Active rep
$19.99
/month
per active rep
Personal finance, business expense organization, mileage tracking, and connected accounts for normal individual use.
1099 SALES
The financial operating system
for 1099 sales reps
You earned the commission. Keep more of it.
Moat organizes your sales income, mileage, expenses, taxes, and long-term plan so a big summer does not become a tax bill, a bad cash month, or a January with nothing left.
A financial benefit your reps will actually use.
Personal finance, business expenses, mileage, and connected accounts for normal use — plus net worth, real estate, and retirement planning. Their money stays private.
Get started for free
30-day free trial — then $19.99 per active rep per month
Try the demo
Your company can pay for Moat. They can’t see your money.
THIS SEASON
Turn one great summer into
a great financial year.
An example of what a rep sees. Not a quote, and not tax advice.
Earned$143,800
Estimated tax reserve$31,200
Business miles tracked8,412
Business expenses identified$14,600
Projected after-tax cash$97,000
Home down-payment goal$25,000
Retirement-plan success86%
SEASON PLAN
Ahead of the winter, while the summer is still paying you.
You’ve earned $82k of your $120k target. After estimated taxes and your planned winter expenses, you’re $11,400 ahead of plan.
Based on what you’ve earned, here’s how much is safe to spend each month until next season.
TAXES
Never get surprised by what you owe.
Estimate what you likely owe as income comes in. Keep a running reserve. Make quarterly deadlines hard to miss. These are planning figures. Moat does not file your return or tell you what you can deduct.
Tax reserve
A target that moves when a commission hits, so the money for taxes is not sitting in spending cash.
Quarterly deadlines
The dates stay in front of you. A huge August should not become an April surprise.
What you already set aside
Estimated payments stay next to what you have likely earned, not in a spreadsheet you open once.
BUSINESS MILES
Untracked miles are money left on the table.
If the car never gets logged, those miles never reach tax time. Record the days you drove on your iPhone. They now sit in one central tax prep hub, next to your income, expenses, and what you set aside.
8,412
business miles in the example season
YOUR ORGANIZATION
Categories built for how reps get paid.
Moat helps you identify and organize expenses that may be deductible. It does not decide what you can write off. You and your preparer do.
CommissionsWhat actually hit
ChargebacksMoney that came back out
OverridesTeam income, separate from yours
Recruiting bonusesKept apart from sales pay
TravelGetting to the territory
HousingTemporary lodging for the summer
GasThe tank, not “transportation”
Team expensesWhat you spent on the crew
PhoneThe line the job runs on
SuppliesWhat you carried door to door
MealsWhere a meal may qualify
SoftwareTools you paid for yourself
SUNDAY NIGHT
Your reps don’t spend Sunday categorizing 150 transactions.
The company can set the categories: commissions, chargebacks, gas, housing. Those rules sort the books as deposits and swipes come in.
The organization never sees the rep’s balances, purchases, net worth, or tax details. It sets the language. The rep keeps the books.
A deposit is not spendable cash. Gross commission, chargebacks, and the tax reserve are different piles.
Example rules
IF merchant contains “Shell”
THEN categorize as Gas
IF description contains “chargeback”
THEN categorize as Chargeback
IF merchant contains “Airbnb”
THEN tag as Temporary lodging
Someone who knows 1099 sales
When tax season comes, the books are already organized.
We can connect you with a preparer who understands commission income, chargebacks, and a summer that does not look like a salary.
One package for your preparer
Income, expenses, miles, and what you set aside.
Categorized income, expenses you flagged, mileage, estimated payments, and a summary — in one place a CPA can use. Moat still does not file the return.
AFTER THE CHECK
See what you’re actually building.
A big summer only counts if it is still there in January. Net worth is the money you kept, not another dashboard.
Net worth
Bank accounts, investments, debt, the truck, a house. What the season added, and what it did not.
No employer 401(k)?
Build your own long-term plan. IRA, Solo 401(k), or SEP IRA show up as planning context. Moat does not give personalized tax or legal advice.
The goal that is not “retirement”
A down payment. An investment property. The truck paid off. A winter off. The season has a job to do.
Safe to spend
An incredible August and a quiet January are the same year. The plan says what can be spent before the next season starts.
For the owner or VP of sales
Reps find out in April they owe taxes they already spent. Good people leave because nobody taught them the money. A generic budgeting app does not know what a chargeback is.
A benefit they will open.
Recruit with something useful. $19.99 per active rep per month covers personal finance, expenses, mileage, and the rest of their money. Onboard everyone onto the same categories. Fewer “I didn’t know I owed $25k” disasters.
You see licenses and whether people are using Moat. You do not see their money.
PRIVATE
Your company can pay for Moat.
They can’t see your money.
The organization can sponsor the seats. It cannot see bank balances, purchases, net worth, or tax information. If you switch companies or leave the summer, the account stays yours.
PRICING
$19.99 per active rep per month.
One seat. The organization pays for reps who are using Moat.
Plus the rest of Moat
- Real estate
- Total net worth tracking
- Retirement planning and forecasting
- Tax reserve and a plan for after the season
Large account setups are reviewed with the organization in advance.
Keep more of what you earn.
Taxes, miles, and a plan for after the season. The books stay private from the sales organization.
Get started for free
30-day free trial — then $19.99 per active rep per month
Try the demo