For self-employed workers & 1099 contractors

Mileage and taxes, handled — for people who drive for work

Describe a trip in your own words. AI logs it at the current IRS rate and builds a compliant record instantly, so mileage and taxes stop being a March problem. No GPS.

No background tracking No GPS required IRS-compliant from day one Free to start
Estimate your 2026 deduction
Business miles driven this year
Estimated deduction
—
Enter your miles above
Estimate only — based on the 2026 IRS rate. Log your actual trips for a precise, timestamped record the IRS can't challenge.
Log trips → get the real number
$0.76
IRS rate, Jul 2026 onward
$7,600
deduction on 10k business miles
5
IRS-required fields, auto-captured
$69
Pro per year · free to start

Every business mile is worth money. Most self-employed workers leave some of it unclaimed.

The mileage deduction is one of the largest tax breaks available to self-employed workers — and most people underestimate how fast it compounds.

$0.76
per business mile
Jul 2026 IRS rate
35–40%
combined tax rate saved
income + SE tax
3 yrs
IRS can audit back
keep records that long
0
cap on business miles
you can deduct

The deduction reduces your Schedule C net profit — which lowers both your income tax and your self-employment tax. At a combined rate of roughly 35–40%, every $1,000 in mileage deductions puts $350–$400 back in your pocket. Drive 15,000 business miles and you're looking at an $11,400 deduction.

The catch is the IRS requires a contemporaneous log — a record kept at or near the time of each trip. A mileage estimate assembled in April is not a log. Without one, the deduction is at risk.

Who qualifies: Self-employed workers filing Schedule C — freelancers, 1099 contractors, gig drivers, sole proprietors, and small business owners. W-2 employees generally cannot deduct unreimbursed mileage on federal returns under current law — if that's you, mileage reimbursement from your employer is the path instead.

Describe it. AI logs it. Done.

Most mileage tools make you tap start, drive, tap stop, and classify the trip afterward. FuelMath skips all of that.

1
Describe the trip naturally
Type anything — "drove to the Mendez inspection at 440 Oak Ave, left from home" or "DoorDash from Chipotle on Foothill to a customer on Lake Ave." Casual, abbreviated, messy — it doesn't matter.
AI-powered parsing
2
AI maps it and calculates the miles
FuelMath extracts origin, destination, purpose, and date. Google Maps calculates the actual distance. The current IRS rate is applied automatically — 76 cents per mile, effective July 1, 2026.
Maps API distance
3
A compliant record is built for you
Every trip is timestamped with all five IRS-required fields and stacks into a running deduction total. At tax time, export to PDF or CSV — or hand it to your accountant as-is.
IRS-compliant format

What your mileage log actually needs

Five things, every trip. FuelMath captures all five automatically. If you've been logging in a spreadsheet, check whether your records include each one — or start from our free IRS mileage log template.

Required field
What counts
Date
When the trip occurred. Contemporaneous means recorded at or near the time — not reconstructed later from memory or calendar.
Starting point
Where you departed from. "Home," "my office," or a specific address — specific enough to verify if questioned.
Destination
Where you drove to. An address or business name the IRS could look up. "Client office" alone is not sufficient.
Business purpose
Why the trip was work-related. "Client visit — quarterly review, Acme Corp" is much stronger than "business trip."
Miles driven
Total miles for the trip. FuelMath calculates this via Google Maps — no odometer reading required.
What sinks most mileage claims in an audit: logs assembled after the fact. Identical handwriting, round numbers, vague purposes. FuelMath timestamps every entry as you log it — building the contemporaneous record the IRS expects.

The IRS doesn't require GPS. Most mileage apps use it anyway.

Background GPS tracking is the default approach because it requires nothing from the driver. It works — but it comes with real trade-offs your deduction doesn't require you to accept.

GPS-based apps
Always-on location tracking
—Background GPS drains battery significantly during active tracking
—Monitors all movement — personal trips included — you classify after the fact
—Location data stored by the app provider
—Ongoing location permissions you have to keep granted
FuelMath
Log when you choose, from anywhere
✓No background access. No location permissions. Zero battery impact.
✓Describe trips in your own words — in the car, at day's end, whenever
✓Distance calculated from your description, not from tracking your movement
✓No location history stored, and nothing draining your battery
Worth knowing: because there's no GPS, there's no location trail of your personal life sitting on someone's server. If that matters to you, here's what to look for in a mileage tracker's privacy policy — and how FuelMath stacks up against the best no-GPS mileage tracker.

