January 16, 2022

Tax Deductions for Wedding Photographers

Tax Deductions for Wedding Photographers

I’m writing this during Christmas week; the week we’re spending time with family, playing in the snow, and binging on a year’s worth cookies. Or maybe that last one’s just me… What we probably aren’t thinking about, however, is taxes. Let’s talk about tax deductions for wedding photographers.

The last week of the year is actually a pretty important week in your self-employed tax life. It’s the last opportunity to get those precious write-offs included for the year. Some of you might be wondering what the term “deduction” means, and others might not be sure what counts as a deduction or why they’re important.

Let’s answer and unpack this idea together.

What’s a deduction?

A tax deductions means the same thing as an “expense” or “write-off” and I’ll probably use both terms throughout this post.

While taxes can seem like an unnecessarily complex system of rules and exceptions, the math is seldom more complicated than what you learned in fourth grade. You memorize this equation and you’ll be able to understand 95% of the tax issues you’re likely to run into…

We’re going to focus on that word “deductions”, which again, means the same thing as “write-offs” or “expenses.” Deductions chew away at the income you earned throughout the year, which in turn reduces the amount of taxes you need to pay and might even result in that sweet sweet refund.

Let’s say you earn $50,000 from shooting weddings this year. Let’s also say your tax rate is 15%. Without any deductions, you’ll pay taxes of $7,500.


Now let’s say that instead of having zero deductions like you did in the example above, instead you bought two new cameras and a lens totaling $10,000. Now you only owe $6,000 rather than the $7,500 you did before buying the camera gear.

That gear purchase reduced your tax bill by $1,500! That’s actual cash saved that you don’t have to pay the government. You can even look at it in another way: Those cameras and that lens were $1,500 off! Pretty nice discount! Yet you can also see that despite spending a lot of money on gear, you didn’t really shave all that much off your tax bill, only 15%.

I’ve met some people who mistakingly think that because a thing is a deduction or write-off that the thing is somehow free once tax time rolls around – that they’ll get it back in the form of a refund. You can see here how that’s not true. The true value of a write-off is simply the cost of the item discounted by your tax rate. So for example, if I’m buying a new Canon R5 for $3,800, I can think about it instead as being 15% off, or $3,230.

Sorry for all the math.

“So… why not just buy a bunch of gear at the end of the year so I don’t have to pay taxes?”

Valid question. The most simple answer is that you’ll run out of cash and starve to death. So don’t do that.

End of year write-offs

Let’s say you made a ton of photography income this year but you don’t have many write-offs and you don’t want to be stuck paying a ton in taxes this tax season. What can you do? One simple solution is this: If you were planning on buying a new camera in January, maybe you can accelerate that purchase and buy it this week instead. That way you’ll have the deduction for this year instead of next year.

Camera gear isn’t the only thing you’re able to write-off. Another example could be conferences! Let’s say you were planning on going to a workshop this year but weren’t planning on registering until January. Again, just like the camera example above, instead of registering in January, make it a write-off for this year and register this week. Make sense?

Write-offs only count in the year you spend the money.

“What if I use a credit card to pay for something in December but don’t pay the credit card bill until January? Is it a write-off in December or January?”

GREAT QUESTION. It’s a write-off in December because that’s the year you incurred the obligation to pay.

What you can do this week

Here’s a are a few more write-off ideas for you to think about this week…

1. Pre-pay office rent for next year
2. Pre-pay self-employed health insurance for next year
3. Buy your bookkeeping or tax software/app this week instead of during tax season
4. Book any flights for weddings next year this week if you can
5. Pay membership or subscription fees this week for next year

See the theme here? If you have any expenses you already had in the pipeline for the first part of next year, you can think about paying them this week so they can be treated as a deduction this year instead of next year.

Now, that means you won’t have those deductions next year, but we’ll chat about that in a later article when we talk about estimated and quarterly payments.

This of course isn’t an all-encompassing list of tax deductions for wedding photographers, but it’s a good place to get started. As always, feel free to drop questions and comments below. Maybe let me know what sort of tax topics you want me to write about.




Brandon, THANK YOU! Just stumbled across your site when researching sale’s tax, and I’ve been binge reading all of your articles, haha. This is incredible helpful and I can’t thank you enough for taking the time to write these! Just gave a follow on Instagram- love you work even more than these resources! [Fellow photog in Monrovia, CA].

Kindest words! Thanks! Have a couple more on deck that should be just as helpful hopefully!

hahah— Dec 30th is my husbands FAVORITE day of the year because he knows he can buy ANYTHING photo related with the excuse that we “need” deductions. He totally exploits this every year. 🙂

We do always pre-buy our editing, our canon CPS membership, pay for airline tickets and hotel costs for wppi and any conferences. Basically, December is a month of business splurging!

Remember that pre-buying things like that (otherwise known as accelerating purchases in accounting speak) only makes sense in a year where you think you’ll owe more and need the deduction. In other words, if your tax rate in 2019 is 25% and your tax rate in 2020 is 15%, it would make more sense to pre-pay your 2020 Adobe CC membership in 2019. If the rates were switched (2019 being 15% and 2020 being 25%), it would make more sense to pay for your 2020 CC subscription in 2020. Make sense?

[…] 1. Health insurance. If your employer provides it currently, you’ll need to find a way to be insured after you quit. Try and get on your parent’s plan if you’re under 26. If you’re over 26, use the healthcare marketplace to find out how much it’ll cost for your own plan. I pay $324 a month, for reference. Remember it’s a tax deduction, so that will save you about 15-20%. See my tax deduction post to understand what that last sentence meant. […]

Hello there!

Ryan Chard Smith sent me your website and I’ve been meaning to drop you a line. I’m actually sitting here with all my receipts from 2016 and took a browse at your tax deductions for photographers blog. One big question I have is about depreciation. I’m pretty sure my tax guy said I can’t write off big items like my new laptop I can k my write off the depreciation of the value of the laptop?! Do I need to fire this guy? Lol, anyways it really left me hurting when it came time to pay up last year. Any tips wood be appreciated. I love your work and website!



Hey Michelle!

He’s not wrong, but he’s not right either. For large purchases, like a laptop, you have to depreciate it over 3 years. HOWEVER, there’s a well-known allowance that lets you write-off big purchases up to $500K… so he’s wrong in that sense. He should know about that. It’s pretty common knowledge for tax preparers. The catch is that if you sell your laptop before 3 years is up, you have to recapture the amount you wrote-off before.

Example: You bought a MacBook for $1,800 in 2016. Normally you would have to depreciate it for 3 years and only get to write-off $600 per year for 3 years. Instead, let’s say you take advantage of that allowance and write-off the entire $1,800 on your 2016 tax return. Now let’s say you sell your laptop after using it for 2 years. You would have to add back as “income” 1/3 of the allowance on your 2018 tax return, or $600. Make sense?

[…] Just a quick heads up, we’ll be talking about tax deductions here and there, so if you need a refresher, first check out this post. […]

[…] amount of money you’re able to deduct per-mile. If you need a refresher on what a deduction is, check out an earlier post here. Some years the rate stays the same, other times it changes wildly. The IRS determines the rate by […]