Tax Center

The Tax Center gives gig workers a running estimate of their self-employment tax liability — the numbers you’d need to file Schedule C (US), T2125 (Canada), or SA103 (UK).

Comma provides estimates, not tax advice. Always verify your final numbers with a qualified tax professional before filing.

Accessing Tax Center

The Tax Center is available in the main navigation drawer and as a tab (if the tax_workspace feature flag is enabled for your region). It is available in: 🇺🇸 US · 🇨🇦 Canada · 🇬🇧 UK · 🇳🇵 Nepal.

What the Tax Center shows

1. Income summary

2. Mileage deduction

Depending on your vehicle tax profile, you’ll see either:

Standard mileage: total business miles × current rate = deduction

Actual expenses: The sum of vehicle-specific expenses (fuel, insurance, maintenance) × your business-use percentage.

The mileage deduction is subtracted from net profit to arrive at adjusted net profit.

3. Self-employment tax estimate

Self-employment tax in the US is 15.3% on the first $168,600 of net self-employment income (2024 threshold), plus Medicare tax above that. Comma calculates:

SE income = net profit × 0.9235        (×92.35% per IRS: you deduct half of SE tax)
SE tax    = SE income × 0.153          (up to the SS wage base)

For Canada, Comma calculates the CPP contribution rate applied to net self-employment income, plus federal/provincial marginal income tax.

4. Quarterly estimates (US)

If you’re expected to owe more than $1,000 in taxes, you’re required to make quarterly estimated tax payments to the IRS. The Tax Center shows:

• Your estimated annual tax liability
• Suggested quarterly payment (÷4)
• Due dates for Q1–Q4

5. 1099-K threshold tracker (US)

Starting 2024, payment processors report earnings above $5,000 to the IRS on Form 1099-K. Comma tracks your year-to-date platform earnings and alerts you when you approach this threshold.

Vehicle Tax Profile

Each vehicle needs a tax profile set for the current year. To configure:

1. Go to Tax Center → Vehicle Tax Profiles (or Vehicles → [Your Vehicle] → Tax Profile).
2. Set:
   • Tax year — defaults to current year
   • Country — inherited from your profile
   • Deduction method — Standard Mileage Rate or Actual Expenses
   • Standard rate — pre-filled with the current IRS/CRA/HMRC rate
   • Beginning/ending odometer — for calculating total annual miles driven

Deduction method comparison

You cannot switch methods mid-year for the same vehicle. If you start the year on standard mileage, you’re locked in for that vehicle for that tax year.

Tax rates by country

United States 🇺🇸

• Standard mileage rate: IRS-published annually (e.g. $0.67/mile for 2024)
• SE tax rate: 15.3% (12.4% Social Security + 2.9% Medicare)
• Additional Medicare tax: 0.9% on income above $200,000
• Quarterly deadlines: April 15, June 15, September 15, January 15

Canada 🇨🇦

• CRA mileage rate: varies by province (e.g. $0.70/km for first 5,000 km, $0.64 thereafter)
• CPP self-employment rate: 11.9% on net earnings above the basic exemption ($3,500)
• Provincial income tax applied separately based on province

United Kingdom 🇬🇧

• HMRC mileage rate: £0.45/mile (first 10,000 miles), £0.25/mile after
• National Insurance Class 2 & 4: Class 2 flat rate + Class 4 on profits above threshold
• Self Assessment filing deadline: January 31

Nepal 🇳🇵

• Vehicle allowance rates per IRD guidelines
• Income tax brackets as published by Inland Revenue Department

Tax history

Comma keeps a log of every time your tax region or rate was changed (in the taxHistory table). This audit trail is valuable if you moved provinces/states mid-year or if rates changed.

View the history in Tax Center → History.

Exporting for your accountant

From Tax Center, tap Export → PDF Summary to generate a one-page summary of:

• Income, expenses, mileage, and net profit for the year
• Vehicle tax profile settings
• Monthly breakdown

You can also export raw shift and expense data as CSV from Settings → Export.