Every logged trip grows the number

Trips, miles, and dollars total up as you go. Watching the deduction climb is what turns logging from a chore into a habit — and the habit is what makes the record hold up.

Trips logged
9
this year
Miles documented
549.8
total miles
Total est. deduction
$299.90
mileage + expenses
Your FuelMath dashboard · figures shown are a sample account

How self employed mileage deductions add up

Each trip you log becomes a dated line item — origin, destination, purpose, miles, and the dollar value at the current IRS rate — and the running total at the top is the deduction those lines are worth. At tax time you export the whole year to PDF or CSV and hand it to your accountant, already formatted. That's the whole loop: log as you drive, let it accumulate, file from a record you didn't have to reconstruct.

What they tracked this year

$13,870
in deductions tracked
★★★★★
"I drive to showings, open houses, inspections, closings — every single day. Running GPS tracking made me uneasy. Now I have better peace of mind, with an exact number and every trip documented."
Cheryl M.Real estate agent · Austin, TX
$7,210
in deductions tracked
★★★★★
"I've tracked every single business mile this year for the first time ever. The number in my dashboard is genuinely motivating — watching it grow makes me actually want to log every trip."
Greg D.Videographer · San Jose, CA
$2,440
in deductions tracked
★★★★★
"I logged my trips from the previous day while my coffee brewed every morning. First time I've ever felt on top of this part of being self-employed."
Marcus R.Online retailer · Phoenix, AZ

Free for mileage. Pro adds expenses, voice, and export.

Every business mile logged and every IRS deduction calculated is free — no trip limits. Pro adds the complete picture.

What you get
Free
$0
forever
no credit card
Pro
$69/yr
or $7.99/mo
save 28% annually
AI-powered trip logging
✓
✓
Running deduction total
✓
✓
Saved trips & favorites
✓
Unlimited
IRS-compliant log format
✓
✓
Expense tracking (AI-logged)
—
✓
PDF & CSV export
—
✓
Voice entry
—
✓
Cancel anytime. Start on Free and upgrade whenever export becomes worth it.

Guides to mileage and taxes

Everything below builds on this page — the rate, the log, the forms, and the edge cases that decide whether a mile counts.

Frequently asked questions

Do I need a GPS app to track mileage for taxes?▼
No. The IRS does not require GPS tracking. The requirement is a contemporaneous log with five fields: date, starting point, destination, business purpose, and miles. FuelMath captures all five from a short written description — no location access, no background tracking needed.
What is the IRS mileage rate for self-employed workers in 2026?▼
The standard business rate is 76 cents per mile, effective July 1, 2026. The IRS sets separate rates for other driving — 23.5 cents for medical and moving, 14 cents for charitable. FuelMath applies the correct rate based on your trip date automatically. See the IRS Mileage Rate 2026 guide for the full picture.
Who qualifies for the self-employed mileage deduction?▼
Self-employed workers filing Schedule C — freelancers, 1099 contractors, gig drivers, sole proprietors, and small business owners. Not sure which you are? See what a 1099 employee is and how those taxes work. W-2 employees generally cannot deduct unreimbursed mileage on federal returns under current law — for them, employer mileage reimbursement is the recovery path instead. Consult a tax professional for advice specific to your situation.
Does commuting count as a deductible business trip?▼
No. Driving from your home to a regular office is a commute — never deductible. But if your home is your principal place of business (you have a qualifying home office), drives from home to client locations or job sites generally qualify. The commute rule applies to the regular workplace, not every drive that starts at home. Our guide on commuting miles versus business miles walks through exactly where the line falls.
What does the IRS require in a mileage log?▼
Five things per entry: date, starting location, destination, business purpose, and miles driven. The log must be contemporaneous — recorded at or near the time of each trip, not assembled from memory later. A log built trip-by-trip throughout the year is far harder to challenge in an audit than one reconstructed at tax time.
Can I use the mileage deduction and also track actual vehicle expenses?▼
Not for the same vehicle in the same year. You choose one method per vehicle: the standard mileage rate, or actual expenses (gas, insurance, depreciation, repairs — prorated by business-use percentage). For most self-employed drivers, the standard rate produces a larger deduction with far less recordkeeping. See the full comparison guide.
What happens if I get audited?▼
The IRS will ask for your mileage log. A log with timestamps, specific destinations, and documented business purposes — built trip-by-trip throughout the year — is your strongest defense. FuelMath exports your complete log to PDF or CSV so you have an audit-ready record whenever you need it. More on IRS log requirements →
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