Free Resource
20 Deductions Self-Employed Texans Often Miss
If you are a 1099 contractor, freelancer, or small business owner in Texas, you are likely leaving money on the table. This checklist covers the deductions most commonly overlooked, and each one is legitimate per current IRS rules.
Here is what to look for:
- 01Home office deduction (simplified or actual method)
- 02Internet and phone percentage used for business
- 03Health insurance premiums (self-employed health deduction)
- 04Retirement contributions (SEP-IRA, Solo 401k, SIMPLE IRA)
- 05Mileage and vehicle expenses (actual vs. standard rate)
- 06Business meals (50% deductible, keep receipts with names)
- 07Professional development: courses, certifications, conferences
- 08Software and subscriptions used for business
- 09Business bank account fees and merchant processing fees
- 10Business insurance (liability, professional, cyber)
- 11Legal and professional fees (accountant, lawyer, consultant)
- 12Advertising and marketing (website, ads, business cards)
- 13Office supplies and equipment under $2,500 (de minimis safe harbor)
- 14Business gifts (capped at $25 per recipient per year)
- 15Continuing education and licensing fees
- 16Business association dues and networking memberships
- 17Travel for business (airfare, lodging, 50% of meals)
- 18Contractor and subcontractor payments (1099-NEC required at $2,000+ for payments made in 2026; was $600 before)
- 19State and local business license fees
- 20Educator expenses (up to $300 if also a teacher)
Educational only. Does not constitute tax or legal advice. Consult a qualified tax professional before claiming deductions.
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