Frequently asked questions

What is Keeper?

  • How does Keeper work?

    Keeper is a tax filing software that connects to your bank to automatically personalize your experience and uncover tax breaks. We help independent contractors, freelancers, and small business owners discover deductions and file taxes.

    By linking your accounts, our bookkeeping app lets us track and categorize your business expenses as they happen throughout the year — creating a list of deductions that will save you time and money when you file!

    You can easily review and manage your expenses in the Deductions tab. Should you have any questions about your expenses, feel free to reach out to your tax assistant using our in-app messaging feature.

  • Why your information is safe with Keeper

    We get it. Dealing with your financial information is something we take seriously. We use state-of-the-art, banking-grade encryption to keep your personal information safe. That's why we partner with Plaid to securely link your accounts to our app. 

    When you connect your financial accounts to the Keeper app using Plaid, you’ll be prompted to enter the username and password associated with those accounts (Heads up! We don't have access to your login information or bank account details.) Plaid then links your accounts to our app, so we can find your qualifying business deductions. It's that easy!

    You can learn more about Plaid here.

  • Why should you track your business deductions?

    Business deductions are your best friend if you have any type of 1099 or self-employment income. You can deduct anything you buy to do your work — but for it to be deductible, you have to track it. 

    How do deductions work? Essentially, part of every dollar you spend on your business comes off your tax bill at the end of the year. So if you don’t track what you’re spending, you end up paying more taxes than you should!

    Still confused? Take a look at our article on tax deductions. It’s one of the many free resources we offer to freelancers, gig workers, and small business owners.

    Not finding what you need (or have a specific question that isn’t answered)? You can send a message to your tax assistant under "Ask" located on the app!

  • Taking the standard deduction and claiming business deductions

    In the realm of tax deductions, a common question arises: Can you claim the standard deduction while also deducting business purchases?

    The answer is a definite yes! The standard deduction is specifically for personal deductions that you can take instead of itemizing them. These personal deductions are separate from your business deductions. So, you can absolutely claim your business expenses on top of the standard deduction.

    Read more about it in our article, “Can I Take the Standard Deduction and Deduct Business Expenses?

  • File taxes with us!

    When you file taxes with Keeper, we submit all your deductions for you, along with all the necessary tax forms — taking the stress out of tax filing. 

    Once you’re done filing, a tax pro will review your return to make sure everything is correct. When the review is complete, you'll receive a notification in-app and through email, asking you to confirm your estimated refund (or tax bill) amount. We'll only file once you've authorized us to do so.

    Your annual Keeper subscription includes filing with the IRS and up to two state returns. If, for any reason, you decide not to file with us, no problem! You can export your business deduction sheet straight from your web dashboard and take it to your accountant.

    You can learn more about our tax filing service by going to the Filing Taxes section of the help center!

  • Premium Plan

    What is Keeper Premium?

    What’s included? 

    If your tax situation isn't supported by traditional tax software, Keeper's Premium plan can provide you with access to a tax professional who can assist you with:

    1. Complex tax returns: If you have K1s, foreign income, rental income and most complex tax scenarios related to sole proprietorships 
    2. Amendments: We can amend your tax return for a variety of different situations, such as if you overlooked income or forgot to claim a credit
    3. Quarterly tax preparation: We help you prepare and file your quarterly taxes for each of the deadlines 
    4. Audit protection: In the event of an audit, we’ll help you get to a resolution with the IRS, providing full representation if necessary and supporting you in abating any penalties incurred

    What’s not included?

    The premium plan covers almost everything, but there are a few exceptions worth noting. Rest assured — if we're unable to assist, we'll provide a full refund, no questions asked.

    We currently are unable to support businesses such as multi-member LLCs and partnerships, and we don't have any financial guarantees on your refund amount (e.g. if you face an audit for something you may have unintentionally missed in your reporting, we're not responsible for covering the difference).

    Other than that, you’re good to go! Remember, if we are unable to support your particular case, we'll ensure you receive a full refund.

     

    How do you sign up?

    If you didn't get a prompt to sign up for Premium during registration — send us an email at support@keepertax.com and we'll quickly assist you in getting started.

     

    How do I get help with premium services after I sign up?

    You'll receive an email with the subject "Welcome to the Premium plan!" when you sign up for the premium subscription. You can reply to the welcome email or reach out to us to connect to a tax expert for premium services.

     

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Save money on your taxes

  • We find your deductions

    This is the big one! For self-employed people, finding deductions is arguably the most important part of doing your taxes. Why? Because they help you save.

    💡 A deduction is a tax break that lowers the amount of income you can be taxed on — leading to a smaller tax bill. 

    For self-employed people, lots of business-related expenses can be deducted. We'll help you find and keep up with all of them. For example, if you’re a delivery driver, you'll be able to deduct things like gas, car insurance, maintenance, etc. If you are an independent real estate agent, you can deduct things like your business license, office space, and photography for client listings, etc.

  • How does Keeper find my deductions automatically?

    When you subscribe to Keeper, youʻre signing up for our premium expense tracking software. Youʻll link the app to your bank accounts and credit cards. That allows our software to keep up with your incoming deductions.

    Weʻll learn about your job, so we know what type of charges to look for. If you have recurring charges, we can create rules for those expenses on how they'll be automatically treated going forward. You can also create the rules yourself!

    If you file with us at the end of the year, the deductions we categorize for you will be automatically included in your tax return. (If youʻre filing somewhere else, you can request an export of all your deductions.)

  • We add recurring expenses as deductions

    We all have deductions that show up month after month, whether it is your power bill or maybe that Netflix subscription.

    Our system will have a prompt to ask if you want to make "rules" for all your recurring expenses, so we automatically mark them when they come in. This is a good kind of rule and makes keeping up with your deductions that much easier!

    Additionally, you can create rules on your own. Just open the app, access the Deductions tab, and select the 'create a rule' icon, found next to the + icon in the upper right corner. 

    Rules aren't just for your business deductions. They can be for personal expenses too. No matter the charge, we can keep up with it! Here are some types of rules we can create for you:

    • Deductions: You can ask your tax assistant to help you make rules for all those recurring deductions, like utilities, subscription services, insurance, etc. Now you wonʻt have to worry about making sure they get added each month.
    • Personal charges (not deductible): We can also make rules for personal transactions so we don’t add them each month. This is perfect for things like grocery stores, streaming services that aren’t work-related, etc. 
    • The maybeʻs: You might have an expense that qualifies as a deduction only under certain circumstances. By creating a rule for these types of expenses, we won't automatically categorize them. Instead, you can review them in the app and update them yourself based on whether they qualify as a deduction or not.

    📝 Remember, you can also create these rules yourself! For more detailed instructions on how to create rules, you can check out our Deductions tab article.

  • We can create rules

    Your tax assistant will be there to help you with creating rules, we also prompt from our end when we see multiple transactions from the same merchant. When this happens you can tap on the "create rule" button to add a rule.

    You can also set up rules yourself. Simply navigate to the app, go to the Deductions tab, and click on the 'create a rule' icon, which is located next to the + icon in the top right corner. Need a more detailed guide on how to create rules? Feel free to read more about it here.

  • A real person answers your questions

    Why waste time doing research or trying to get an appointment with a CPA when you have a tax assistant of your own to help you with any tax-related questions you may need?

    When you subscribe to Keeper, you’ll be assigned to one of our many amazing tax assistants. They’ll always be there to:

    • Double-check those tricky deductions
    • Help you add rules
    • Answer all those tough tax questions
    • And so much more!

     

    Here are some of the questions they can help you answer:

    • Does my child qualify as a dependent on my return this year?
    • Can I deduct the cost of a haircut?
    • Do you keep up with medical expenses in the app?

    Whether it’s about your tax situation or about the app, your tax assistant is there to help. Just ask away.

    Weʻre not just here to do your taxes — we want to help you understand your taxes!

    If you’re having technical difficulties or need some extra help getting that card linked up, your tax assistant can help you with that too!

    As tax assistants at Keeper, we think of ourselves as your personal tax concierge. We’re one big support team, here to help you maximize your savings and understand the complex world of taxes.

Keeper's free trial

  • What Keeper can do for you

    Youʻre thinking about giving Keeper a try, but want a little more information about what youʻre getting into.

    Good news — youʻll have a free trial to make sure you love our service!

     

    When you download Keeper, you are getting much more than a traditional bookkeeper. You’re also gaining a streamlined system for maximizing your tax breaks — not to mention a wealth of tax resources. 

    Keeper’s primary feature is our ability to track deductions every day, from all your linked bank accounts and credit cards. This helps maximize your tax breaks, but that’s just the beginning! You’ll also gain access to free resources right in the app that will help you navigate the complex world of taxes — what’s called Tax University.

    Need some more information on the type of car deductions you qualify for? Or maybe you need to know whether you can deduct that new pair of work shoes. We have an article to help you out.

    Not yet convinced? We have even more incredible features waiting for you. Upon signing up, you'll be assigned a dedicated tax assistant who can help you confirm any tricky deductions and answer all your tough tax questions. Additionally, if you decide to become one of our annual subscribers, you can use the app to file your tax return with us at no extra cost!

  • How Keeper’s free trial works

    We want to make sure youʻre happy with the job weʻre doing! You'll receive a free 7-day trial when you subscribe, so you can see just how much the app can do for you.

     

    What type of subscriptions do you offer?

    When initiating your 7-day free trial, you can opt for either a monthly or an annual subscription. After the trial period ends, the payment method you provided will be billed for the plan you selected at sign-up.

    • $20/Monthly plan: This includes all of the expense-tracking features our app has to offer. You can request an export of your deductions to use wherever you file your tax return.
    • $192/Annual plan: This includes everything in the monthly plan, plus the ability to file with us at no additional charge. This allows us to automatically lock in all your tax breaks on your return. 
    • $396/Premium plan: This includes expense-tracking, a tax assistant, tax expert prepared returns including prior year returns, complex tax returns, tax amendments, quarterly tax filings, and navigating audits. Premium subscribers have an assigned tax expert available to answer tax questions and prepare tax returns.

    When you start your free trial in the app, you will be able to look over pricing and see which option will work best for you. 

     

     

  • How to sign up for Keeper

    Convinced? Just head over to the Apple App Store or the Google Play Store to download the Keeper app. Answer a quick questionnaire, and youʻll be on your way to saving money.

    Who doesnʻt want that?

Set up your account

  • Connecting your financial accounts

    Youʻve taken the plunge and now youʻre a part of the Keeper family. Itʻs time to set up your account so you can maximize all the benefits we offer. 

    Getting your business cards connected to track your deductions is probably the most important step in setting up your account. We recommend connecting any accounts that business purchases come from. Connecting either your checking account or credit card with us is a straightforward process, and we readily accept both. 

    When you log into the app, you will see an option to connect Checking Accounts and Credit Cards right from the Settings tab > Connected financial accounts > Connect another account. Just follow the prompts and youʻll have those accounts connected in no time. 

    Have multiple accounts? No problem! You can connect as many cards or bank accounts in the app. The more cards you have linked, the more we can help you maximize your tax savings!

    Once you have successfully linked your accounts, they will appear in Settings > Linked Accounts.

    From this point, you have the option to select each account and designate its usage according to one of the following choices:

    • Used for work & personal expenses
    • Used only for work expenses
    • Used only for personal expenses
    • Remove this account

    Selecting any of these options will affect how the status of transactions from each card appears in the app.

    If you select “Used for work & personal expenses,” the app will identify which expenses are work-related (deductions) vs. which ones are personal (not deductible.) If there is ever an expense in question, it will be marked as “suggested” with a yellow light bulb outline, prompting you to correctly categorize it as a deduction or not.

    If you select “Used only for work expenses,” these expenses will appear normally with a green checkmark to the left, indicating they are being tracked as deductions.

    personal expenses.jpeg

    If you select “Used only for personal expenses,” these expenses will still be tracked; however, they will appear dimmed or faded with an 'x' to the left, indicating they are personal expenses and not deductible.

    personal expenses.jpeg

    If you do not wish to see transactions from an account that is used only for personal expenses, you should remove the account from your linked accounts. You can do this by going to Settings > Linked Accounts > (click on the account you want to remove) > Remove this account.

    Please note that If you wish to manually add expenses in the app, at least one card/account must be linked! If you do not wish to link your cards, we recommend connecting a PayPal account—an accessible and widely used option for most individuals and one that can be easily created!

  • How to add/remove an account when your bank is already linked to Keeper?

    You can remove any accounts from the app by going to the "Connected financial accounts" section under the Settings tab and tapping directly on the account you would like to unlink. If you can’t add or remove an account from our app, you may need to change your sharing preferences directly from your bank’s website. 

    First, you’ll want to log in. Then, locate where you manage connected apps and find Plaid. This is where you can add or remove Plaid's access to your bank or specific accounts that Plaid can access — including Keeper. 

  • Login Credentials

    From this important section under the Settings tab, you’ll manage all the little details that ensure your account information are accurate. Here, you can easily update your name, email address, and phone number.

    If you have any questions or concerns, please don't hesitate to contact us through the Ask tab in the app or by emailing support@keepertax.com. We'll be happy to help you out.

     Navigation: Settings -> Login Credentials

  • Your profile

    Having basic info about employment and income will help us understand what your taxes will look like. This helps build a custom profile for you, so you can make the most of all things tax-related.

    Just head over to the Settings in the Keeper app and go to "Profile". There, you can customize all the important aspects of your tax profile, like the following:

    • Your work: You can add your 1099 jobs here, so we know what type of expenses weʻre looking for. Just click "Edit" under "Freelance work details."
    • The deductions that apply to you: Do you drive for work? Do you work from home? Discuss work over meals? Travel for work? Letting us know helps us find your deductions and ask you about expenses that may apply. 
    • Business percentages: If 60% of your driving is work-related, you can only deduct 60% of your car expenses. That’s called your business-use percentage. Here’s where you select that percentage for your car, home, and phone use.
    • Income and filing status: Weʻre not being nosy, we just want to estimate your tax rate.  Put in your annual income, the state you are working in, and your tax filing status.
  • Accessing your tax returns

    When you file your tax return with us, you probably want a copy to hang on to. (You may need it if you apply for a loan or go apartment shopping.)

