Our story

Built from a paper worksheet.

Floater Finance exists because no app understood how a 1099 household actually earns. So we built one.

Where it started

A tax preparer. A worksheet. A problem nobody had solved.

Every year, a tax preparer handed a paper worksheet to her clients. It had rows for income, rows for expenses, rows for mileage. It worked. It kept people organized. But it was a sheet of paper in 2026.

When a family member started doing tutoring on the side — earning 1099 income on top of a W-2 salary — that same worksheet came home. Handwritten. Paper. No app had been built that understood how that household earned: multiple income streams, variable months, business expenses mixed with personal ones, and a combined tax picture that changed every time a new client signed.

"No app understood how that household earned. So we built one."
— The origin of Floater Finance, 2026

We started building in April 2026. Not with funding. Not with a team. Just a part-time founder, a real problem, and a commitment to build the thing that should have existed already.

What we're building

The bridge between 1099 workers and their tax preparers.

Floater Finance is not a tax filing service. We don't file your return. We don't replace your tax preparer. We make the conversation with your preparer infinitely better.

Most 1099 workers show up to their tax appointment with a shoebox of receipts and a guess about what they made. They leave owing more than they expected and wondering where it all went. The preparer spends three hours organizing what should have taken thirty minutes.

Floater changes that. Log your income as it comes in. Track your business expenses when they happen. Watch your SE tax estimate update in real time. When April comes — tap Export and hand your preparer a clean, organized Schedule C package. Walk in prepared. Not apologetic.

The mission

Making taxes less stressful.

59 million Americans earn 1099 income. Almost none of them have a tool built specifically for how they earn. The budgeting apps assume a fixed salary. The tax apps activate once a year. The mileage trackers stop at mileage.

Floater Finance is for the DoorDash driver who got a $3,800 bill they didn't see coming. The freelance designer who has four clients and no idea what they owe in September. The teacher who tutors on the side and has never calculated SE tax in their life.

We're not trying to be the biggest finance app. We're trying to be the most useful one for the people who need it most.

What we believe

The principles behind the product.

01 / MANUAL FIRST
Logging builds awareness
We don't connect to your bank automatically. Logging your income and expenses manually builds the financial habit that 1099 workers need. You see every dollar. You understand where it goes.
02 / CONSULTATIVE
We educate. We don't advise.
Every deduction recommendation says "may be deductible" — never "this IS deductible." We surface publicly available IRS information. Your tax preparer makes the final call. Always.
03 / THE HOUSEHOLD
The unit is the household
No other app treats the household as the financial unit. W-2 income and 1099 income from both partners, combined into one tax picture. That's how families actually earn. That's how we build.
04 / TRANSPARENCY
Show the math
The tax worksheet shows every calculation. SE income × 92.35% × 15.3%. You can trace every number. No black boxes. No mystery. Just math you can verify and explain to your preparer.
05 / SIMPLICITY
Three taps to log. One tap to export.
Complexity lives under the hood. The surface is simple. Log income, log expenses, know your number. The sophistication is in how the math works — not in how many screens you have to navigate.
06 / TRUST
We earn it every session
You're trusting us with your financial data. We take that seriously. No ads. No selling your data. No upsells embedded in the experience. Just a tool that works and gets better with every update.
The company behind Floater Finance

Floater Finance is the flagship product of Process with Purpose LLC — a company built on the belief that the right process, applied with purpose, creates products worth using.

We're not venture-backed. We're not a team of twenty. We're a part-time founder building in the margins of a full-time life — which means every decision is deliberate, every feature earns its place, and nothing ships until it's ready.

The roadmap continues to grow with features designed specifically for the 1099 household.

Ready to stop guessing?

14 days free. No credit card. No bank connection. Just a clearer tax picture — starting today.

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Making taxes less stressful · Process with Purpose LLC