One formula.
Every Schedule C category.

Paste your bank transactions into Google Sheets. =TENFORTYCAT() categorizes them for IRS Schedule C — instantly.

Install Free — Google Sheets Free · 100 rows/month · No credit card required

Add optional context when the bank description alone is ambiguous — =TENFORTYCAT(description, context). Shortcut: =TCAT()

Description	Context	TenFortyCat returns
=TCAT("AMZN MKTP US*1A2B3C")	—	Office expense — Line 18
=TCAT("ZOOM.US")	—	Office expense — Line 18
=TCAT("UBER *TRIP")	—	Travel — Line 24a
=TCAT("STARBUCKS #12345")	—	Deductible meals — Line 24b REVIEW
=TCAT("STARBUCKS #12345", B5)	"client lunch"	Deductible meals — Line 24b

The problem

March arrives. Your bank export is not a tax return.

Every freelancer faces it: 300 raw bank descriptions and a Schedule C that wants line numbers. AMZN MKTP US* isn't "Office expense (Line 18)." Figuring that out manually takes hours — and one wrong category is an audit flag.

Your bank export

Description	Category
AMZN MKTP US*1A2B3C	?
STARBUCKS #12345	?
ZOOM.US	?
UBER *TRIP	?
USPS CLICK-N-SHIP	?

How it works

Three steps. No accountant required.

Install the add-on

One click from Google Workspace Marketplace. Works in every Sheet you already have — no template, no copy-paste setup.

Type `=TENFORTYCAT()`

Reference any cell with a raw bank description. Add an optional second argument to clarify ambiguous results: =TCAT(A2, B2). Works with any bank — Chase, Capital One, Amex.

Get the IRS category

The Schedule C line number, the category name, and a confidence signal. REVIEW flags tell you when to double-check.

What it knows

490+

vendor patterns pre-loaded — from STRIPE PAYOUT to GOOGLE *GSUITE to USPS CLICK-N-SHIP. For everything else, an AI classifier trained on real transaction data fills the gap.

All 20 IRS Schedule C Part II lines covered (Lines 8–27b)
HIGH / MEDIUM / REVIEW confidence on every result
Meals flagged at 50% deductible automatically
Personal expenses caught and flagged, not silently miscategorized
Works with any raw bank descriptor — no reformatting needed

You type	TCAT returns
=TCAT("GOOGLE *GSUITE")	Office expense — Line 18
=TCAT("STRIPE PAYOUT")	Other expenses — Line 27b
=TCAT("KAISER PERMANENTE")	Personal (not deductible)
=TCAT("GEICO AUTO INS")	Insurance — Line 15 REVIEW
=TCAT("BART CLIPPER")	Travel — Line 24a

Pricing

Less than one missed deduction.

A freelancer in the 22% bracket missing a $500 deduction pays $110 extra in taxes. TenFortyCat costs $99/year.

Free

forever

100 rows/month
All Schedule C categories
Confidence signals
Full-year export
Priority support

Install Free

Common questions.

Does it work with my bank?

Yes. Paste any raw description from any bank or credit card export — Chase, Capital One, Amex, Bank of America. TenFortyCat reads the raw descriptor exactly as your bank exports it.

What is Schedule C?

Schedule C is the IRS form self-employed people use to report business income and deductions. Part II lists 20 expense categories — from Advertising (Line 8) to Other expenses (Line 27b). TenFortyCat maps every transaction to the right one.

Is my financial data stored?

Only the transaction description text is sent for classification — for example, AMZN MKTP US*1A2B3C. No account numbers, no balances, no personal information. Descriptions are not retained after classification.

What if it gets one wrong?

Every result includes a confidence level. REVIEW means TenFortyCat isn't certain — add context in a nearby column and reference it: =TCAT(A2, B2) where B2 says "client lunch" removes the flag. You always have the final say: edit the cell and it stays. TenFortyCat is a categorization assistant, not tax advice.

One formula.Every Schedule C category.