    After submitting your return, head over to the "File Taxes" tab in the app to request a copy. Itʻll be sent to the email address we have on file for you.

    Still working on your return and want to look over a working copy? Just email support@keepertax.com, and weʻll get one to you.

  • Exporting your deductions

    We'll consistently track your expenses throughout the year, ensuring they're available instantly. This file has a detailed overview of your deductions, such as your expenses total, making them easily integrable into your tax return.

    Below is a sample of what your export copy looks like.

     

    Screenshot of a 1099 expenses template on Google Sheets

     

    If you need a template like this one to track your expenses, you can download a free copy here.

    To export a copy of your deductions, start by logging into your account through the Keeper website. Once logged in, navigate to the 'Deductions' section. Next, choose the tax year for which you want to export expenses, then click on 'More' at the top-right corner of the screen to initiate the export process.

    The email containing your exported data will have the subject line 'Your export is ready!' If you do not see it, please be sure to check your spam or junk folder. Kindly note that the link to download your export copy expires after 7 days. If the link expires, you can just email yourself a new one!

     

Get help

  • Questions that may be on your mind

    Below, you'll find a variety of common scenarios and frequently asked questions you may encounter while you're getting familiar with the Keeper app.

    Question

    Answer

    What is Keeper?

    Keeper is a tax filing software that connects to your bank to automatically personalize your experience and uncover tax breaks. We help independent contractors and freelancers discover deductions and file taxes.

    By linking your accounts, our bookkeeping app lets us track and categorize your business expenses as they happen throughout the year — creating a list of business expenses that will save you time and money when you file!

    You can interact with a dedicated tax assistant using in-app messaging or texts. They’ll do a daily review of all the deductions the app picks up for you. You also have the option to review and categorize the deductions yourself!

    Can Keep​​er track my income? 

    We do not track income. We focus on tracking business expenses.

    How do I update my payment method?

    To update your billing information, log in to the Keeper app and go to the “Settings” tab located at the bottom right-hand corner of the screen. Scroll down to find and select “Manage Subscription”, then choose “Edit Payment Method.” From there, you can update your current payment details.

    Can I include deductions on my quarterly taxes?

    Deductions are calculated at the end of the year and aren’t included in your quarterly estimated taxes. It’s actually better to overestimate when paying your quarterly taxes. If you overpay throughout the year, the IRS will issue the difference as a refund at the end of the year.

    I have multiple LLCs, how do I separate these within the app?

    If your LLCs are single-member LLCs, the IRS considers you to be one entity for tax filing. This means that you can track all of your business expenses together! If you choose to file with Keeper, we’ll intelligently allocate your expenses by income source at tax time, but this makes no real difference on your return.

    Can I use my tax refund to pay for my subscription?

    You will need to purchase your subscription with us before you file your tax return. We review every return with a real Tax Expert, so we need to charge for the subscription before we send it to the IRS.

    How can I scan receipts into the app?

    While we don’t have a feature to scan receipts in the app, you can manually add expenses at any time by tapping the “+” in the top right-hand corner of the home page.

    Can I deduct the income I pay to myself?

    Unfortunately, paying yourself is not considered a deduction so we won’t track it here in the app.

    How can I update my filing status in the app?

     

    You can always update your filing status and other personal information right from the Settings > Profile section in the app. This will ensure the best estimate while you’re tracking your expenses throughout the year. If you are currently working on your return in the app and need to update your filing status, just head over to the “Household Details” section and you can add or remove a spouse and dependents.

     

    Does Keeper track mileage?

    Keeper doesn’t track mileage if you drive a car for work, but we’ll automatically keep track of your car expenses — things like gas, car maintenance, etc. In some cases, this is actually a better deal for you at tax time!

    If you file your taxes with Keeper we will help you choose between claiming actual expenses or the standard mileage deduction.

    How much does Keeper cost?

    We offer a variety of subscription options that work for you and you can always manage your plan right from the “Manage Subscription” settings in the app. We currently offer a monthly plan that includes access to all of the features in the app except tax filing for $20/month, or we have an annual plan that offers access to the same great features and includes tax filing at no extra charge for $192/year. Finally, if you have more complex tax situations, be sure to ask us about our Premium Plan designed for more hands-on help from a tax expert.

    Can I pay in installments for the annual subscription?

    We are not currently offering any installment plans for our annual subscription. We do have a monthly subscription of $20 per month but that does not include tax filing.

    How do I log into the Keeper app?

    Press “Get started” and enter the same phone number or email address you used when creating your account. Keeper doesn't use passwords.

    We will send you a 4-digit security code to your phone number or email address instead to confirm your sign-in.

    Kindly note that if you enter a different number than what you used previously, this may create an additional subscription, which may cause you to be charged extra.

     I already filed my personal return, can you help me file my business return?

    The IRS considers you and your LLC/sole proprietorship to be one entity for tax filing. This means that you’ll need to file an amended return to include your business income and expenses. If you’d like to file an amended return, Keeper can provide free resources that can help you with the process. We also have a premium subscription that includes filing amended returns. If you’d like more information about that, just let me know!

    How do I include my LLCs information on my tax return?

    The IRS considers you and your LLC/sole proprietorship to be one entity for tax filing. We’ll use your social security number for filing your income taxes. You can enter the income you received from your LLC in the income section of your return. You can add your LLCs expenses as deductions within the app!

    I have foreign income, how do I include this when I file taxes?

    Keeper doesn’t currently support in-app filing for foreign income. However, Keeper has a premium subscription for $396 annually which does include filing for foreign income! With a premium subscription, you’ll be connected to a tax professional who will assist you directly with filing your foreign income.

    How do I file my taxes with Keeper?

    You can get started with filing your taxes with Keeper by accessing the File Taxes tab in the Keeper app or logging in at keepertax.com

    How do I update my vehicle business usage, home office, etc. percentage?

    You can edit your vehicle, home office, and phone business usage percentage from the Settings > Profile section in the app.

    My refund says deposited in the Keeper app but I haven’t received it.

    The refund status indicator in the Keeper app is based on a 21-day estimate. The most up-to-date information can be found at irs.gov/refunds The IRS processes most returns within 21 days, but some returns take up to 90 days for the IRS to process. Continue checking your status at irs.gov/refund and call the IRS if there is no update within 90 days of filing.

    Do I need to keep receipts?

    The Keeper app helps you track your expenses and provides a summary of your transactions. While it's a useful tool for maintaining records, it's not a replacement for actual receipts. The IRS may require original receipts for certain tax-related matters, however, bank statements with expenses clearly marked may suffice as well. This doesn't mean the app isn't sufficient, but rather, it serves a different purpose — to help you organize and keep track of your expenses.

    Can you file my S-Corp taxes?

    Keeper doesn’t currently support filing S-Corp tax returns, but with our premium subscription, we can include shareholder income from a S-Corp, usually reported on a K1 form.

    Where do I enter my medical expenses?

    Medical expenses are typically considered personal expenses, and they aren’t something we track here in the app. Instead, you will be asked about that when you file your return with us. 

    You have the option of itemizing your deductions or using the federal standard deduction amount. Itemized deductions include premiums for health insurance, medical and dental bills, mortgage interest paid, and charitable donations. If the total amount you paid for these items equals less than the standard deduction amount, then we recommend you use the standard deduction amount, as this will be most beneficial to you.

    It is saying my income is lower than my deductions.

    You can check the total amount of your deductions by tapping on the Estimated Savings amount in the app or by exporting your deductions. You can then compare this to the total amount of income you entered under Freelance Income. If some deductions category totals seem high, you can review those deduction categories from the Deductions tab and remove any invalid business expenses. If your deductions are valid, you can bypass the warning in the app and proceed with submitting your information for review.

    It says my vehicle expenses or mileage is too high.

    You can review the Credits and Deductions > Vehicle Expenses section in the tax filing menu to ensure you’ve entered your mileage correctly. You can also review the deduction categories on the Deductions tab that are related to your vehicle expenses. If your mileage and deductions are accurate, you can bypass the warning and submit your return for review.

    Can you tell me more about the premium plan?

    Our premium subscription covers preparing complex tax returns, tax amendments, quarterly tax filings, and navigating audits. Premium subscribers have an assigned tax expert available to answer tax questions and prepare tax returns, including returns with complex tax scenarios such as rental income, S-Corp shareholder income, and more. It costs $396 which is still cheaper than going to an accountant.

    I need an export of my expenses.

    If you need to export the expenses you've tracked, please log in to your account on the Keeper website. Navigate to the 'Deductions' tab, select the year you want to export expenses from, and click on 'More' located in the top-right corner of the Deductions page. An export copy will be sent to the email address associated with your account.

    If you haven't received the requested export, please check your spam or junk folder. Next, verify the email address registered in the app under Settings > Login credentials, ensuring you're checking the correct inbox. You can also update your email address and request a new export. If these steps don't resolve the issue, please contact us for further assistance.

    I need a letter from my tax preparer or a CPA.

    Our premium subscription includes access to a dedicated tax expert who can provide a letter from a CPA about your tax return or your projected income and expenses. 

    I thought Keeper tax was free? I’ve had Keeper tax for a while and now all of a sudden it’s asking me to pay an annual fee.

    Keeper does offer a free version that is limited to linking your bank accounts and has limited expense-tracking abilities. To have access to the full app, including the tax deduction summary export file, you will need a paid monthly or annual subscription. 
     
    We offer a monthly plan for $20/mo which includes expense discovery and tracking, as well as access to a tax deduction summary file and a personal bookkeeper. You can view subscription options in the app and start a 7-day free trial. 

    Looking for a receipt app that will allow me to scan an entire receipt, but I need an app that can allow me to pick and choose items on each receipt that will be for just business.

    If you have a receipt and you're not looking to add the entire expense you can manually add charges at any time by tapping the "+" in the top right-hand corner of the app. Additionally, you can always let your keeper in the app if they need to update the amount of one of your charges and they'll be happy to help. 

     

    Furthermore, by linking your bank to the app we can scan your purchases and ask if they are business-related. Under the All transactions section:

    Tapping on any expense in the "Deductions" tab opens up a list of tools to help you micro-manage the transactions that are added to your list of deductions.

    You can tap on a specific purchase to:

    Edit the amount spent
    Edit the deduction category
    Mark the purchase as a deduction
    Remove it from your deductions

    Can I deduct charitable donations?

    We don't track charitable expenses in the app since they aren't business expenses, but we will ask you about your charitable contributions when you file your return with Keeper.

    How do I cancel?

    You can cancel your subscription from the Settings > Manage Subscription section in the app. 

    Can I deduct the purchase of a $3000 computer for my business with Keeper?

    It depends on the business-usage percentage of the computer - generally cost for equipment over $2500 must be depreciated instead of added as a deduction to your business expenses.

    I received a 1099K and 1099 NEC from Uber how do I enter this? I think the 1099 NEC amount is included in the 1099K amount

    If you received both a 1099-K and 1099-NEC from Uber, you should enter both under the Freelance income section. While entering your 1099-K, make sure to include your expenses as well. If you believe the 1099-NEC amount is included in the 1099-K amount, you might want to double-check your records or reach out to Uber for clarification.

    When filing your Uber taxes, we'll help you choose between the actual expense method and the standard mileage method ensuring you receive the greatest possible return.

    I need help linking my Uber Pro card. It says I’m entering the wrong number every time I try to verify. 

    Uber Pro Card has a unique login flow which could be the issue. The login flow is this:

    1. Enter your phone number
    2. Enter the OTP code sent to your phone number
    3. Enter your Passcode, which is a PIN code that you set up in your app

    What we've seen happening is that users enter the OTP code a 2nd time which you should be entering the Passcode. If you don't know what your Passcode is, here's instructions on resetting it here:


    https://support.branchapp.com/hc/en-us/articles/360045621272-How-do-I-Reset-my-Passcode-

    Is there a restriction on the number of devices I can use to access my Keeper account?

    Currently, there is no limit. Simply log in to your account using the phone number or email address linked to your Keeper account. We'll send you a 4-digit security code via text or email to verify your sign-in. Enter this code on the device you wish to use to access your Keeper account.

    The PDF you sent to sign my return is blank or there's no where to sign. 

    1. Ensure your browser or PDF viewer is up to date, as outdated software can sometimes cause issues with viewing documents.

    2. Try downloading the form using a different browser or device to see if the issue persists. 

    I have my capital one card linked but it’s not displaying transactions

    While our system can track up to 18 months of transaction data, it is still dependent on your bank on how far they allow us to see past purchases. Some banks only allow a few months. 

    Unfortunately, Capital One only allows us to view the past 90 days of transactions, so if you have deductions past that timeframe that you haven't already selected, you'll need to add those manually by using the + symbol on the Deductions tab.

     

     

  • Linking issues: troubleshooting guide

    Here, we list some common issues you may encounter while linking your bank account or card and how to troubleshoot them. There are times when your account will unlink from the app. This usually happens because your financial institution’s system updates or simply because of a password change.

    The account has unlinked

    When your account unlinks from the app, we will send you a text or notification letting you know to relink it. You can relink it from the app's Settings tab under the 'Connected financial accounts' section or by clicking on this link. If this doesn’t fix the issue, kindly remove the account from the app and relink it from scratch.

    You can remove an account by tapping on that account in the Connected financial accounts section. If your account has sub-accounts, you will need to remove those first.

     

    Your bank is not on the list when you try to link your account

    Our partner, Plaid, is responsible for connecting cards. When you link an account or card, you are shown a list of possible links. If the bank or card isn't showing up, Plaid doesn't support it yet.

    You should check back often for updates on supported banks, as Plaid constantly adds new supported institutions. In the meantime, you can manually add the business expenses from that account or card by selecting the + symbol in the Deductions tab.

    How to add/remove a sub-account when your bank is already linked to Keeper

    If you aren't able to select which sub-accounts you'd like to link during the initial account-linking process, then you will need to link all the sub-accounts connected to your account, and then you'll be able to remove the accounts you don't want to track by selecting the account from the Settings tab -> 'Connected financial accounts' section in the app and selecting Remove.

