1) Tax vs. Mortgage Optimizer
Default = $4,500/mo delivery average
Mileage itself must stay accurate — never fake a log. This slider models legal choices only: optional expenses, actual-expense vs standard mileage, and timing purchases across tax years.
Mileage deduction$21,000
Schedule C net (lender's base)$29,400
Qualifying income / month$2,450
Max home price (est.)$—
Est. tax on this net (SE + income)$—
Trade-off per $1,000 trimmed—loan power gained (tax cost ≈ $270 per $1,000)
Lenders average your last 2 years of Schedule C net (Fannie Mae Form 1084), add back depreciation/home-office, and may use the lower year if income fell. Planning window is therefore ~2 years before you apply — not the month before.
2) Shift log — odometer in / out (no GPS drain)
| Date | Miles | Earnings | $/mi |
|---|
3) Expenses — mapped to Schedule C
*If you use standard mileage, do NOT also deduct gas/repairs/insurance for the same car — the rate already includes them.
| Date | Category | Amount | Note |
|---|
Prototype: data stays in this browser (localStorage). No account, no server, nothing uploaded.
Pricing (planned)
| Free | Pro $6.99/mo or $59/yr | Competitors | |
|---|---|---|---|
| Manual shifts & expenses | Unlimited | Unlimited | MileIQ caps 40 drives/mo, Everlance 30 trips/mo |
| Mortgage mode & 2-yr planner | Basic | Full + alerts | None offer it |
| Schedule C export | CSV | CSV + PDF + quarterly tax | $9–14/mo typical |
| Chinese + English UI | Yes | Yes | English only |