Pay yourself. Skip the ADP fees.
Owner-operator payroll for $7/month.
Cut tax-time prep from a weekend to ten minutes. Built for solo S-corp owners, family-LLC parents, and anyone running their own one- or two-person payroll.
Start with $10 free credit. No credit card required.
Simple setup. Compliance built in.
Set up in 5 minutes
Enter your business and add yourself (or your kids, your spouse, your one employee). Any structure works — S-corp, LLC, sole prop.
Run payroll in under a minute
We do the tax math — federal, every state, and the family-LLC and S-corp specials. You see exactly what comes out of each paycheck, before and after.
Pay everyone with one click
Tracta gives you bank-ready files: one for your team's direct deposit, one for the IRS, one for your 401(k). Upload once, money moves.
For family-LLC owners
Hire your kids. Build their Roth IRA.
Children under 18 in a parent-owned sole prop or family LLC are exempt from FICA — that's 15.3% off every dollar of wages. See the power of compound growth.
Family Employment Tax & Roth IRA Calculator
Tax Savings (per year)
$11,914
Business deduction at 37% bracket
170x return
Tax Exemptions (per year)
$4,927
exempt
$84
exempt
$378
exempt
Roth IRA Growth (per child)
Contributed over 51 yrs
$383K
Value at 65
$10.6M
($2.3M in today's dollars)
× 2 = $21.1M family
Up to $16,100/child tax-free • SS/Medicare exempt <18 • Unemployment exempt <21 • 10% return, 3% inflation assumed
Stop overpaying for payroll you don't need
ADP and Gusto are built for 50-person companies. QuickBooks Payroll doesn't know what an S-corp or a family LLC is. Spreadsheets get you audited. Tracta is the third option.
You're paying $40+/month for the wrong tool
- ADP / Gusto: $40+/month for one or two people
- QuickBooks Payroll: skips S-corp health, family-LLC tax break, Solo 401(k)
- Spreadsheets: miss tax deadlines, don't survive an audit
- CPAs: hourly fees for filings you could do yourself
- No one tells you what to deposit or when
Keep more of what you earn. Get your weekends back.
- Pay yourself the right way (not too much, not too little)
- Skip the IRS website — pay taxes through your business bank
- Cut tax-time prep from a weekend to ten minutes
- Send your Solo 401(k) money to Fidelity / Schwab / Vanguard with one upload
- Hire your kids tax-free (15.3% savings)
- Stop missing deposit deadlines — we tell you exactly what you owe
- No more CPA fees for forms you can file yourself
- Audit-ready records, all in one place
What you actually get
No feature checklists. Real outcomes — money saved, time back, audits avoided.
Run payroll in 60 seconds
Hourly or salary, in any of the 50 states. Tracta does the federal and state tax math so you don't have to.
Pay yourself, the right way
Solo S-corp owners get reasonable-compensation guidance, automatic shareholder-health adjustments, and clean year-end numbers — no CPA visit required.
Skip the IRS website
Pay your federal taxes by uploading one file to your business bank. The bank moves the money; we handle the paperwork the IRS expects.
Pay your team in one click
Direct deposit through your existing business bank. No new payment processor, no per-employee fees.
Fund your Solo 401(k)
Send your personal deferral, the company match, and the 25% profit-share to Fidelity, Schwab, or Vanguard with a single upload. Reconciliation always lines up.
Hire your kids tax-free
Family-LLC parents save 15.3% on every dollar — Tracta auto-applies the under-18 exemption and tracks each child's Roth IRA contribution room.
Never miss a deposit deadline
Every month you run payroll, your dashboard shows exactly what you owe the IRS and when. The reminder clears itself when you pay.
Cut tax season from days to minutes
W-2s for everyone you paid, quarterly and annual filings ready to submit, all the records the IRS asks for — generated as you go.
Fix mistakes without a CPA
Discovered an error after filing? Tracta generates the correction paperwork with the right before/after diff so you can submit it confidently.
Stay compliant in any state
Quarterly state unemployment reports for everywhere — California, New York, Illinois, Texas, Florida, and 45 more — without learning each state's portal.
Audit-ready, automatically
Pay stubs, tax filings, deposit confirmations, timesheets — all organized in your Tax Vault. If the IRS ever asks, you have the answer.
Build your kids' wealth
Track every dollar of earned income toward their Roth IRA contribution limit ($7,000 in 2026). Compound interest from age 8 vs age 28 is a different universe.
Two ways Tracta saves real money
The tax code rewards owner-operators who structure compensation correctly. Tracta makes both paths effortless.
Hire your kids tax-free
Children under 18 in a parent-owned sole prop or family LLC are exempt from Social Security + Medicare. No FUTA on under-21s.
Tax-free earnings per child via the standard deduction (2026). The wages also reduce your business's taxable income.
Roth IRA contribution limit per child — Tracta tracks earned income toward this automatically.
Pay yourself the right way
Maximum Solo 401(k) contribution per year (2026). Tracta generates the bank file your plan custodian needs.
Profit-sharing the company contributes on top of your $24k personal deferral. Reported correctly on your W-2.
vs $40+/month for ADP / Gusto. No per-employee fees. No filing fees. No setup fees.
Simple, transparent pricing
Start with $10 free credit. No credit card required.
or $70/year (save 17%)
Everything you need for compliant owner-operator payroll
Start with free credits:
- 1Sign up and get $10 in credits
- 2Use all features with no restrictions
- 3Add payment method when credits run low
Everything included:
- Run payroll in 60 seconds
- Pay yourself + your team in one click
- Pay the IRS without logging into eftps.gov
- Fund your Solo 401(k) at Fidelity / Schwab / Vanguard
- Hire your kids tax-free (family-LLC)
- Never miss a tax deposit
- Cut tax season from days to minutes
- Fix prior filings without a CPA
- Stay compliant in all 50 states
- Track Roth IRA contribution room (kids)
- Audit-ready records, always
- Unlimited employees, no per-head fees
Get back the weekend you usually lose to taxes
Quarterly filings in under 10 minutes. Year-end W-2s in one click. Tax deposits without leaving your bank's website.
Save ~15 hours per quarter
Your numbers are already filled in. Submit to the IRS portal in a few clicks instead of hunting them down in a spreadsheet.
Skip 4-6 hours of CPA fees
Quarterly filings, year-end W-2s, and corrections — all DIY. Use your CPA for the strategy, not the form-filling.
Avoid a $500+ late penalty
Each month, see exactly what you owe the IRS. The reminder won't go away until you've paid — so you can't accidentally miss a deadline.
Frequently asked questions
Ready to simplify your payroll?
Join owner-operators who trust Tracta to handle payroll, file forms, and pay the IRS. Get started with $10 in free credits.