    If that doesn't work, you may need to change your sharing preferences directly from your bank’s website.

    First, you’ll want to log in to your bank's online portal. Then, locate where you manage connected apps and find Plaid. This is where you can add or remove specific accounts that Plaid can access — including Keeper.

    Your bank account is linked, but your expenses keep loading or are not showing up

    If this happens, first, make sure your account is not linked twice. If it is not, please try removing the account and then re-adding the account in the Keeper app. You may also try uninstalling and reinstalling the app. Also, be sure your phone is updated to the latest software version. Lastly, choose a date for the system to scan your expenses under Settings -> Profile -> I started recently.

    I tried to link my account, but it says something went wrong after I entered the code to verify

    If you get an error, please reach out so we can take a look to further assist you.

     

    📝 Note: If you have two or more Keeper accounts, be aware that linking the same card to more than one account will result in the card being unlinked from both accounts. Always ensure that you log in with the original phone number or email address you used during the initial sign-up to avoid creating duplicate accounts.

  • How to delete my account?

    To delete your account, go to the Settings tab of the app and select 'Manage Subscription.' From there, if you scroll all the way down, you'll see an option to delete your account.

    Please note that this action will unlink all associated bank connections, and all stored data in your account will be permanently deleted, with the exception of your tax filing data. This specific information must be retained for three years to comply with federal regulations.

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  • Learn about taxes in Tax University

    Now that you've set up your Keeper account and know your way around the app, you may be asking yourself questions like:

    • What a 1099 tax bill is
    • If you qualify for the home office deduction
    • How exactly do quarterly taxes work

    Head on over to Tax University, where you can learn all about 1099 taxes! We create resources for anyone who should be dealing with taxes as a self-employed person, and setting you up to handle everything from business deductions to tax filing!

  • Something looks wrong: What do I do?

    If something looks wrong, or you're having a problem with Keeper, you can send an email to support@keepertax.com or text your tax assistant. Our support team will be happy to help!

  • Have feedback?

    Whether you're a novice or have been using Keeper for years, we’d love to hear your feedback and suggestions! Send us a note over at support@keepertax.com.

     

In the app

  • Deductions tab

    The Keeper app is a feature-rich environment designed to help you manage your business expenses and file your taxes! Below is a roadmap to help you navigate every tab and feature available in the app.  

    You'll see the "Deductions" tab once you log in to the app. Much of your experience with Keeper will be focused on this page.

    Year

    With the touch of a button, you can jump back and forth between your deductions for this year and from the previous year.

    Keep in mind that we only support tracking deductions for the current year and the previous year at this time. 

    Navigation: Deductions tab 

     

    Manually adding an expense

    The "+" icon in the top right corner is where you can manually add a business expense. 

    All you need is:

    • The name of the purchase
    • Amount spent 
    • Category 
    • Date 

    You can also attach a photo of your receipt if you prefer.

    Don't forget to hit 'Save' so the expense gets added to your deduction spreadsheet! 

    Navigation: Deductions tab -> Plus sign

     

    Deleting a manually-added expense

    If you need to remove a manually added expense, navigate to the Deductions tab, locate the expense you want to delete, and then tap on 'Delete' at the bottom of the page.

    Navigation: Deductions tab -> select manually added expense -> Delete

     

    Create a rule

    The 'create a rule' icon in the top right corner next to the '+' is where you can manually create a rule for your recurring expenses. 

    This will bring a pop-up window where you can create rules. If you already created a rule, you'll see that rule listed on this page.

    Navigation: Deductions -> Create a rule icon

    When creating a rule, all you need to enter are: 

    • Merchant name 
    • Expense status
    • Category

    Navigation: Deductions -> Create a rule icon

     

    Estimated tax savings 

    The amount you see is an estimate of the money you'll get back from the government at tax time, either as a tax refund or a bill reduction.

    Keeper does the math so you don't have to. For those who want to know, the value is determined by multiplying your tax rate by the dollar value of your total tax deductions.

    Don't worry, there won't be a test.

    Navigation: Deductions -> Estimated Tax savings

     

    View business expenses by category 

    When you tap on your estimated tax savings amount, a pop-up window will appear with a breakdown of your total deductions X your tax rate and your total estimated tax savings.

    This is where you'll also see a list of all your business expenses per category. And where you can view, manage, and edit them. 

    By tapping on the chevron symbol in a specific category, you’ll see all the added deductions.

    Reviewing these sections is a great way to stay organized and ensure all your deductions are tracked.

    Navigation: Deductions -> Estimated tax savings

     

    Search expenses by name

    The magnifying glass icon 🔍 will let you search your transactions by name. (e.g. Amazon)

    Navigation: Deductions -> Magnifying glass

     

    Sorting Expenses

    Below estimated tax savings, you can see a list of all your expenses that you can filter by:

    • Status
    • Category
    • Account
    • Amount
    • Most recent or highest amount

    Navigation: Deductions

     

    Filter by transaction status

    If you tap on Status, you’ll be able to filter your transactions by:

    • Deductions
    • Not deductible
    • Ask Me

    Navigation: Deductions -> Status

     

    Ask Me/Suggested Expense Category

    Under Ask Me/Suggested, you'll see a list of business expenses for you to go through if there are expenses that haven't been categorized. With a tap of a button, you can mark each expense as either a deduction or not.

    Checking this area of the app frequently to correctly mark each expense is a great habit to develop.

    More deductions equal more tax savings!
    Navigation: Deductions -> Status -> Ask Me

     

     "Ask" Feature

    Not sure whether an expense can be deducted? Don't worry; we got you covered!

    You'll notice that your uncategorized or unreviewed expenses (transactions with a 💡 icon) have an "Ask" option under them. This feature allows you to instantly ask if that specific expense can be deducted. Simply tap on that button and it will take you to the "Ask" tab where our AI Assistant answers your question in seconds! Moreover, if the AI assistant determines that a human response is needed, it will alert one of our staff members to provide an answer instead.

    Navigation: Deductions -> Select the uncategorized expense -> Ask

     

    Editing an expense 

    Tapping on any expense in the "Deductions" tab opens up a list of tools to help you micro-manage the transactions that are added to your list of deductions. 

    You can tap on a specific purchase to:

    • View the rule
    • Add receipt photo
    • Add a note
    • Edit the amount spent
    • Edit the category
    • Mark the purchase as a deduction
    • Remove it from your deductions

    You'll also see other details such as the amount spent, your current tax rate, your tax savings for that specific expense, and the account it's coming from.
    Navigation: Deductions -> Select an expense

    Add a receipt photo

    In the Deductions tab, you can easily attach a photo of your receipt by tapping on an expense and selecting "Add receipt photo."

    Navigation: Deduction -> Select expense > Add receipt photo (optional)

    Add a note

    You can also add a note to your expenses. This is helpful if you'd like to add extra documentation for your transactions, especially business meals, such as who you're with or what the meeting was about.
    Navigation: Deductions -> Select an expense > Note (optional)

     

    Bulk edit 

    The bulk edit feature allows you to make changes for multiple transactions at once. Simply press an expense and hold it for a few seconds until you see the multi-edit mode. You can then select the expenses you'd like to edit.

    Navigation: Deductions tab -> Press and hold an expense

    After selecting the expenses, tap on 'Edit.' This will pull up a screen where you can bulk change the expenses by the following:

    • Split amounts
    • Add a note
    • Change expense categories
    • Mark as tax deductions
    • Mark as personal

    Split amounts allows you to change the business-use percentage of the transactions you have selected.

    Add a note lets you add the same note for all expenses selected.

    Mark as tax deductions will add the expenses to your deductions, and

    Mark as personal lets you mark the expenses as personal.

    Navigation: Deductions -> Press and hold an expense -> Edit

    By selecting change expense categories, you can edit the category of the expenses with just one tap. Here, you can see all the categories you can choose from. Kindly note that you can only select one category for all the expenses you have selected.

    Navigation: Deductions tab -> Press and hold an expense -> Edit -> Change expense categories

  • File Taxes tab

    The “File Taxes” tab is your personalized gateway to filing taxes with Keeper. You can get started with the touch of a button. The process is completely automated, easy to follow, and fast, so there's no need to be a tax expert.

    The filing flow will walk you through the process of uploading your forms and documentation. After that, our team of tax assistants does the heavy lifting so you don't have to.

     

    File Taxes Interface

    When you first go into the file taxes interface, you can enter the filing flow to start your taxes, track your progress, pause, and go back later if necessary. As an annual subscriber, you can access our tax filing flow at no additional cost and enjoy the benefits:

    • Easy form upload
    • Max refund
    • 100% accuracy
    • Professional prep 

    Rest assured, filing with us is quick and straightforward. Before your tax return is sent to the IRS, it will be professionally reviewed by a tax expert.

    And don’t worry, your tax return won’t be submitted until you have reviewed and confirmed your intent to file. You can go back to edit your information or ask questions if needed!

    Navigation: File Taxes -> Continue Filing

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    Estimate my refund

    Curious about your potential tax refund? Get a quick estimate by tapping 'Estimate my refund' to calculate your refund in seconds!

    📝 Keep in mind that while the calculator provides a rough estimate of your potential tax bill or refund, it does not account for other sources of income, credits, and deductions during the filing process. Therefore, it serves as a helpful guide rather than a precise calculation. Your actual tax bill or refund amount may vary after submitting your return for review.

    Navigation: File Taxes -> Estimate my refund

     

    Discover the benefits of filing with Keeper

    Explore some of the benefits of filing with us!

    1. Seamless form upload

    With our drag-and-drop feature, filing your taxes is as simple as uploading your tax forms, and Keeper will handle the rest.

     

    2. Reviewed and signed by a tax professional

    Your return is meticulously reviewed by a tax professional, ensuring accuracy and giving you the confidence to file.

     

    3. Tax experts on standby

    Our tax experts are available around the clock to provide advice at no additional cost. Just visit the 'Ask' tab for any questions or assistance you may need.

     

    Find answers to common tax filing questions

    Scrolling down to the bottom of the File Taxes interface, you'll discover answers to frequently asked questions that our customers often encounter while filing their taxes.

    Navigation: File Taxes -> Frequently asked questions

     

    Share your feedback

    You can provide feedback on Keeper at the bottom of the File Taxes page.

    Navigation: File Taxes -> How are you liking Keeper?

     

    Navigation

    When you first start your tax return, we'll ask who you’re filing for: yourself, your spouse, or dependent(s). Following that, you'll begin the filing process, which involves three key stages:

    • Drop off forms
    • Questionnaire 
    • Tax pro review

    We'll delve into each of these stages in greater detail later on.

     

    To access the tax filing navigation, tap on the button with the three lines at the bottom left corner of your screen.

    Navigation: File Taxes -> Three Lines in Left Corner

     

    Under navigation, you'll see the following:

    File taxes

    Selecting this will guide you through the filing process. If you've already begun, it will take you directly to your current progress.

    Navigation: File Taxes -> Three Lines in Left Corner -> File Taxes

    Past returns

    Any returns you filed with us are shown here. You can also request a copy to be emailed to you.

    Navigation: File Taxes -> Three Lines in Left Corner -> Past Returns

    File on your computer

    Provides instructions on how to log in to your account on the Keeper website.

    Navigation: File Taxes -> Three Lines in Left Corner -> File on your computer

    Exit tax filing

    Takes you back to the interface of the “File Taxes” screen.

    Navigation: File Taxes -> Three Lines in Left Corner -> Exit tax filing

     

    Tax Assistant Chat Box

    You can also access our AI Assistant chat box if you have any questions while going through the filing flow. Simply tap on the chat box icon at the bottom of your screen.

    Our AI assistant is powered by the collective intelligence of Keeper accountants and tens of thousands of previously filed tax returns, which can help you easily get through the filing process.

    💡 Tip: For additional assistance, feel free to contact your human tax assistant through the Ask tab. Simply request a staff member to assist you.

    Navigation: File Taxes -> Chat box icon

     

    Navigating the Tax Filing Process

    Let's now explore the various sections of the filing process!

    1. Drop off forms

    You can upload any tax forms or tax documents right here. You can drag and drop, upload a photo, or choose a file to include your tax forms.

    Navigation: File Taxes -> Drop off forms

     

    Moreover, if you prefer to input your tax form details manually, you can easily do so by selecting Enter manually. This option directs you to a page where you can choose the specific tax form you wish to enter manually.

    Navigation: File Taxes -> Drop off forms -> Enter manually

     

    2. Questionnaire

    In the second stage of the filing process, we gather additional information from the forms you've uploaded to complete your tax return.

    Navigation: File Taxes -> Questionnaire

    Review forms

    In this step, we'll verify if you've uploaded all your tax forms. If you confirm, we'll then ask you to review each form to ensure all the information is correct.

    Navigation: File Taxes -> Questionnaire -> Review forms

     

    Follow-up questions

    Next, we'll inquire if any of the uncommon situations listed apply to you. If you respond with 'no,' you can move forward to entering your personal details and begin filing.

    • Received rental property income
    • Received income from a foreign country
    • Owned an S-corp
    • Were a nonresident alien

    Navigation: File Taxes -> Questionnaire -> Follow-up questions

     

    In the following section, you can input your personal information, including your home address, marital status, and details about your spouse and dependents, if applicable.

    Navigation: File Taxes -> Questionnaire -> Follow-up questions

     

    Once you've entered your personal information, you'll be prompted with a series of questions tailored to your tax situation. Please answer them as accurately as possible. If you have any queries or find any part unclear, feel free to contact your tax assistant via the Ask tab. We're here to assist you every step of the way!

     

    The final step of the Questionnaire stage is to input your Identity Protection PIN if you, your spouse, or dependent(s) received one from the IRS. You must enter an IP PIN if you received one from the IRS to proceed with filing successfully. 

