Monty
BookkeepingAutomated categorization, receipts & reconciliation.
TaxCapture every deduction and stay filing-ready.
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Helping solopreneurs
pay less tax

Monty scans your personal and business accounts to surface every tax deduction you missed, then generates filing-ready reports for your CPA or DIY tax software.

Works withChatGPTClaude
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Rocket Mortgage

Rocket Mortgage

$2,184.76

PersonalDeduction
Kroger

Kroger

$86.43

Personal
Starbucks

Starbucks

$18.50

PersonalDeduction
Staples

Staples

$128.57

PersonalDeduction
What Monty does

Every deduction captured

Monty monitors personal / mixed accounts and flags tax deduction opportunities as they happen.

Date
Transaction
Category
Expense
Amount
Apr 2
Trader Joe's
๐Ÿ›’ Groceries
----
$87.32
Apr 2
Rocket Mortgage
๐Ÿ  Mortgage
----
$2,247.00
Apr 3
WeWork
๐Ÿข Office
----
$295.00
Apr 3
McDonald's
๐Ÿ” Dining
----
$12.47
Apr 3
Zoom
๐Ÿ’ป Software
----
$14.99
Apr 4
Starbucks
โ˜• Dining
----
$6.85
Apr 4
Uber
๐Ÿš— Transport
----
$18.40
Apr 4
Amazon
๐Ÿ“ฆ Shopping
----
$34.99

Real-time tax estimates

Monty tracks income and deductions as they happen, so you always know what you owe and what to set aside for each quarter.

2026 estimated liability$17,335$142,400 YTD income ยท 87 deductions captured
Live
Q1$4,200
Filed Apr 15
Q2$5,340
Filed Jun 15
Q3$4,480
Due Sep 15
Q4$3,315Projected

S Corp election

If you're earning over a certain threshold, electing S Corp status could save you thousands in taxes. Monty flags when it makes sense and helps you get set up.

Form 2553Election by a Small Business CorporationDept. of the Treasury ยท Internal Revenue Service
Auto-filling
Name of corporation
------
Employer ID (EIN)
------
State of incorporation
------
Date incorporated
------
Effective date of election
------
Selected tax year
------

Additional tax strategies

Monty surfaces advanced plays like the Augusta rule (rent your home to your business for 14 days tax-free), solo 401(k) contributions, HSA stacking, and home-office deductions so you keep more of what you earn.

Potential savings identified
Unlocked
$16,300Across 4 strategies Monty found in your books
Savings by strategyAnnual impact
Solo 401(k)$8,500
Augusta rule$4,200
Home office$2,400
HSA$1,200
52%
26%
15%
7%
Biggest play: Solo 401(k)+$8,500 / year

File your taxes with Monty

When tax season arrives, the work is already done. File in a few clicks inside Monty, or export everything your CPA needs.

Form1099-INTInterest Income
2025
Form1099-DIVDividends and Distributions
2025
FormSchedule K-1Partner's Share of Income
2025
FormW-2Wage and Tax Statement
2025
Form1099-NECNonemployee Compensation
2025
FormSchedule CProfit or Loss from Business
2025
UBER
Ride18.40
Tip3.00
Total21.40
SOHO HOUSE
Dinner124.50
Wine22.00
Tax11.85
Tip27.72
Total186.07
AMAZON
Monitor arm142.80
Total142.80

Tax shouldn't be a March scramble of receipts and what-ifs. Monty watches every transaction year-round, flags deductions the moment they happen, and keeps your books filing-ready โ€“ so April becomes a download, not a deadline.

Chat

Run your finances where you live

Upload receipts from WhatsApp, cash in deductions from
iMessage or get real-time insights in Telegram.

Monty lives where you live.

Monty
Monty
Today
Receipt20:17
โœ… Matched to your $154.57 Chase charge at 20:01 โ€“ Soho House20:17
Also โ€“ looks like this was a meeting with Amanda from Fabricated Inc based on your calendar? I'll add that note to the transaction.20:17
Perfect. Add this to the expense report on my next invoice.20:18
Done ๐Ÿ˜Ž20:18
Your next invoice is scheduled in 9 days and includes $489.25 of expenses.20:18
.
Monty
Monty
Today 14:22
Heads up โ€“ flagging 3 charges this week that could likely be deducted: ๐Ÿš• Jun 17 $31.66 Uber to networking event (from calendar) ๐Ÿ“ฆ Jun 19 $142.80 Amazon โ€“ monitor arm for home office ๐Ÿ’ป Jun 20 $20.00 Cursor Pro subscription
Yes โ€“ all approved
Great. Your Q2 tax estimate just dropped to $6,811.
Delivered
iMessage
Montyonline
Monty
What's my profit this quarter?09:15
$18,400 โ€“ up 22% on Q4. Ad spend is the biggest swing.09:15
If I hire a contractor at $4k/mo, how does runway look?09:16
Drops from 11 months to 7. Want me to model 6mo vs 12mo engagements?09:17
Type a message
Integrations

Connect your financial data to anything

By keeping your books up to date in real time, Monty provides a trusted layer of financial context to power all of your workflow automations.

MontyChatGPTNotionAirtableGoogle SheetsMakeZapiern8nSlackGmailClaude
FAQ

Still have questions?

Monty scans your personal and business accounts for legitimate business expenses: software subscriptions, home office costs, mileage, client meals, travel, equipment, and more. It flags likely deductions as they happen so nothing slips through the cracks at year-end.

Yes. Monty keeps a running estimate of what you owe each quarter based on your actual income and expenses, so you can set aside the right amount and avoid underpayment penalties.

Monty produces filing-ready P&L statements, Schedule C summaries, expense breakdowns by category, and supporting documentation with matched receipts. You can export them straight to your CPA or DIY tax software.

No. Monty works alongside whoever prepares your return. Most users share Monty's exports with their existing CPA, who appreciates the clean, categorized books.

Every transaction in Monty has its matched receipt and categorization attached, so you have an audit-ready paper trail without having to reconstruct it after the fact.

Yes. Monty is built for one-person businesses where accounts often overlap. It scans everything and identifies legitimate business deductions automatically, even across personal cards.

Ready to pay less tax?

Let Monty proactively surface tax savings across every account. Free to start, no card required.

Try for free
Monty

The finance autopilot
for one-person businesses

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