FOR BARTENDERS, SERVERS, BARISTAS & ANYONE WHO LIVES ON TIPS

The IRS doesn't care that you
got paid in singles.

Closeout tracks your tips, sets aside your tax, and tells you what's actually yours to spend. Built for people who don't know what they made until they cash out.

No bank connection. No spreadsheet. 90 seconds to your first number.

$1,400
Avg. "No Tax on Tips"
refund in 2026
$25K
Max federal tip
deduction through 2028
70+
Tipped occupations
that qualify
12%
FICA + state still owed
(track it or lose it)

You're owed up to $1,400 in 2026. Most tipped workers don't know it.

"No Tax on Tips" passed in 2025 — but only if you track right. Federal tax on tips is deductible through 2028. FICA and state tax still apply. Closeout does both, live, every shift.

"Bartender at a steakhouse. I had no idea I could deduct up to $25K of my tips. My CPA found me $1,180 I didn't know I was owed."
Saturday hours (8 × $2.13)$17.04
Credit card tips$268.00
Cash tips$96.00
Tip-out to bussers / bar (5%)−$18.20
What you put in your pocket$362.84
Federal tax on tips ("No Tax on Tips")$0.00 ✓
FICA + state (~12%)−$43.54
Yours tonight$319.30

Three taps. One honest number.

— 01

Log your shift.

Hours, tips, tip-out. 30 seconds. You can do it walking to your car.

— 02

See what's yours.

Tax math runs live. So does your "safe to spend" number — based on a smoothed average so a slow Tuesday doesn't blow your week.

— 03

Stop owing the IRS.

Your tax reserve grows shift by shift. April becomes boring instead of catastrophic.

Built for tip pools, double shifts & cash drawers.

Tip-out calculator

For pooled houses, percentage-based tip-outs, and the math you shouldn't have to do at 2am.

§

Multi-state tax engine

Texas has no state income tax. California has a lot. Closeout knows which one is yours.

Income smoothing

Four-week rolling average tells you what you'll actually have, not just what tonight looked like.

Tax reserve tracker

Quarterly target meter. Hit it shift by shift. Stop dreading the IRS letter.

One-click tax export

Year-end CSV, TurboTax & H&R Block ready. Your tax filer will love you.

POS auto-import

Toast, Square, Clover, 7shifts. Stop typing tips at the end of every shift.Coming Q3 2026

Real workers. Real receipts.

"First app that actually understands what a tip-out is. I'm not converting it to 'business expense.' It's just tip-out."

Maya R. Bartender · Austin TX

"Got blindsided for $4,200 last April. Started Closeout in September. Owed $180 this year. I'm a believer."

Devon K. Server · Chicago IL

"The 'safe to spend' number is the only finance number I look at. It just works."

Joss A. Barista · Brooklyn NY

Less than one drink at staff price.

Free forever for the basics. Pro pays for itself the first time you avoid an IRS penalty.

Free · Available now
$0 / forever

The core tool. Track shifts, see your real take-home, never pay a dime.

  • Manual shift logging
  • Live tax math (FICA + state)
  • Tip-out calculator
  • "Safe to spend" weekly number
  • Tax reserve tracker
  • Private — your data stays in your browser
Use it now — free →

Honest answers.

How does the new "No Tax on Tips" law affect me?

Big deal. The OBBBA, signed July 2025, lets eligible tipped workers deduct up to $25,000 in qualified tips from federal income tax through 2028. The average refund is ~$1,400. But: you have to track your tips correctly — voluntary tips count, mandatory service charges don't. You also still owe FICA (7.65%) and state taxes. Closeout tracks the right things so you can claim the maximum deduction and not miss out.

Do I have to connect my bank account?

No. Never required. Manual entry works forever. Bank connection is optional for the auto-savings feature in Pro — and even then, we use Plaid (the same security infrastructure your bank uses).

What about cash tips I don't report?

Under "No Tax on Tips," cash tips that are reported now save you federal income tax — so there's a real financial upside to reporting accurately (the average claim is ~$1,400). Closeout doesn't report to anyone; we're a private tool. We just help you see the math both ways so you can make the call. What goes on your tax return is between you and your tax preparer.

Is this tax advice?

No — Closeout is an estimator, not a tax preparer. We help you save the right amount and export clean data. The actual filing is for you and your CPA / TurboTax / H&R Block. Same model as Mint or Hurdlr.

Which POS systems work with Closeout?

At launch: manual entry only — works for any job. In development for Q3 2026: Toast, Square, Clover, and 7shifts integrations. Email us your POS and we'll prioritize.

Why $4.99 when other tax apps cost $20+?

Because tipped workers are paid hourly + tips, not in salary. $4.99 is one drink at staff price. We don't think you should pay $200/year to know what you make.

Is there an iOS or Android app?

Web app at launch — works on every phone, no download. Native iOS app is in development based on early-user demand. Get in now to vote on what we build next.

Don't leave your $1,400 refund on the table.

"No Tax on Tips" only helps if you track right. Free to start. No bank connection. Your first number is 90 seconds away.

Start tracking — it's free →