    Navigation: File Taxes -> Questionnaire -> Follow-up questions

     

    3. Tax pro review

    The final stage of the filing process involves reviewing all the details you've entered. Once you've completed answering all the questions, you'll land on a summary page that neatly organizes the information you've provided. Each section in your tax filing summary is interactive, allowing you to easily make any adjustments if necessary.

    During this stage, you also have the option to include any additional income, credits, or deductions by simply clicking on the sections marked with a + sign.

    Navigation: File Taxes -> Tax pro review

     

    If everything appears accurate, you can proceed to submit your return for review by selecting Tax Pro Review. Our dedicated team of tax experts will then meticulously review your filing to ensure its accuracy. After the review process is complete, you will be able to view your finalized tax calculations indicating your tax bill and/or refund for federal and state.

     

    After submitting for review

    1. Review process 

    We'll review your tax return to ensure completeness and will notify you once your review is finished. Before submitting to the IRS, you'll be able to review your return and finalized tax calculations indicating your tax bill and/or refund for federal and state directly in your web dashboard. 

    Remember, we won't submit your return without your approval! 

     

    After we've completed the review of your return, we'll notify you if there are any issues that require your attention. If everything is in order, you'll find your tax bill or refund details on the next screen. 

     

    2. Tax return summary

    On this page, you'll see your finalized tax bill or refund amounts, as well as a summary of your tax filing information. 

    Tax bill amounts are displayed in red, while refund amounts appear in green. You also have the option to edit your return by selecting 'Unlock to make edits.' 

    At the bottom of the page, you can email yourself a draft copy of your return. We recommend thoroughly reviewing your return to ensure accuracy before proceeding to the next section to submit it for filing.

    📝 Please note that you will only see your finalized tax bill/refund details in the File Taxes section after submitting your return for review.

     

    3. Selecting your payment method

    Once you've confirmed your tax bill or refund details, simply click 'Next' to proceed to selecting a payment method. This choice will be utilized for either paying your taxes or depositing your refund if you're entitled to one.

    You have the option to add a bank account or choose the 'pay later' option.

    Select a payment method .jpeg

     

    If you choose 'Add a bank account,' you can either select from the accounts already linked to the app or manually enter your bank account information.

    Select a bank account .jpeg

     

    Opting to 'pay later' allows you to set up a payment plan with the IRS, giving you more time to pay your taxes. However, if you're anticipating a refund from either the IRS or your state, selecting this option means they will mail you a check to the home address you provided on your return.

    Pay later .jpeg

     

    4. Sign your return 

    After selecting your payment method, we'll ask if you'd like a copy of your return emailed to you. It's important to carefully review your tax return before signing.

    On the following screen, you'll be able to sign your return.

    Sign your Return .jpeg

     

    Once you've signed, you'll see another overview of your finalized tax bill or refund with a breakdown of your tax information. 

    At the bottom of this page, confirm your intent to file by clicking on the Send to IRS button.

    📝 Important Note: Once you send your return to the IRS, you won't be able to make any further changes to your return.

    Congrats Your finalized Tax Bill .jpeg

     

    Congratulations! Your return will be transmitted to the IRS.

    Now, sit back and relax. You'll receive a confirmation once the IRS accepts your return.

    If, for any reason, the IRS rejects your return, don't worry. We'll promptly notify you and provide details on why it was rejected and how to correct the error.

    Remember, if you have any questions or concerns, feel free to contact your human tax assistant through the 'Ask' tab by requesting assistance from a staff member.  We're here to help!

     

    Want to know more? See our Filing with Keeper article for more useful tips. 

    Have you already submitted your e-filed tax return to the IRS through the File Taxes tab? See our Tax Returns with Keeper article for more information on what comes next. 

  • Ask tab

    The Ask tab is where you can ask us questions you have about your business deductions, tax return, membership, how to use the app, or anything in between. And as your tax assistant, you'll get an answer from us directly.

    Did we mention, that this feature is completely free? And you can message us anytime in-app!

     

    image (5).png

     

    Navigation: Ask -> Type message here

     

  • Settings tab

    The "Settings" tab is a central hub for managing various aspects of your Keeper account. Here, you can access and update your Profile & Preferences, including personal information like your email address and phone number.

    The tab also allows you to connect and manage your financial accounts, ensuring all relevant information is up-to-date. Additionally, you can customize your Notification settings, review your Past returns, and access your Account & Subscription details to manage your subscription preferences.

    Moreover, the "Settings" tab offers secure account management options. You can update your Login credentials, use the Refer a friend feature, and access educational resources through Tax University.

     

     

     

    Profile & Preferences

    Connected financial accounts

    Simply tap on "Connected financial accounts" in the Settings tab to link your bank accounts or cards. Once you link your account(s), our system will begin finding potential deductions.

    Navigation: Settings -> Connected financial accounts

    You can even control whether or not a specific account is used for work, personal, or both. You can remove an account from here, too.

    Navigation: Settings -> Connected financial accounts -> Select an account -> Remove this account

    We partner with Plaid to connect your accounts. By connecting through Plaid we do not have access to your personal information.

    We're only able to see purchases from your linked accounts. And that's to find deductions that put more savings in your pocket.

     

    Profile

    Household details

    In this section, you can set your Tax filing status, State, Expected 1099 income (annual),  and W-2 (employee) income. 

    Navigation: Settings -> Profile

    Freelance work details

    This is where you can edit the type of work you do. Don't worry if you can't find an exact match. Just give it your best shot and choose the option that closely aligns with what you do.

    Navigation: Settings -> Profile

    Details about your work

    Keeper uses this information to help calculate your savings, and to predict which expenses qualify as a deduction. 

    Navigation: Settings -> Profile

    In this section, you can adjust the slider buttons to the value that best represents the percentage of time your vehicle, phone, home, and/or public transportation is used for 1099 work.

    For example, if you drive six hours each week, and three hours is for work, adjust the slider to 50%. These values can be changed at any time.

    Navigation: Settings -> Profile

     

    Notification settings

    Here, you can adjust your notification preferences to:

    • App notifications
    • SMS text messages
    • Don't notify me

    Navigation: Settings -> Notification settings

     

    Past returns

    You can easily access the tax forms and returns you filed with Keeper from here. You can also access the "File Taxes" tab navigation by tapping on the hamburger icon in the bottom left corner.
    Navigation: Settings -> Past Returns

     

    Account & Subscription

    Refer a friend

    Support others in their tax-saving journey by referring them to Keeper. Simply share your referral link from this section.

    Navigation: Settings -> Refer a friend

     

    Login credentials

    In this section, you can update your:

    • First and last name
    • Email address
    • Phone number

    Navigation: Settings -> Login credentials

     

    Manage subscription

    This is where you can view and manage your membership plan.

    • Edit subscription 
    • Edit payment method 
    • Cancel subscription renewal

    📝 When you cancel the renewal of your subscription, you are effectively unsubscribing / deactivating your account. You will not incur any charges moving forward unless you decide to resubscribe.

    Navigation: Settings -> Manage subscription

    Towards the bottom of the 'Manage subscription' page, you'll find an option to permanently delete your Keeper account. Please note that choosing this option will unlink all connected bank accounts and erase all data stored in your account, with the exception of your tax filing information. To comply with federal regulations, tax filing data must be retained for three years.

    Navigation: Settings -> Manage subscription -> Delete account and all data

     

    Tax University

    Our Tax University can be accessed from here where you can learn about all things taxes without the jargon.

    Anything from the home office deduction, LLCs, and even advertising deductions.

    Navigation: Settings -> Tax University

     

    Log out

    To sign out of your Keeper account, scroll to the bottom of the Settings tab and select the "log out" button. This will safely log you out of your account.

    Navigation: Settings > Log out

     

     

Web dashboard

  • Deductions

    Within the desktop version, the Deductions section allows you to view and manage your expenses, although the functionality is limited compared to the Keeper app. It's nothing to worry about, our team is always working on updating and adding new features so you can have the best experience possible!

    Let's take a look at each of the features currently available in the web dashboard below.

     

    Year

    When you click on the year, you can toggle between your deductions for this year and the previous year.

    📝 Please keep in mind that we currently only support the current year and the previous year.

    Navigation: Deductions -> Year

     

    Search expenses by name

    This section will let you search your transactions by merchant's name. (e.g. Netflix)

    Navigation: Deductions -> Magnifying glass

     

    Manually adding an expense

    The "+" icon in the top right corner is where you can manually add a business expense.

    Navigation: Deductions -> Add expense

    All you need is:

    • The name of the purchase
    • Date
    • Amount spent
    • Category

    Don't forget to hit Save so it gets added to your deductions.

    Navigation: Deductions -> Add expense

     

    Export your deductions

    Within the web dashboard, you can export a spreadsheet of your deductions by clicking on 'More' next to the 'Add expense' button in the top-right corner. Make sure you select the correct year under the Deductions tab before exporting.

    Navigation: Deductions -> More -> click on 'Export'

    Link another account

    Additionally, you can link another bank account or card by selecting "More." Just click on "Link another account," and you'll be instantly directed to the Settings tab of your dashboard to complete the process.

    Navigation: Deductions -> More -> click on 'Link another account'

     

    Estimated tax savings

    The amount you see here is an estimate of the money you'll get back from the government at tax time, either as a tax refund or a bill reduction.

    Keeper does the math so you don't have to. For those who want to know, the value is determined by multiplying your tax rate by the dollar value of your total tax deductions.

    📝 The tax rate used to compute your estimated tax savings is based on the income and personal details you've provided in your tax profile. You can always update your tax profile within the Settings tab of the app.

    Navigation: Deductions -> Estimated Tax Savings

     

    Deductions Overview by Category

    If you click on Estimated Tax Savings, a pop-up window will appear with a breakdown of your total deductions X your tax rate and your total estimated tax savings.

    This is where you'll also see a list of all your deductions per category. And where you can view, manage, and edit them.

    By tapping on the category, you’ll see all the added expenses for that category.

    Reviewing these sections is a great way to stay organized and ensure all your expenses are tracked!

    Navigation: Deductions -> Estimated Tax Savings

     

    Sorting Expenses

    Below estimated tax savings, you can see a list of all your expenses that you can filter by:

    • Date
    • Merchant
    • Account
    • Status
    • Category
    • Amount

    Navigation: Deductions

     

    Filter by transaction status

    If you tap on Status, you’ll be able to filter your transactions by:

    • Suggested
    • Deductions
    • Not deductible

    Navigation: Deductions -> Status

    Under "Suggested," you'll find a list of expenses that need categorizing. You can mark each expense as either a "deduction" or "not deductible."

    Checking this section frequently to correctly mark each expense is a great habit to develop.

    More deductions equal more tax savings!

    Navigation: Deductions -> Status -> Suggested

     

    Editing an Expense

    Selecting an expense in the "Deductions" tab opens up a list of tools to help you micro-manage the transactions that are added to your list of deductions.

    You can click on a specific purchase to:

    • Mark the purchase as a deduction or not deductible
    • Edit the expense category
    • Adjust the business-use percentage for that particular expense

    You can also add a note to your expenses. This is helpful if you'd like to add extra documentation for your transactions, especially business meals, such as who you're with or what the meeting was about.

    Navigation: Deductions -> Select the expense

     

    If you prefer to manage your expenses on the app, feel free to check out this article about the app's Deductions tab!

  • Tax filing

    The Tax Filing section of your dashboard is your personalized gateway to filing taxes with Keeper. You can get started with the touch of a button. The process is completely automated, easy to follow, and fast, so there's no need to be a tax expert.

    The filing flow will walk you through the process of uploading your forms and documentation. After that, our team of tax assistants will do the heavy lifting so you don't have to. If you'd prefer to file on the app, feel free to check out our article about Filing in the App!

     

    Tax Filing Interface

    You'll see the tax filing interface once you log in to the website. Select 'File Taxes' to start. You can track your progress, pause at any time, and return later to complete it as needed. As an annual subscriber, you can access our tax filing flow at no additional cost and enjoy the benefits:

    • Easy form upload
    • Max refund
    • 100% accuracy
    • Professional prep 

    Rest assured, filing with us is quick and straightforward. Before your tax return is sent to the IRS, it will be professionally reviewed by a tax expert.

    And don’t worry, your tax return won’t be submitted until you have reviewed and confirmed your intent to file. You can go back to edit your information or ask questions if needed!

    Navigation: Tax filing -> File taxes

     

    When you first start your tax return, we'll ask who you’re filing for: yourself, your spouse, or dependent(s). Following that, you'll begin the filing process, which involves three key stages:

    • Drop off forms
    • Questionnaire 
    • Tax pro review

    We'll delve into each of these stages in greater detail later on.

     

    Past Returns

    Any returns you filed with us are shown here. You can also request a copy to be emailed to you.

    Navigation: Tax filing -> Past Returns

     

    Ask tab

    You can also access our AI Assistant chat box if you have any questions while going through the filing flow. Our AI assistant is powered by the collective intelligence of Keeper accountants and tens of thousands of previously filed tax returns, which can help you easily get through the filing process.

    To access the chat box, click on the "Ask" button at the bottom of the menu.

    💡 Tip: For additional assistance, feel free to contact your human tax assistant through the Ask tab. Simply request a staff member to assist you.

    Navigation: Web dashboard -> Ask

     

    Tax Filing Process

    Let's now explore the various sections of the filing process!

    1. Drop off forms

    You can upload any tax forms or tax documents right here. You can drag and drop, upload a photo, or choose a file to include your tax forms.

    Navigation: File Taxes -> Drop off forms

     

    Moreover, if you prefer to input your tax form details manually, you can easily do so by selecting Enter manually. This option directs you to a page where you can choose the specific tax form you wish to enter manually.

    Navigation: File Taxes -> Drop off forms -> Enter manually

     

    2. Questionnaire

    In the second stage of the filing process, we gather additional information from the forms you've uploaded to complete your tax return.

    Navigation: File Taxes -> Questionnaire

    Review forms

    In this step, we'll verify if you've uploaded all your tax forms. If you confirm, we'll then ask you to review each form to ensure all the information is correct.

    Navigation: File Taxes -> Questionnaire -> Review forms

     

    Follow-up questions

    Next, we'll inquire if any of the uncommon situations listed apply to you. If you respond with 'no,' you can move forward to entering your personal details and begin filing.

