1099 income.
W2 simplicity.
Every time you get paid, Disco detects it, splits it into spending, taxes, and savings, and shows you exactly where your money should go. No spreadsheets. No guessing.
Disco is an iPhone app that automatically splits 1099 income into spending, tax reserve, and savings. Built for gig workers, freelancers, and the self-employed, Disco connects to your bank, detects each income deposit in real time, and recommends a personalized tax set-aside based on your state and income bracket — so you never get surprised at tax time.
You earn the money. Nobody helps you manage it.
Nobody withholds your taxes. Nobody splits your paycheck. Nobody tells you what's safe to spend. That changes now.
"I owe how much?"
Tax season hits and you owe thousands you don't have. Self-employment tax alone is 15.3% — before federal and state income tax.
"Is this safe to spend?"
You see $3,000 in your account but have no idea how much is earmarked for taxes. So you spend it—and regret it later.
"I'll figure it out later"
You keep telling yourself you'll set up a system. You never do. Because there's no tool built for how you actually earn.
Your income, finally organized
Disco connects to your bank, watches for deposits, and instantly tells you how to split every dollar. Personalized to your state, income, and goals.
Connect your bank
Securely link your bank account. Disco monitors your deposits and flags every incoming payment in real time.
Get your personalized split
During setup, Disco recommends a tax rate based on your state and income bracket. Choose a preset or set your own ratio.
See exactly where every dollar goes
Every deposit triggers a notification with a clear breakdown: here's your spending money, here's your tax reserve, here's your savings.
Your 60/30/10 split applied instantly
Disco Accounts — dedicated spending, tax reserve, and savings accounts with automatic transfers. Early access users get first priority.
Everything you need to stop guessing
No other app is built for how gig workers and freelancers actually earn and manage money.
Automatic Income Detection
Connect your bank and Disco watches for deposits. When income lands, you get a push notification with your split breakdown.
State-Aware Tax Guidance
Disco recommends your tax set-aside based on your state and income bracket. Not a generic 30%—a rate that fits your situation.
Three-Bucket Dashboard
One screen shows your spending balance, tax reserve, and savings. Always know what's safe to spend and what's spoken for.
Real-Time Notifications
Get a push notification every time income is detected. Confirm the split, adjust it, or mark it as "not income" — right from your phone.
Flexible Split Presets
Conservative, moderate, or aggressive — pick a preset or dial in your exact percentages. Change anytime as your income shifts.
Full Split History
Every split you confirm is logged. Filter by date, status, or type. See your monthly totals and know exactly where you stand.
Built for 70M+ gig workers and freelancers
If you file a 1099, Disco was built for you.
Rideshare Drivers
Uber, Lyft, and beyond
Delivery Workers
DoorDash, Instacart, Grubhub
Freelancers
Designers, writers, developers
Service Providers
Stylists, tutors, handymen
Frequently asked questions
Everything you need to know about how Disco works.
What is Disco?
Disco is an iPhone app that automatically splits 1099 income into spending, tax reserve, and savings. When a deposit lands in your bank account, Disco detects it and shows you exactly how much to set aside for taxes based on your state and income bracket — so freelancers, gig workers, and the self-employed never get surprised at tax time.
How does Disco calculate my tax rate?
During setup, Disco asks for your state and estimated annual income, then recommends a federal + state self-employment tax rate tailored to your situation. You can accept the recommendation, choose a Conservative / Moderate / Aggressive preset, or set a custom percentage. You can update it anytime as your income changes.
Is Disco safe to connect to my bank?
Yes. Disco connects to your bank through Plaid, the same bank-level secure service used by Venmo, Robinhood, and Coinbase. Your bank credentials are never stored by Disco. Disco only receives read-only transaction data, all encrypted in transit (TLS) and at rest (AES-256). Disco does not move money or sell personal information.
Does Disco work for DoorDash, Uber, Lyft, and Instacart drivers?
Yes. Disco was built specifically for 1099 earners, including rideshare drivers (Uber, Lyft), delivery workers (DoorDash, Instacart, Grubhub, Uber Eats), freelancers, and independent service providers. Any deposit from any 1099 platform can be split automatically.
How much does Disco cost?
Disco is free to download and use. No credit card is required to start splitting income.
Does Disco file my taxes for me?
No. Disco helps you set aside the right amount for taxes throughout the year so you have the cash ready when taxes are due. You still file your taxes through your preferred service (TurboTax, an accountant, etc.).
Is Disco available on Android?
Not yet. Disco is currently available on iPhone via the App Store. Android support is on the roadmap.
What is the recommended split for 1099 income?
A common starting point is 60% spending, 30% tax reserve, and 10% savings, but the right tax percentage depends on your state and income bracket. Self-employment tax alone is 15.3%, and federal income tax adds 10–37% on top. Disco recommends a personalized tax rate based on your situation.
Still have questions? Visit our support page.
Never owe taxes you didn't plan for
Download Disco and start splitting your income today. Free to use. No credit card required.
Available on iPhone. Android coming soon.