teni. product · teni score
you've got a
credit score.
why not a tax score?
five signals blend into one number. clean books. tax readiness. deduction capture. entity fit. documentation. see where you stand against creators at your income. get specific moves to climb.
example score shown. yours will be unique to your situation.
you're in the top 18% of creators at your income level.
teni score isn't a credit score. it's a snapshot of your tax health. higher scores unlock better recommendations, faster audit defense, and priority CPA review on teni premium.
the five components
what builds your score.
25%
clean books
every transaction categorized. accounts reconciled to your bank. receipts attached and stored. clean books are the foundation of a defensible return.
# of categorized transactions
25%
tax readiness
quarterly estimates paid on time. no late payments. w-2s and 1099s received and matched. when filing day comes, you're already ready.
quarters compliant, zero delinquencies
20%
deduction capture
you're deducting meals, mileage, equipment, subscriptions. compared against peers at your income. higher score = you're not leaving money on the table.
total deductions vs peer average
15%
entity fit
sole proprietor, LLC, S-corp alignment with your income and structure. if you're making $120k and still sole prop, this signal is low. simple fix.
business structure vs income
15%
documentation
receipts, invoices, contracts, mileage logs. if the IRS audits, you have proof. every attached document lifts your score.
% of transactions with receipts
what it unlocks
your score is a roadmap.
below 500
audit prep flag
teni highlights weaknesses and suggests filing safer. focus on clean books first.
500–700
personalized recommendations
specific moves to improve each component. usually: add deductions, reconcile accounts, attach receipts.
700+
higher confidence, premium perks
early access to teni money, priority CPA review, advanced audit defense templates.
750+
audit defense bundle
teni provides pre-built explanations, comparable data, and precedent citations if you ever get audited.
how you climb
specific moves. specific impact.
switch to s-corp at $82,000+ income
$4,200 – $8,400/year in self-employment tax savings
if you're making decent money, an S-corp election can be a huge lever. teni calculates if it makes sense for you, then handles the paperwork.
capture meal deductions
$1,200 – $2,400/year
50% of meals with a business purpose. many creators forget this. scan every business meal with sam sees, category it, and claim it.
form an LLC for 1099 creator income
+$800 credibility in an audit, lowers personal liability
sole prop → LLC is simple. improves entity fit, looks more professional if audited, separates personal and business.
attach all receipts to transactions
+200–300 score points usually
teni mobile: snap a photo of receipts as you spend. by year-end, you have proof for everything. audit defense built in.
reconcile bank accounts quarterly
+150 score points, catches errors early
don't wait until tax season. every three months, match teni's categories to your actual bank. fixes mismatches, reduces audit risk.
where do you stand?
teni score benchmarks by income.
average
584
top 10%
742
average
621
top 10%
778
average
658
top 10%
812
average
695
top 10%
845
benchmarks are from teni users who opted into anonymized comparison. your peer group is determined by your reported income.
common questions
asked & answered.
how often does my score update?
teni recalculates your score every time you make a significant change — add a transaction, attach a receipt, reconcile an account, pay an estimated tax. some changes are instant, some daily. you'll see 'score updated' notifications.
can i see what's dragging my score down?
yes. teni shows a breakdown of each component and a ranked list of improvements. highest impact moves are suggested first. focus on one or two moves per month, not everything at once.
does a higher score mean i won't get audited?
no score guarantees that. but a higher score means you're better prepared if you do. cleaner books, more receipts, better documentation all reduce audit risk and give you defensible ground if audited.
is teni score proprietary or based on irs rules?
it's teni's own model, built on irs code and audit patterns. we weight components based on common audit triggers and deduction defenses. think of it as 'audit readiness' more than 'tax compliance score.'
what if my score goes down?
it usually means a life change — you switched business types, your income dropped, you missed a quarterly payment. teni will flag what changed and suggest corrections. scores are meant to move.
can i benchmark against other creators in my niche?
not yet, but coming in 2026. teni is working on niche benchmarks — podcasters vs etsy sellers vs dropshippers. once that launches, you'll see how your score compares to people doing exactly what you do.
find your tax score.
download teni for free. connect your bank. teni calculates your score in about 30 seconds. then it shows you exactly how to climb.
available on ios. android coming 2026.