    • Received rental property income
    • Received income from a foreign country
    • Owned an S-corp
    • Were a nonresident alien

    Navigation: File Taxes -> Questionnaire -> Follow-up questions

     

    In the following section, you can input your personal information, including your home address, marital status, and details about your spouse and dependents, if applicable.

    Navigation: File Taxes -> Questionnaire -> Follow-up questions

     

    Once you've entered your personal information, you'll be prompted with a series of questions tailored to your tax situation. Please answer them as accurately as possible. If you have any queries or find any part unclear, feel free to contact your tax assistant via the Ask tab. We're here to assist you every step of the way!

     

    The final step of the Questionnaire stage is to input your Identity Protection PIN if you, your spouse, or dependent(s) received one from the IRS. You must enter an IP PIN if you received one from the IRS to proceed with filing successfully. 

    Navigation: File Taxes -> Questionnaire -> Follow-up questions

     

    3. Tax pro review

    The final stage of the filing process involves reviewing all the details you've entered. Once you've completed answering all the questions, you'll land on a summary page that neatly organizes the information you've provided. Each section in your tax filing summary is interactive, allowing you to easily make any adjustments if necessary.

    During this stage, you also have the option to include any additional income, credits, or deductions by simply clicking on the sections marked with a + sign.

    Navigation: File Taxes -> Tax pro review

     

    If everything appears accurate, you can proceed to submit your return for review by selecting Tax Pro Review. Our dedicated team of tax experts will then review your filing to ensure its accuracy. After the review process is complete, you will be able to view your finalized tax calculations indicating your tax bill and/or refund for federal and state.

     

    After submitting for review

    1. Review process 

    We'll review your tax return to ensure completeness and will notify you once your review is finished. Before submitting to the IRS, you'll be able to review your return and finalized tax calculations indicating your tax bill and/or refund for federal and state directly in your web dashboard. 

    Remember, we won't submit your return without your approval! 

     

    After we've completed the review of your return, we'll notify you if there are any issues that require your attention. If everything is in order, you'll find your tax bill or refund details on the next screen. 

     

    2. Tax return summary

    On this page, you'll see your finalized tax bill or refund amounts, as well as a summary of your tax filing information. 

    Tax bill amounts are displayed in red, while refund amounts appear in green. You also have the option to edit your return by selecting 'Unlock to make edits.' 

    At the bottom of the page, you can email yourself a draft copy of your return. We recommend thoroughly reviewing your return to ensure accuracy before proceeding to the next section to submit it for filing.

    📝 Please note that you will only see your finalized tax bill/refund details in the File Taxes section after submitting your return for review.

     

    3. Selecting your payment method

    Once you've confirmed your tax bill or refund details, simply click 'Next' to proceed to selecting a payment method. This choice will be utilized for either paying your taxes or depositing your refund if you're entitled to one.

    You have the option to add a bank account or choose the 'pay later' option.

    Select a payment method .jpeg

     

    If you choose 'Add a bank account,' you can either select from the accounts already linked to the app or manually enter your bank account information.

    Select a bank account .jpeg

     

    Opting to 'pay later' allows you to set up a payment plan with the IRS, giving you more time to pay your taxes. However, if you're anticipating a refund from either the IRS or your state, selecting this option means they will mail you a check to the home address you provided on your return.

    Pay later .jpeg

     

    4. Sign your return 

    After selecting your payment method, we'll ask if you'd like a copy of your return emailed to you. It's important to carefully review your tax return before signing.

    On the following screen, you'll be able to sign your return.

    Sign your Return .jpeg

     

    Once you've signed, you'll see another overview of your finalized tax bill or refund with a breakdown of your tax information. 

    At the bottom of this page, confirm your intent to file by clicking on the Send to IRS button.

    📝 Important Note: Once you send your return to the IRS, you won't be able to make any further changes to your return.

    Congrats Your finalized Tax Bill .jpeg

     

    Congratulations! Your return will be transmitted to the IRS.

    Now, sit back and relax. You'll receive a confirmation once the IRS accepts your return.

    If, for any reason, the IRS rejects your return, don't worry. We'll promptly notify you and provide details on why it was rejected and how to correct the error.

    Remember, if you have any questions or concerns, feel free to contact your human tax assistant through the 'Ask' tab by requesting assistance from a staff member.  We're here to help!

     

    Want to know more? See our Filing with Keeper article for more useful tips. 

    Have you already submitted your e-filed tax return to the IRS through the File Taxes tab? See our Tax Returns with Keeper article for more information on what comes next. 

  • Settings

    In the Settings section of your Keeper web dashboard, you can conveniently manage various aspects of your account. This includes updating your personal information, adjusting notification preferences, managing your subscription, and linking your bank accounts. Additionally, you can easily access our Help Center for further assistance.

     

    Profile

    Messaging Preferences:

    In this section, you can change your notification settings to:

    • App notifications 
    • SMS messaging
    • No notifications 

    Navigation: Settings -> Profile -> Messaging Preferences

    Profile:

    Here, you can update your:

    • Email address
    • Phone number
    • First and last name

    Navigation: Settings -> Profile -> Profile

    Support:

    If you have any questions or concerns, you can email our support team at support@keepertax.com

    Navigation: Settings -> Profile -> Support

    Membership:

    This is where you can view and manage your current subscription.

    📝 If you would like to make any changes to your subscription, like switching plans, you can do so in the app.

    Navigation: Settings -> Profile -> Membership

    Payment Method:

    You can update the payment method for your Keeper subscription here.

    Navigation: Settings -> Profile -> Payment Method

     

    Help Center

    You can access the Keeper Help Center here. It is your one-stop resource for solutions to any questions or issues you may encounter.

    Navigation: Settings -> Help center

     

    Linked Accounts

    You can easily add your bank accounts or cards through the Linked Accounts section in your web dashboard. Once linked, these accounts will be displayed in the same section.
    From there, you can choose how each account is used by selecting one of the following options:

    • Used for work & personal expenses
    • Used only for work expenses
    • Used only for personal expenses

    Selecting any of these options will affect how the status of transactions from each card appears in the app.

    If you no longer wish to see transactions from a particular account, you have the option to remove the account from your linked accounts.

    Navigation: Settings -> Linked accounts

     

Filing with Keeper

  • Maximizing your tax savings!

    New to Keeper? It's not too late for us to find deductions and save you money on your taxes!

    When you’ve finished the tax filing process, submit your return to our tax pros. Within a couple of days, they’ll review it to make sure there are no errors or inconsistencies.

    You’ll get a chance to look over the amounts you owe or the refund you’re getting back. After you've reviewed everything and you're happy, just hit the “Send to the IRS” button. Your return is filed! Now it is time to sit back and relax.

  • Why file with Keeper?

    Keeper makes filing your tax return quick and easy! Our system will ask you a series of basic questions to guide you through the process. If you have W-2, 1099, investments, or other types of income, you can simply upload your forms, and Keeper will take care of the rest!

    Remember all those business deductions we've been tracking throughout the year? You won't need to do anything on your part to see them included on your tax return — we'll automatically add them for you when you file with us.

  • When can you file?

    If you need to file your 2023 tax return after the April 15, 2024 deadline, you can still do so with us via our app or web dashboard!

    For assistance with your 2022 or 2021 tax returns, we offer our premium membership. Our tax experts are available to provide the help you need.

  • How do you file?

    Tax filing is available to all of our annual subscribers. As soon as you become a member, you can get started with your return.

    If you’re filing within the app, you can begin right from the “File Taxes” tab. If you’d rather file from a desktop, you can sign into your account and get started from dashboard.keepertax.com.

    Make filing easy for yourself. There’s no reason to be stressed out by tax season — we got your back!

  • Audit protection and Audit Guard

    Every person who files through our service is provided with audit protection. We're here to support you in case of any complications! But what exactly does this mean?

     

    For everyone that files with us, you receive audit protection, which includes:

    • Resolution if issues arise due to our software during the filing process. We can help diagnose what went wrong and help to offer options to get your tax filing corrected. We'll also help you correct your tax return if the error was on us. 
    • Assistance if you receive a written audit notice. We'll provide you with clarification on the reasons behind the audit letter, and guide you on possible follow-up actions.
    • Year-round access to our team of tax experts who can answer any inquiries about audits, audit risks, or methods to decrease the probability of being audited.

    This general audit protection does not include:

    • Amending any type of returns — federal, state, or local
    • Providing any form of audit representation
    • Services not included in our premium plan

    For premium plan users, you receive Audit Guard, which includes:

    • Representation by a tax professional during any IRS audits 
    • For first-time penalties, we'll file a waiver for any penalties that might be imposed by the IRS 
    • Amend your tax return to maximize your refund amount 
    • Setting up collection assistance 
    • Remember, you have access to a real accountant at any time!

    There are a few scenarios that we don't cover, and while these circumstances are rare, it's worth noting:

    • Coverage of individuals under criminal investigation
    • Large business, or complex business structures (such as those generating multi-million dollar revenues)
    • Audits for returns not filed with us

     

    I just received an audit letter. Help, what do I do?

    • First, breathe! Remember, we're here for you and we'll guide you through each step of the process.
    • Collect all documentation you've received, either scan them or take clear pictures.
    • Email us at support@keepertax.com from the email address you used for your Keeper subscription. We’ll take it from there!

Tax returns with Keeper

  • ID verification within the filing flow

    For compliance with IRS regulations, Keeper needs to confirm your identity when submitting your tax returns through our platform. Before forwarding your return to the IRS, you will be prompted to respond to three random security questions.

    You'll be given one hour to answer the questions. If that time elapses, fresh questions will be presented.

    If you're unsure of the answers, you can leave the filing flow and return later. Upon your return, new questions will be provided.

    If you get a possible audit risk found notification; this may mean you need to go back to the name, SSN, and address sections — please go into the filing flow under Household details to double-check your entries for each section. 

     

    If you don't encounter the above error notification, when your return is ready for you to confirm amounts, you'll be asked the three questions to validate your identity right before you submit your tax return to the IRS.

    Here are sample questions of what it looks like below:

     

     

  • Understanding the 1099-K and the updated IRS guidelines

    Do you accept credit card payments for your work? What about payments through apps like PayPal or Venmo? If you answered yes, you might receive a Form 1099-K. 

    This form is a tax document used to report income received through payment cards and third-party network transactions. This includes credit card payments, debit card payments, and any other form of payment made with a credit card. Third-party network transactions involve online payment platforms like PayPal and Venmo.

    1099-K forms are essential for individuals and businesses at tax time, as they provide a detailed record of their income received through electronic payment methods, AND they are also used by the IRS to ensure accurate tax reporting so it's important to report any 1099-K forms you receive when you file.

    For freelancers and independent contractors, you’ll refer to any 1099-Ks you receive when you file your taxes. If you’re using the Keeper app to file, you can simply upload the form and we’ll do the rest.

    For 2023 and prior years, third-party payment platforms like PayPal are only required to send out Forms 1099-K to taxpayers who receive over $20,000 and have over 200 transactions.

    For tax year 2024, the IRS plans for a threshold of $5,000 to phase in reporting requirements.

    The form typically reports gross income, which includes the total amount of payments processed through payment card transactions or third-party network transactions. This includes not only the income you received but also any refunds, returns, or chargebacks. If you had a significant number of returns or chargebacks during the tax year, it might explain why the reported income is higher than what you received. The gross amount of income reported on the 1099-K form also does not reflect business deductions, and this is where Keeper can help save on your tax bill. 

    When you earn income reported on a 1099-K, you may be eligible for certain deductions to reduce your taxable income. Here are some common deductions that self-employed individuals and independent contractors often take for income reported on 1099-K forms:

    • Business Expenses: This includes costs for supplies, equipment, advertising, business-related travel, and more. 
    • Home Office Deduction: If you use a portion of your home exclusively for business purposes, you may be eligible for a home office deduction. This can include a portion of your rent, mortgage interest, utilities, and maintenance costs.
    • Vehicle Expenses: If you use your vehicle for business purposes, you can claim deductions for mileage or actual expenses related to the use of your vehicle.
    • Health Insurance Premiums: Self-employed individuals may be eligible to deduct the cost of health insurance premiums paid for themselves, their spouses, and dependents.
    • Retirement Contributions: Contributions to self-employed retirement plans, such as a Simplified Employee Pension (SEP) IRA or a Solo 401(k), are deductible.
    • Self-Employment Tax Deduction: Self-employed individuals can deduct the employer portion of self-employment taxes, which includes Social Security and Medicare taxes.
    • Education and Training Costs: Expenses related to courses, workshops, or training that are directly related to your business and help improve your skills may be deductible.
    • Meals and Entertainment: You can typically deduct 50% of the cost of meals directly related to your business activities.
    • Legal and Professional Fees: Fees paid to accountants, lawyers, and other professionals for business-related services are deductible.
    • Depreciation: You can deduct the depreciation of business assets over time.
    • Software and Technology Expenses: Costs for software, computer equipment, and other technology used in your business can be deductible.
    • Advertising and Marketing Expenses: Money spent on advertising, marketing, and promotional activities can be deductible.

    It's important to keep thorough records of all your expenses, and Keeper can help ensure that you claim all the deductions you're eligible for and comply with IRS rules and regulations.

    When filing with Keeper, select all your deductions in the Keeper app under the Deductions tab and upload or enter your 1099-K form in the Freelance Income section of the tax filing menu, and Keeper will take care of the rest.

     

    Additional Resources: 

  • Do I need to upload last year's tax return?

    If youʻve filed with someone else in the past, youʻve probably been told you need to upload last year's return, that it'll make filing easier. Here at Keeper, importing last yearʻs return isnʻt necessary. Weʻre preparer filed, which means weʻll get all the information we need from you, your deductions, and your current tax forms. We'll then get your return ready to go for you. Talk about easy. 

  • What happens when the IRS and state receive your tax return?

    Once the IRS and/or state receive your e-filed tax return from us, it can take it up to 48 hours to accept your return. Don't worry! We’ll notify you once your return has been accepted.

