Five questions freelancers ask before they sign up.

The IRS draws the line at $400 in net self-employment earnings for the year — under that you generally don't owe SE tax, over that you do. Once your net earnings clear $5,000, the IRS expects quarterly estimated payments on April 15, June 15, September 15, and January 15. And platforms (Doordash, Upwork, Stripe, etc.) now issue a 1099-K once you cross their reporting threshold — recently $5,000 with a planned phase-down toward $600.

CrownPayRoll tracks your totals so you always know where you stand — see /reports for your YTD gross by income source, then visit the Tax Vault on /dashboard to schedule each quarterly payout.

Every CrownPayRoll account ships with three buckets — Tax, Savings, and Spending. You set the percentage split during onboarding (and tweak it any time in Settings → Buckets). Every time a deposit lands, CrownPayRoll creates one split row per bucket and credits each bucket's balance by its share — automatically, on the way in.

The "vaults" on /dashboard are simply the configured buckets rendered as a Tax Vault, a Savings Vault (with a named goal you pick, like "Emergency Fund" or "Tax Buffer"), and a Spending Account. Set your percentages in /settings → Buckets and everything routes itself from there.

On the date you pick. CrownPayRoll doesn't auto-fire on April 15 / June 15 / September 15 / January 15 — instead, you schedule each quarterly payout from the Tax Vault card on /dashboard, choosing the amount and the date you want the ACH to leave your connected bank account.

On that date, the daily payout cron fires the ACH transfer through our banking partner and emails you a receipt so you have a clean record of what went where. You stay in control of the date; we handle the wire and the paperwork.

Every deposit you log writes two rows: one deposits row (the total amount, the source label like "Doordash" or "Upwork", and a created_at timestamp) plus one split_transactions row per bucket. That keeps your income ledger auditable — the deposit is the source of truth, and the splits are how it routed into your Tax / Savings / Spending buckets.

The /reports page groups those deposits by source label into a 1099-ready summary, and you can download the whole thing as a CSV directly from the same page. Log a deposit first, then download your 1099 summary when tax time comes.

Register a schedule under Log Deposit on /deposits — pick an amount, a cadence (weekly / biweekly / monthly), and a source label (e.g. "Doordash"). CrownPayRoll stores the schedule and queues the next run. When the cadence date hits, the scheduler cron auto-populates a fresh deposit into the Log-Deposit modal so all you do is confirm.

If you log a deposit manually that matches a registered source_label, the matching schedule advances too — so you never end up double-counting a paycheck that you already entered by hand.