SetAside

About this app

What SetAside does

Every freelancer knows the gut-punch: a fat client check hits your account, you spend it like it's all yours, and then April arrives with a tax bill you never saved for. SetAside fixes that the simple way our grandparents did — with a jar. SetAside is a virtual tax jar for 1099 and self-employed income. Each time you get paid, you log the deposit and SetAside instantly skims your chosen set-aside rate — 25%, 30%, whatever fits your bracket — into a tax jar you don't touch. The number you see in your checking account becomes the number you can actually spend, because the IRS's share is already accounted for. No more guessing, no more clawing money back at filing time. Unlike a stateless web calculator that forgets you the moment you close the tab, SetAside keeps a rolling ledger. It knows exactly how much you've set aside this quarter, how much you've actually paid in, and whether you're on pace. It tracks all four federal estimated-tax due dates — April 15, June 15, September 15, and January 15 — and shows a live countdown to the next one so a deadline never sneaks past you. The part that keeps you out of trouble is safe-harbor math. The IRS waives the underpayment penalty if your payments reach 90% of this year's tax, 100% of last year's, or 110% if you're a higher earner. SetAside lets you set your target, then draws a progress bar straight to the finish line for the date that matters. You always know if you're covered before the penalty clock starts. SetAside is built offline-first and private by design. There is no account to create, no bank to connect, no data leaving your phone. It works on a plane, in a dead zone, or at a job site with no signal. Your income is nobody's business but yours, and SetAside is built so it stays that way. Whether you drive rideshare, freelance, consult, sell on Etsy, or juggle a handful of 1099 clients, SetAside turns a scary once-a-quarter scramble into a 10-second habit you do at every payday. • Log any deposit and auto-skim a set-aside percentage into a virtual tax jar • Set custom rates for federal, state, and self-employment tax • Track all four 1040-ES quarterly due dates with a live next-deadline countdown • Safe-harbor progress bars for the 90% / 100% / 110% tests • Rolling per-quarter ledger of money set aside vs. payments made • Mark estimated payments as paid and watch your covered status update • Fully offline, no account, no bank link, no subscription required • Your entire tax history stays on this phone, private and yours