    Once accepted, your tax return is in the IRS and your state system. What does that mean? Congratulations, your tax return has been filed!

  • How long does it take to get my refund?

    If you’re owed a tax refund, it takes the IRS and state 21 business days on average to process your return and remit payment. However, it may take longer. With that said, many people receive their refund much sooner!

  • What's the status of my refund?

    Check the status of your federal tax refund:

    • Use the online IRS Where’s My Refund? tool
    • Call the IRS at 800-829-1954 during their support hours of 7 AM to 7 PM local time, Monday to Friday.

     

    Status of your state tax refund:

     
  • See all 9 articles

In the filing flow

  • I don't see a deduction that I should have

    If you’re missing a deduction, start by double-checking your expenses to make sure it's not hiding somewhere before adding it manually —you don't want duplicates.

    If you don't see it, make sure it's been added to your list of expenses. You can manually add the expense in the app or link another card to ensure it's included.

    When you head back to your return, your missing expenses will be automatically added in.

  • What if I don't have a Social Security number?

    Not everyone has a Social Security number. But they still need to file taxes.

    In this scenario, you’ll need an Individual Taxpayer Identification Number (ITIN) to file your return. Learn more in our article, “What Is an Individual Tax ID Number (ITIN) and How to Get One.” 

    Once you have your ITIN number, head over to the “File Taxes” tab in the app to get started with your return.

  • How do I make changes if I already submitted my tax return for review?

    When you submit your return for review, your return will be locked and you won't be able to make any changes until the review is finished. Do not worry! If you need to make edits, you can message your tax assistant, and we’ll be happy to help. You can also unlock your return yourself!

     

    Once the review process is done, go back to the File Taxes tab and you'll see a page stating that your return has passed our audit risk review. 

     

    Simply click on Next, and it will take you to a page showing your tax file summary. You can edit your return by clicking on Edit at the right side of your tax info.

     

    After that, a message will pop up asking you if you'd like to edit your tax return.

     

    As long as you haven't confirmed the amounts of your return, we’ll get it opened so you can make edits. Be sure to resubmit it when you finish up!

  • How do I make changes if my tax return is already submitted to the IRS?

    If you need to make any changes to your return, you must file an amended return. Here’s more info on how to file an amended return: https://www.irs.gov/newsroom/if-you-must-amend-your-return

    Keeper also offers a premium subscription that includes preparing and filing amended returns. 

  • Something doesn't look right with my refund amount

    If your refund isn't adding up, take some time to review all of the information you've reported on your tax return. Have you included all your deductions and reported all your income? Does your return need to be unlocked so you can make changes?

    If everything has been entered correctly, the amount of your refund is accurate. If you're ever in doubt, ask your tax assistant. We’ll be happy to guide you through any questions.

  • My refund is not the same as my estimated tax savings

    Your estimated tax savings amount is an estimate of how much your tax bill will be reduced by applying all your deductions to your tax return. It is not the same as a tax refund. 

    You can review how the estimated tax savings amount is calculated by tapping on the amount in the app. You'll be able to review your total deductions and your estimated tax rate to see how the amount is calculated. 

After filing your return

  • My refund amount changed

    Sometimes, the IRS may accept your return but make changes to the amount of your refund. 

    This doesn't happen very often. But if it does, you’ll receive a letter or notice from the IRS explaining why it made the change and offering instructions on how to challenge it if you don't agree.

    As long as the information you include on your return is accurate, there's no reason to be concerned.

  • My return was rejected

    Maybe there was a typo with your Social Security number, or the IRS thinks something doesn't look right. If your return is rejected, we’ll be sure to let you know as soon as possible. This will come as a notification on the app, under the “File Taxes” tab.

    For minor issues, you’ll be able to update your return and resubmit it to the IRS. If the issue is a little more complex, we’ll guide you through all of your options.

  • I received an IRS inquiry

    The IRS may send a letter requesting a little more information to finish processing your return. This doesn't mean you're being audited, so don't stress.

    The notice should clearly state the forms or information they’re seeking, as well as instructions on how to send them in. Take care of these inquiries as quickly as possible, so your return isn't delayed.

    If you need any help or want to make sure you are sending the correct forms, send us an email support@keepertax.com. We’re happy to help.

  • I filed with Keeper and I'm being audited

    No one ever wants to hear the word audit. Most likely you never will — the likelihood of getting audited is less than 1%.

    Still, we want you prepared. If you filed with Keeper, we're here to help answer any questions as you work through collecting all necessary documents to send to the IRS. Our team of tax experts are available to answer all your questions.

    Don't assume your audit will be a drawn-out process, or that you'll necessarily receive a higher tax bill at the end. Most audits are done by mail, and you may have been selected for something as simple as making a typo when you entered your income. We all make mistakes.

    You should carefully read your IRS audit notice.  You might be given the option to:

    • Send in supporting documents
    • Pay an updated tax bill
    • Offer proof as to why the original numbers were actually accurate

    Once you’ve gathered all your documentation and sent in your response, the IRS will notify you of the final decision.

  • I filed with Keeper and I haven't received my refund

    The wait is the worst part. If you've filed with us and your return has been accepted by the IRS, you can track the status of your refund directly at the IRS website, using Where's My Refund?

    Keep in mind, refunds on simple returns can be processed in as few as 21 days. But things can take longer if the IRS is running behind or needs to verify any information

  • The IRS says my Social Security number was already used

    No one wants to hear that their return has been rejected, but it's not the end of the world. Just keep calm and work through it.

    If the IRS sends a notice that your Social Security number was already used, you'll want to review your personal details, like name, address, and SSN, to make sure everything is accurate.

    If it is, you'll also want to make sure you haven't already filed a return this year. In the rare event that someone else has actually used your Social Security to file, you should contact the IRS to discuss your options moving forward.

    You can find more info on the IRS website linked here Taxpayer Guide to Identity Theft.

  • See all 7 articles

Tax deductions and tax breaks

  • What are tax deductions?

    Tax deductions lower the amount of income you’re taxed on — leading to a smaller tax bill. (Take a look at our help center article, “We find your deductions,” to learn more about deductions.)

     

    Types of deductions

    • Business: Ordinary and necessary work-related purchases
    💡 Ordinary and necessary - ‘Ordinary' means it's common in your field. 'Necessary' 
    means it's 'helpful and appropriate' for doing your work —  it doesn't necessarily
    have to be indispensable.
    • Educational:
      • Student loan interest
      • Teacher educational expenses  
    • Healthcare:
      • Medical or dental expenses more than 7.5% of your AGI
      • Health savings account (HSA)
    • Investment:
      • Sale of home
      • Individual retirement arrangements (IRAs)
      • Capital losses
      • Bad debt
      • Opportunity zones
      • Debt forgiven on my residence due to foreclosure, repossession, abandonment or because of a loan modification or short sale
    • Personal:
      • Deductible non-business taxes
      • Personal property tax
      • Real estate tax
      • Sales tax
      • Charitable contributions
      • Gambling loss
      • Miscellaneous expenses
      • Interest expense
      • Home mortgage interest
      • Moving expenses
      • Standard deduction
      • Itemized deductions

    Want to learn more about what a tax deduction is? Take a look at our blog article

  • What are tax breaks?

    Tax breaks or credits reduce the amount of tax you owe — or increase your tax refund — dollar for dollar. Certain credits may give you a refund even if you don't owe any tax.

     

    Types of credits

    • Family and Dependent Credits:
      • Child Tax Credit
      • Dependent Care Credit
      • Adoption Credit
    • Income and Savings Credits:
      • Earned Income Tax Credit
      • Saver's Credit (Retirement Savings Contributions Credit)
      • Foreign Tax Credit
      • Excess Social Security and RRTA tax withheld
      • Credit for Tax on Undistributed Capital Gain
      • Credit for Prior Year Minimum Tax
    • Homeowner Credits
    • Electric Vehicle Credits
    • Healthcare Credits:
      • Premium Tax Credit
    • Education Credits:
      • American Opportunity Credit and Lifetime Learning Credit

    You can learn more about deductions and credits in this article.

  • Have a question about your specific tax situation?

    Understanding taxes can be quite a challenge. However, our goal at Keeper is to simplify this process for individuals who aren't tax experts. We've developed this resource specifically for this purpose — to offer you free access to our knowledgeable tax accountants.

    Feel free to submit your tax-related queries here — selected questions may get published.

Income tax forms

  • 1040-ES, Estimated Tax for Individuals

    This form is used to calculate and pay your estimated tax, which is also commonly referred to as quarterly tax. You pay this on income that is not subject to withholding, including income from self-employment, interest, dividends, rents, and alimony.

    Breaking down the boxes:

    1. Estimated Tax Worksheet: Estimation of the amount of income you expect to receive for the year. You'll also take into account deductions, credits, and taxes you've already paid.

    • Line 1: Expected adjusted gross income (that's total income minus certain adjustments) for the year.
    • Line 2: Expected deductions, like the standard deduction or itemized deductions.
    • Line 3-5: Simple subtraction and addition operations to adjust income.
    • Line 6-8: Involves figuring out your tax using the tax rate schedules.
    • Line 9-14: Credits, self-employment tax, and other taxes.
    • Line 15-16a: Helps figure out if you owe any estimated tax, and how much.

    2. Record of Estimated Tax Payments: The amounts you pay each quarter, and the dates you pay them. This can help you track your payments and make sure you're paying enough throughout the year.

    3. Payment Vouchers (1-4): These are slips that you'll detach and send in with your payment if you're paying by check or money order. Each voucher corresponds to one of the four due dates for estimated tax payments. You'll fill in your name, address, Social Security number, and the amount you're paying.

    Remember, the key to Form 1040-ES is estimation. The numbers you're working with are your best guess for what the year will look like, financially. This is why it's crucial to review and potentially adjust your estimated tax payments throughout the year as your income or deductions change.

     

  • 1099-B, Proceeds from Broker

    This is issued by brokers or barter exchanges to people who have sold assets during a given tax year. When you sell something for more than it cost you to acquire it, the IRS calls the profit your “capital gain,” and you must pay tax on this amount. The 1099-B form is essentially a record of your sales or trades of certain assets, like stocks, bonds, or commodities. It doesn't directly state your capital gains. Instead, it provides the necessary information for you to calculate them.

    It's also important to note that some brokerages provide composite forms that combine your various types of income into one document for simpler reporting. This can include your income from interest (1099-INT), dividends (1099-DIV), and sales or trades of assets (1099-B). You report these under the "Income" section in the filing flow. 

    Breaking down the boxes:

    • Box 1a: Date you sold or disposed of the security.
    • Box 1b: Might be filled out with the date you acquired the security. It could be blank for older securities.
    • Box 1c: Reserved for future use by the IRS.
    • Box 1d: Proceeds or the money you got when you sold the security.
    • Box 1e: Cost or other basis, often what you paid for the security. Might be adjusted for various reasons.
    • Box 1f: Code if your broker adjusted the basis for reasons other than a wash sale or market discount.
    • Box 1g: Amount of any nondeductible loss from a wash sale or the amount of accrued market discount.
    • Box 2: Indicates if the gain or loss is long-term (held the security for over a year) or short-term (held for a year or less).
    • Box 3: Shows the number of shares sold if the transaction involves stocks.
    • Box 4: Federal income tax withheld — Money your broker already sent to the IRS.
    • Boxes 5-8: Checked if certain situations apply.
    • Box 9-10: Shows the profit or loss on regulated futures or foreign currency contracts.
    • Box 11: Shows the aggregate profit or loss on regulated futures or foreign currency contracts.
    • Box 12-14: State tax withholding information.
  • 1099-DIV, Dividends and Distributions

    This reports dividends from investments if you've made more than $10. Heads up: Dividends on your account at a credit union don't count. (They’re technically reported as interest instead.) We’ll ask you to report dividend income under the "Income" section of the filing flow.

    Breaking down the boxes:

    • Box 1a: Total ordinary dividends — Total of all the ordinary dividends received.
    • Box 1b: Qualified dividends — Dividends that meet certain requirements to be taxed at a lower rate.
    • Box 2a: Total capital gain distributions — Total amount of capital gains distributions, which come from profits on the sale of securities within the fund.
    • Box 2b: Unrecaptured section 1250 gain — A type of gain that relates specifically to depreciable real estate.
    • Box 2c: Section 1202 gain — Represents a capital gain from certain small business stocks.
    • Box 2d: Collectibles (28%) gain — Gain from the sale of collectibles, which is taxed at a maximum rate of 28%.
    • Box 3: Nondividend distributions — Distributions that are not paid out of the earnings and profits of a corporation or a mutual fund.
    • Box 4: Federal income tax withheld — Backup withholding that was taken out of your dividend payments.
    • Box 5: Investment expenses — Your share of expenses from an investment company, and they are usually deductible.
    • Box 6: Foreign tax paid — Any tax paid to a foreign country on foreign investments.
    • Box 7: Foreign country or U.S. possession — Where the foreign country or U.S. possession where the foreign tax was paid is identified.
    • Boxes 8-11: Cash and noncash liquidation distributions — Amounts received during liquidations.
    • Boxes 12-14: Exempt-interest dividends and specified private activity bond interest dividends — Relate to certain types of exempt-interest dividends.
  • 1099-G, Certain Government Payments

    This reports payments from the government, whether it comes from the local, state, or federal level. Expect one if you've received assistance from the government, like unemployment benefits. We'll ask you about this within the "Income" section of the filing flow. 

