Stoia

Personal finance glossary

Schedule C

Definition

The IRS form where sole proprietors and single-member LLC owners report business income and expenses alongside their personal return. Revenue minus deductible expenses produces net profit, which flows into total income and is the base for self-employment tax.

Why it matters

Schedule C is where freelance expenses actually save money: every legitimate deduction cuts both income tax and self-employment tax. Sloppy expense tracking all year means overpaying in April.

Example

A freelance designer bills $60,000 and logs $12,000 of expenses: software, a laptop, home office, mileage. Schedule C shows $48,000 of net profit, so tax is calculated on $48,000, not $60,000, saving thousands versus reporting the gross.

Put it into practice

Related terms

This definition is educational, not financial, legal, or tax advice. U.S. rules and limits change; verify time-sensitive details with official sources. See our disclaimer.

See these terms in your own numbers

Stoia shows your net worth, budgets, and goals in one calm place, so the vocabulary becomes your dashboard. Launching in 2026.

Coming soon