly tax estimates
Never miss an IRS payment deadline. See an estimated quarterly payment, the safe-harbor amount, and each due date.
Deductions, stacked in order

Know which tools may apply to you.

The tax code gives self-employed workers tools that W-2 employees can only dream about. Giga-Books stacks them in the right order — and shows you the math in real time.

Solo 401(k) — up to $72,000 for 2026
As both employee and employer of yourself, combined limits reach $72,000 for 2026 (income limits apply). Traditional contributions can lower taxable income.
Stack every layer
Per diem + health insurance + Solo 401(k) + HSA + standard deduction. For some workers, this can bring federal taxable income very low. Results depend on your situation.
Gross gig income$72,000
— Per diem (180 days)-$14,400
— Health insurance-$4,800
Net SE income$24,800
— Solo 401(k)-$23,043
AGI$0
Federal taxable income (projected)$0*
*Based on estimated deductions. Results vary. Not tax advice.
SE Tax (15.3%) still applies. Consult a licensed CPA.
The Giganaut community

You're not just a gig worker. You're a Giganaut.

A Giganaut is someone who chose independence over a paycheck, freedom over a cubicle, and ownership over employment. You earn on your terms. Giga-Books makes sure you keep more of what you earn.

Whether you're hauling freight across the country, delivering packages across the city, or designing for clients across the world — there's a Giganaut profile built for exactly how you work.

Road warrior
OTR trucking · Owner-operator · Load board
Courier specialist
Medical · Legal · Pharmacy · Specimens
Gig driver
Uber · Lyft · DoorDash · Instacart
Independent contractor
Freelance · Consulting · Remote work
Digital merchant
Etsy · eBay · Amazon · Shopify
Multi-source Giganaut
Multiple streams · All handled
Everything in one place

Built for the way you actually work

Transaction import
Import transactions from a CSV. Every transaction is auto-classified for deductibility.
Receipt scanner
Snap a photo of any receipt. Reads merchant, amount, date — attached to your deduction record as audit-proof documentation.
Quarterly tax calculator
Never miss an IRS deadline. Exact payment amounts, safe harbor minimums, and due date reminders based on your actual income.
Retirement contribution engine
Solo 401(k), SEP-IRA, Traditional IRA, HSA — weekly contribution targets to maximize wealth while minimizing federal tax.
Emergency & maintenance fund
3-6 month emergency fund plus vehicle reserve. Per-payment set-aside suggestions so building the cushion never hurts your take-home.
WORM evidence log
Every attested record cryptographically sealed and tamper-proof. When an auditor asks for documentation, you have it.
"We built this because we needed it and it didn't exist."

Giga-Books was created by OTR truckers who spent years filing taxes the wrong way, overpaying the IRS, and watching retirement become a distant fantasy. We learned the hard way what the tax code actually allows for 1099 workers — and built the tool that would have saved us thousands every year.

This isn't software built by a Silicon Valley team that's never driven a load. This is a Giganaut product — built from the road, for the road, and for every independent worker who runs their life on their own terms.

Built by OTR truckersFor all 1099 workers