    Breaking down the boxes:

    • Box 1: Unemployment compensation —  Money received from the government because you were unemployed.
    • Box 2: State or local income tax refunds, credits, or offsets —  A refund of state or local income taxes last year will show up here.
    • Box 3: Box 2 Amount is for tax year — Indicates the tax year the refund, credit, or offset applies to.
    • Box 4: Federal income tax withheld — If any federal tax was already taken out of your payments.
    • Box 5: RTAA payments — Reports payments under the Reemployment Trade Adjustment Assistance (RTAA) program.
    • Box 6: Taxable grants — If you received a taxable grant from a government agency.
    • Box 7: Agriculture payments — Payments from the Department of Agriculture.
    • Box 8: Trade or business Income (Checkbox) — If checked, Box 6 or 7 amounts are considered to be trade or business income.
    • Box 9: Market gain — Reports market gain associated with Commodity Credit Corporation (CCC) loans.
    • Box 10: State tax withheld — State tax was taken out of payments.
    • Box 11: State/payer's state number — Payer's state identification number goes.
    • Box 12: State distribution — Report the amount of the state tax refund.
  • 1099-INT, Interest Income

    This reports more than $10 in interest from a financial institution, like a brokerage, mutual fund, or bank. You can add your 1099-INT in the "Income" section of the filing flow.

    Breaking down the boxes:

    • Box 1: Taxable interest not included in box 3 is reported here. Might include interest from a bank account or a certificate of deposit.
    • Box 2: Early withdrawal penalties. If you withdraw money from a time-based deposit before it matures, you might have to pay a penalty, which is deductible.
    • Box 3: Interest on U.S. savings bonds and treasury obligations, which might be exempt from state or local taxes.
    • Box 4: Federal tax withheld at source, also known as backup withholding. If you didn't provide your Social Security number to the payer, or if you're subject to backup withholding, the payer may withhold taxes from your interest income at a flat rate.
    • Box 5: Investment expenses (for instances where you own a share of a taxable bond trust and would receive a prorated share of the investment expenses of the trust).
    • Box 6: Foreign tax paid.
    • Box 7: Foreign country or U.S. possession where tax was paid.
    • Box 8: Tax-exempt interest — This might include interest from a municipal bond.
    • Box 9: Specified private activity bond interest — These bonds are used by municipalities to attract private investment for projects that have some public benefit.
    • Box 10: Market discount on bonds.
    • Box 11: Bond premium.
    • Box 12: Bond premium on Treasury obligations.
    • Box 13: Bond premium on tax-exempt bond.
    • Box 14: Tax-exempt and tax credit bond CUSIP number.
    • Box 15: State
    • Box 16: State identification number.
    • Box 17: State tax withheld.
  • 1099-K, Payment Card Transactions

    This form reports payments made through credit cards and apps such as Venmo, PayPal, and Shopify. Companies like Uber and Lyft also issue 1099-K’s. 

    For 2023 and prior years, third-party payment platforms like PayPal are only required to send out Forms 1099-K to taxpayers who receive over $20,000 and have over 200 transactions.

    For tax year 2024, the IRS plans for a threshold of $5,000 to phase in reporting requirements.

    Because of this, you should consider using separate accounts for business and personal to make it easier to track what transactions are for business and what are personal. You can enter your 1099-K in the filing flow under Income > Freelance income. 

    Breaking down the boxes:

    • Box 1a: Gross payment volume for all payment transactions.
    • Box 1b: Card-not-present transactions.
    • Box 2: Merchant category code.
    • Box 3: Number of payment transactions.
    • Box 4: Federal income tax withheld.
    • Boxes 5a-5l: Gross payments by month.
    • Box 6: State tax withheld.
    • Box 7: Merchant's name, address, and account number.
    • Boxes 8-11: State information.
    • PSE’s name and telephone number: Who you contact if you notice a mistake on your 1099-K.
  • See all 12 articles

Credit tax forms

  • CTC, Child Tax Credit

    The Child Tax Credit is a program designed to offer financial help to families with children. It provides a tax break to eligible parents or guardians which reduces their tax bill or increases their refund.

    We ask about this under "Credits and Deductions" > Child tax credit.

    Here's what you need to know about the credit:

    • The Child Tax Credit can either reduce the amount of income tax you owe or provide a refund if you don't owe any taxes.
    • The amount varies, depending on factors like your income, filing status, and the number of children you have. See the current IRS guidelines here: https://www.irs.gov/credits-deductions/individuals/child-tax-credit
      To be eligible, you must have at least one child who's under the age of 17 by the end of the tax year and who has a valid Social Security number — meaning they're a US citizen or permanent resident.
    • To claim it, just file your taxes by going through the flow. We'll automatically add it to your return based on the income and household details.
  • Form 8863, Education Credits

    ​​This tax form allows eligible taxpayers to reduce their tax liability by claiming credits for qualified education expenses they paid during the tax year.

    Form 8863 is used to claim one of two main education credits: the American Opportunity Credit and the Lifetime Learning Credit.

    American Opportunity Credit: Available for eligible students pursuing a degree or other recognized educational credential. It provides a credit of up to $2,500 per student per year for the first four years of post-secondary education.


    Lifetime Learning Credit: Available for both undergraduate and graduate students, as well as those taking courses to acquire or improve job skills. It provides a credit of up to $2,000 per tax return, regardless of the number of students.

    To claim either credit, you must meet certain eligibility requirements. These include:

    • Being enrolled at an eligible educational institution.
    • Being in a degree, certificate, or other recognized educational credential program (for the American Opportunity Credit).
    • Having paid qualified education expenses, such as tuition, fees, and required course materials.
    • Meeting income limits and other criteria specified by the IRS

    You donʻt have to worry about filling out this form when you file with us. Just be sure to include your school information under the "Credits and deductions" section of the filing flow so we can determine which credits you are eligible for.

  • Form 8880, Credit for Qualified Retirement Savings Contributions

    This tax form is used to claim the Credit for Qualified Retirement Savings Contributions. It's designed to encourage those with lower incomes to save for retirement. Eligible plans include:

    • Traditional IRAs
    • 401(k)s
    • 403(b)s
    • Thrift Savings Plan (TSP)

    To be eligible for the credit, you must meet certain requirements, including:

    • Being at least 18 years old.
    • Not being a full-time student.
    • Having adjusted gross income (AGI) below a certain limit, which is determined each year by the IRS. The specific income thresholds may vary depending on your filing status.

    The credit amount is a percentage of the contributions you made to your eligible retirement savings plans during the tax year, up to a certain limit. The percentage ranges from 10% to 50%, depending on your income level and filing status. The maximum eligible contribution for the credit is $2,000 per taxpayer.

    To claim the credit, report your IRA information under the "Credits and deductions" section in the filing flow of the app. We will help you determine whether or not you are eligible for the credit.

  • Form 8812, Credits for Qualifying Children and Other Dependents

    Your eligibility for the Child Tax Credit is determined by the information you report in the “Household Details” section of the filing flow, which you can find under Household Details.

    A refundable tax credit is a type of credit that can reduce a taxpayer's liability beyond zero, resulting in the possibility of a refund. 

    The Credits for Qualifying Children and Other Dependents include:

    • Child Tax Credit 
    • Additional Child Tax Credit
    • Credit for Other Dependents
    • Earned Income Credit 

    These credits can help reduce your tax liability or provide a refund based on your eligibility. To determine your eligibility and calculate these credits, just be sure you’ve included all of your information, including your income and dependents, on your return. Based on this, we’ll automatically help you apply for any credits youʻre eligible for.

  • Form 8835, Renewable Electricity Credit

    This credit is available to individuals or businesses that generate electricity from qualified renewable resources, such as wind, biomass, geothermal, landfill gas, hydropower, and solar energy. You'll report renewable energy under the "Credits and deductions" section of the filing flow.

    Here are some tidbits to remember:

    1. This credit encourages homeowners and business owners to invest in clean energy sources.

    2. To claim the credit, you must meet certain requirements, including:

      a. Owning a qualified renewable energy facility that generates electricity. This could include wind farms, solar farms, geothermal power plants, and hydropower plants, among others.

      b. Beginning construction or placing the facility into service before a specific deadline. The IRS sets deadlines for each renewable resource type, and it's important to adhere to them.

      c. Meeting specific production requirements. The amount of credit you can claim may be based on the electricity produced by the facility.

    3. The credit amount varies depending on the type of renewable resource used and the date the facility was placed in service. The credit is calculated based on the kilowatt-hours of electricity produced from qualified sources.

    4. To claim the credit when filing in the Keeper app, just be sure to add your Renewable Energy information under the "Credits and deductions" section of the filing flow.
  • Form 8962, Premium Tax Credit (PTC)

    The PTC is a tax credit provided to eligible individuals and families who obtained health insurance coverage through the Health Insurance Marketplace.

    Here are some important points about Form 8962 and the Premium Tax Credit:

    1. The Premium Tax Credit is calculated based on your income, household size, and the cost of premiums for a benchmark health insurance plan in your area. The credit will limit the amount you pay for premiums to a certain percentage of your income.

    2. When you file your return with us, you’ll need information from Form 1095-A, which is sent to you by the Marketplace. Form 1095-A provides details about your health insurance coverage, including the premiums you paid and any advance premium tax credits you received.

      Health insurance premiums are the amounts you pay, often monthly, for your health insurance coverage. An advance premium tax credit (APTC), on the other hand, is a type of subsidy provided by the federal government to help eligible individuals or families with low to moderate income afford health insurance premiums. This tax credit is applied in advance, directly to your monthly premiums, which lowers the amount you have to pay out-of-pocket for your health insurance. This will allow us to properly report your credit when you file.

    This credit is used to reconcile the credits you received throughout the year with the actual credit you’re eligible for at tax time. If the advance payments were too high or your income was higher than estimated, you may need to repay a portion of the credit. On the other hand, if your income was lower than expected, you may be eligible for a larger credit. Be sure to enter your healthcare information under the "Credits and deductions" section in the filing flow so we can determine your eligibility for the PTC.

  • See all 7 articles

Schedules within tax forms

  • Schedule 1, Additional Income and Adjustments to Income

    This Schedule is an additional form that captures sources of income or deductions that aren't reported on your main 1040 tax form.

    Additional Income: This part is where you report types of income not covered on the main Form 1040. Here are some common examples:

    • Alimony: If you received alimony payments you report that here. Note that, for divorce or separation agreements made or changed after 2018, alimony isn't deductible by the payer or taxable for the recipient.
    • Business income: If you're self-employed or run a small business, the profit from that is reported here. This usually comes from a Schedule C .
    • Rental real estate, royalties, partnerships, S corporations, trusts, etc.: Income from any of these sources is reported here. You'll typically fill out a Schedule E for these.
    • Unemployment compensation: If you received unemployment benefits, you report them here.

    Adjustments to Income: These are also known as above-the-line deductions, which are deductions that you can take to reduce your overall taxable income. Some examples include:

    • Educator expenses: If you're a teacher and you've spent your own money on classroom supplies, you might be able to deduct some of those expenses.

    • Health Savings Account deduction: If you contribute to a Health Savings Account (HSA), you may be able to deduct these contributions.

    • Self-employment tax: If you're self-employed, you can deduct half of the Social Security and Medicare  taxes you paid here.

    • Student loan interest deduction: You can deduct the interest you paid on student loans during the year, up to $2,500.

    After you've filled out the relevant parts of Schedule 1, you add the additional income to the income reported on Form 1040 and then subtract your adjustments to income. The result gives you your adjusted gross income (AGI), which you report on your Form 1040.

  • Schedule 2, Additional Taxes

    This schedule is used to report additional taxes owed that aren't covered on the main Form 1040.

    • Alternative minimum tax (AMT): A separate tax calculation designed to ensure that higher-income earners still pay a minimum amount of tax, especially if they have many deductions or tax credits that would otherwise lower their tax bill significantly.
    • Excess advance premium tax credit repayment: Applies if you receive health coverage through a Health Insurance Marketplace. If you received more Advance Premium Tax Credit than you qualify for based on your final yearly income, you might need to pay back the excess.
    • Self-employment tax: Social Security and Medicare tax for people who work for themselves. Normally, these taxes are split between employers and employees, but if you're self-employed, you're responsible for both portions.
    • Household employment taxes: If you paid a household employee (like a nanny or a housekeeper) more than a certain amount, you might owe this "Nanny tax."
    • Additional tax on IRAs, other qualified retirement plans, etc.: If you took an early distribution from a retirement plan or IRA, or if you didn't take a required minimum distribution, you might owe additional tax.
    • Net investment income tax: High-income taxpayers may be subject to an additional 3.8% tax on some or all of their net investment income.
    • Additional Medicare Tax: An additional 0.9% tax that applies to individuals with an income above a certain threshold.
    • Other taxes: Here, you can report taxes from Forms 8959, 8960, and other sources.

    Remember, you don't need to fill out every part of Schedule 2 — just the parts that apply to your situation. After completing the form, you add up all these additional taxes and include this total on your main Form 1040.

  • Schedule 3, Additional Credits and Payments

    This Schedule is used to report certain tax credits and payments that aren't included in the main Form 1040.

    Part I: Nonrefundable Credits: These credits can reduce the amount of tax you owe to zero, but won’t provide a refund if they're worth more than your total tax liability.. Common nonrefundable credits on Schedule 3 include:

    • Foreign tax credit: If you paid taxes to a foreign country.
    • Credit for child and dependent care expenses: If you paid someone to care for your child or another dependent while you worked or looked for work.
    • Education credits: There are two education credits (the American Opportunity Credit and the Lifetime Learning Credit) which may be available if you, your spouse, or your dependents attended post-secondary school.
    • Retirement savings contributions credit (saver's Credit): For lower-income taxpayers who contribute to a retirement plan.
    •  

    Part II: Other payments and refundable credits: These credits are called “refundable” because if they reduce your tax liability below zero, you can receive the balance as a refund. They include:

    • Health coverage tax credit: Helps eligible individuals and families pay for certain types of health insurance coverage.
    • Excess Social Security and tier 1 RRTA tax withheld: If you had multiple employers and they collectively withheld too much Social Security tax or Railroad Retirement Tax Act (RRTA) tax, you can claim the excess here.
    • Credits from Form 2439, 8885, or other forms: Credits reported on these forms would be entered here.

    After you've filled out the relevant sections of Schedule 3, you add up your credits and payments and include this total on your main Form 1040.

  • Schedule A, Itemized Deductions

    This form allows you to detail specific expenses you incurred throughout the year that you want to deduct from your taxable income. It's an alternative to taking the standard deduction, which is a flat dollar amount that all taxpayers can deduct, regardless of their expenses.

    You would typically choose to itemize your deductions on Schedule A if the total amount of your itemized deductions is greater than the standard deduction for your filing status.

    • Medical and dental expenses: Deductible out-of-pocket medical and dental expenses that exceed 7.5% of your adjusted gross income (AGI). These expenses might include fees paid to doctors, dentists, surgeons, psychologists, and nontraditional medical practitioners; inpatient hospital care or residential nursing home care; and premiums for health insurance, to name a few.
    • State and local taxes: Deductible state, local income taxes, or sales taxes (but not both), plus property taxes. There's a limit to how much of these taxes you can deduct.
    • Interest you paid: Deductible mortgage interest paid on a loan secured by your main home or a second home. You may also be able to deduct investment interest expenses.
    • Gifts to charity: Donations to eligible charities. These  can be cash but can also include property or even mileage driven for charitable service.
    • Casualty and theft losses: Property losses due to a theft or a federally declared disaster can be deducted here.
  • Schedule B, Interest and Dividend Income

    This form is used to list the interest and dividend income a taxpayer received during the tax year.

    • Interest: Lists the total interest income you received for the year. This might include interest from savings accounts, certificates of deposit (CDs), bonds, or any other type of investment. If you received more than $1,500 in total interest for the year, you're required to fill out this part of Schedule B. You need to list each payer (like a bank or corporation) separately, plus the amount they paid you.
    • Ordinary Dividends: Payments you receive from owning stocks or mutual funds. Just like with interest, if you received more than $1,500 in dividends during the year, you're required to fill out this section of Schedule B. You need to list each payer and the amount they paid you.

    After listing all your interest and dividends and summing them up, you then carry these totals over to your Form 1040.

    Remember, it's important to report all of your interest and dividend income, even if it's less than $1,500. Also, keep in mind that some interest and dividends can be tax-exempt or taxed at special rates.

  • Schedule C, Profit or Loss from Business

    This form is used by sole proprietors (i.e., individuals who own their own businesses) to report income or loss from their business operations.

    • Part I - Income: All the money your business made during the tax year. This includes both cash and non-cash income.

    • Part II - Expenses: Lst the costs of doing business. These are all subtracted from your income.

    • Part III - Cost of goods sold: Calculate the cost of all goods sold during the year, which is also subtracted from your income. This involves listing your inventory at the beginning of the year, new purchases, and your inventory at the end of the year.

    • Part IV - Information on your vehicle: If you're claiming vehicle expenses, you'll need to provide information about your vehicle and its business use here.

    • Part V - Other expenses: Any business expenses that didn't fit into the categories in Part II.

    After you've filled out all the relevant parts of Schedule C, you figure out your net profit or loss (your income minus your expenses and cost of goods sold) and report this on your Form 1040.

  • See all 9 articles

Miscellaneous tax forms

  • Form 1095, Health Insurance Coverage

    Form 1095 is actually composed of three different forms that report information regarding your health insurance information. You may receive a 1095-A, 1095-B, or 1095-C.

    • Form 1095-A: Issued to individuals who enrolled in a qualified health plan through the Marketplace. It provides information about the coverage, premium amounts, and any advance premium tax credits received. This is the most important Form 1095, as you’ll need to report the information from this form in the “Credits and deductions” section of the filing flow in the app.
    • Form 1095-B: Typically sent by health insurance providers, including insurance companies, government-sponsored programs, and self-insured employers. It reports information about the health insurance plan, including the months of coverage. Form 1095-B is used to verify that you and your dependents had the minimum coverage. You don’t need to report it on your return.
    • Form 1095-C: This form is provided by an employer. It reports information about the health insurance coverage offered to employees, including the months of coverage and any applicable employer contributions. This form is intended for your records and does not need to be reported when you file your return.
  • Form 1098, Mortgage Interest Statement

    If you have a mortgage on your home, your lender or mortgage servicer will provide you with this form. Include this information when you file in the "Credits and deductions" section of the app.

  • 1098 E, Student Loan Interest Statement

    If you made payments on a qualified student loan, the lender or loan servicer will provide you with this form. The student loan interest you paid may be eligible for a deduction on your federal income tax return, subject to certain income limitations.

  • 1098-T, Tuition Statement

    Form 1098-T provides information on the amounts paid for tuition, scholarships or grants received, and other educational expenses. It’s used to determine if the taxpayer is eligible for education-related tax credits or deductions, such as the American Opportunity Credit or Lifetime Learning Credit. You can report the information on this form under the "Credits and deductions" section of the filing flow in the app.

    To learn more we have a blog about this — Tax breaks for college tuition.

  • Form 4868, Federal Tax Extension

    This is the form you use to request an extension for filing your taxes. It gives you an additional six months to submit your tax return to the IRS.

    Here are some important points about Form 4868:

    • Extended filing deadline: The regular due date for individual tax returns is typically April 15th (or the next business day if April 15th falls on a weekend or holiday). By submitting Form 4868, you can extend the filing deadline to October 15th.
    • Filing requirements: To request an extension using Form 4868, you need to provide your personal information, including your name, address, Social Security number (or taxpayer identification number), and an estimate of your total tax liability for the tax year.
    • Automatic extension: The extension granted is automatic, meaning that as long as you submit the form by the original due date of your tax return, you will automatically receive the additional six months to file. It’s good to note that the extension only applies to the filing deadline, not the payment deadline. Any taxes owed are still due by the original deadline if you want to avoid potential penalties and interest.
    • E-filing: Head over to the IRS link below to find more information on the extension and how to file electronically: https://www.irs.gov/forms-pubs/extension-of-time-to-file-your-tax-return
  • Form 8879, IRS e-file Signature Authorization

    This form is used to authorize and confirm the electronic filing of your federal income tax return. When you file your tax return electronically, the IRS requires your consent and authentication to ensure the accuracy and validity of your submission.

    Here are some important things to remember:

    • Electronic filing: Form 8879 is specifically used for electronically filed tax returns. If you choose to e-file your tax return, you’ll need to sign and submit Form 8879 to authorize the electronic transmission of your return to the IRS. This will be one of the very last things you do when filing with us. We take the stress out of having you fill out the entire form — you’ll just e-sign within the filing flow, and weʻll include your Form 8879 form along with your return when itʻs submitted to the IRS.
    • Reviewing your return: Before signing Form 8879, it's crucial to carefully review your tax return to ensure that all the information is accurate and complete. Confirm that your personal details, income, deductions, and credits are correctly reported.
    • Retaining records: After signing Form 8879 and submitting it to your tax preparer or e-filing service, it is important to keep a copy of the form and all supporting documentation for your records. This includes copies of your tax return and any relevant documents used to prepare your return.
  • See all 15 articles

Supplementary tax forms

  • Form 1040, Income Adjustments on Form 1040

    This form is used to file your annual income tax return and includes several lines where certain types of income are reported, as well as adjustments (also known as above-the-line deductions) to your income.

    • Filing Status: The form starts checking your filing status Single, Married filing jointly, Married filing separately, Head of Household, or Qualifying surviving spouse.
    • Personal Information: Name, Social Security number, address.
    • Digital Assets: Declared if you received, sold, or disposed of any digital assets in 20XX.
    • Standard Deduction: Checked if anyone can claim you or your spouse as a dependent and if you are blind or were born before January 2, 1958.
    • Dependents: Here, list your dependents, their social security numbers, their relationship to you, and whether they qualify for certain tax credits.
    • Income: Reporting your income from various sources including wages, interest, dividends, IRA distributions, pensions, social security benefits, and other income.
    • Adjustments to Income: Lists adjustments to your income (from Schedule 1), which might lower your tax liability.
    • Standard Deduction or Itemized Deductions: Reports if you took the standard deduction or itemize your deductions.
    • Qualified Business Income Deduction: If you have income from a business, you may be eligible for this deduction.
    • Tax and Credits: This part is for computing your tax, claiming credits, and determining your total tax.
    • Payments: This is where you report the amount of federal income tax that has been withheld, any estimated tax payments you made, and any refundable credits you're claiming.
    • Refund or Amount You Owe: Based on your total tax and total payments, you either have an overpayment (which may be refunded to you or applied to next year's estimated tax) or you owe additional tax.
    • Third Party Designee: If you want to allow another person to discuss this return with the IRS, you can designate them in this section.
    • Signature: You and your spouse (if filing jointly) need to sign and date the form, declare your occupation, and provide contact information.
    • Paid Preparer Use Only: If a paid preparer completed the form, they provide their information in this section.

    Along with Form 1040, there may be additional schedules and forms with your tax return, depending on your individual financial circumstances.

  • Auto Expense Worksheet, Vehicle Business Expense Tracking

    This form is for your records only. It shows the business-related expenses, mileage, and property tax calculations associated with your business-use vehicle. We’ll provide this information along with your tax return if you use your car for business purposes.

    • Profession/Business: Description of the business.
    • Description: Vehicle type.
    • Date: Date placed in service.

    • Total miles your vehicle was used: Total business miles, commuting miles, other miles driven, and total miles driven during the year.

    • Business use percentage: Business percentage for the year can be calculated by dividing the business miles driven by the total miles driven and then multiplying by 100 to get a percentage.

    • Expenses: Car expenses are listed by category with the total and the business use percentage.

    • Expense Total Amount: Business percentage total amount.

    • Standard mileage rate calculations: Business miles driven, parking fees, tolls, interest, personal property tax, and the total standard mile rate deduction.

    • How it is reported: Depreciation deduction, auto expense, personal property taxes, and Schedule A, Line 5c.

    This is helpful for small business owners, independent contractors, and employees who use a personal vehicle for business purposes to see the totals for your tax-deductible vehicle expenses.

  • Form 1045, Application for Tentative Refund

    This form is for individuals, estates, and trusts with certain types of losses that could qualify them for a tax refund. It’s divided into several schedules, supplementary parts of the form used to calculate the amount of your refund.

    • Personal Information: Name, address, and social security number or employer identification number.

    • Reason for Filing: Here, we indicate why you're applying for a refund, such as a net operating loss (NOL), unused general business credit, or a loss due to section 1256 contracts.

    • Tax Years Involved: Specifies the tax years for which you're claiming the refund.

    • Various Questions: These questions are about specific tax situations that might apply to you, such as if you've filed a petition in Tax Court or if any part of the decrease in tax is due to a reportable transaction.

    • Computation of Decrease in Tax: This part is for calculating how much your tax liability decreased as a result of the reasons you listed above.

    • Signature and Paid Preparer Info: This is where you sign the form, and if you paid someone to prepare the form, they also need to sign here.

    • Schedule A - Net Operating Loss (NOL): If deductions for the year are more than income for the year, you may have a net operating loss (NOL). An NOL can be used to lower your tax in another year.

    • Schedule B - NOL Carryover: Typically, NOLs that originate in tax years after 2020 can only be transported forward to subsequent years. However, there's an exception for specific farming losses, which can be carried back two years.

    Form 1045 offers a “tentative” refund because the IRS still needs to approve it. The IRS usually will review the form within 90 days of receipt. Afterwards, it can accept the claim and issue a refund, or deny it.

  • Form 1116, Foreign Tax Credit

    This form is included if you’ve paid certain types of foreign taxes and want to claim a credit against your US income tax.

    This credit helps you avoid double taxation, which would occur if your foreign income is taxed by both the US and the foreign country where you earned the income.

    *We do not support Form 1116, Foreign Tax Credit in our filing flow.

    • Part I – Taxable Income or Loss From Sources Outside the United States: Your foreign income and deductions.
    • Part II – Foreign Taxes Paid or Accrued: The taxes you paid to a foreign government onthe income listed in Part I.
    • Part III – Figuring the Credit: Calculates the maximum limit on your foreign tax credit amount for each specific category of income.
    • Part IV - Summary of Credits From Separate Parts III: Calculates your total foreign tax credit if you have more than one category of income.
  • Form 2210, Underpayment of Estimated Tax by Individuals, Estates, and Trusts

    This form is used if you did not pay enough tax throughout the tax year because your estimated payments or withholdings were too low.

    If you have income from self-employment, investments, rental properties, or other sources, you'll need to make quarterly estimated tax payments if you expect to owe at least $1,000 in tax for the year. Miss these payments, and you'll have to pay an underpayment penalty.

    *We do not support Form 2210, Underpayment of Estimated Tax by Individuals, Estates, and Trusts in our filing flow.

    • Part I – Required Annual Payment: Calculates your required annual payment, which is the smaller of 90% of your current year tax or 100% of your prior year tax (110% if your adjusted gross income on that year's return was more than $150,000, or $75,000 if your filing status was married filing separately). 

    • Part II — Reasons for Filing: Contains checkboxes for different scenarios that require you to file this form. For instance, if you're requesting a waiver for the penalty, or if your income varied throughout the year and the penalty would be reduced or eliminated when figured using the annualized income installment method.

    • Part III – Penalty Computation: Calculates the amount underpaid for each period.

    • Schedule AI — Annualized Income Installment Method: If your income varied during the year, you can reduce or possibly eliminate the penalty by computer your tax payments using the annualized income installment method in Schedule AI, part of Form 2210.

  • Form 2441, Child and Dependent Care Expenses

    This form reports care expenses for children and disabled dependents. These expenses may be eligible for a tax credit that reduces your federal income tax liability. 

    Not all child and dependent care expenses qualify for the credit. Those that do must be expenses that are necessary for the care provider to work or look for work. Additionally, if the care provider is married, generally both spouses must have earned income, unless one spouse was either a full-time student or was physically or mentally incapable of caring for themselves.

    • Part I - Information on Care Provider: Information about the care provider, including the provider's name, address, and identification number (either a Social Security number or an Employer Identification Number).

    • Part II - Credit for Child and Dependent Care Expenses: Credit calculations credit for child and dependent care expenses. The names and social security numbers of your qualifying persons.

    • Part III - Dependent Care Benefits: If you received any dependent care benefits, like those from a Dependent Care Flexible Spending Account (FSA) offered by your employer. These are subtracted from the amount of eligible expenses for the child and dependent care credit.

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