Getting started with Keeper

Start tracking write-offs. Save on taxes.

• Keeper’s Expert Plan and Add-On Services

  Running a business comes with unique tax responsibilities, and no two businesses have the exact same needs. That’s why Keeper offers flexible support—ranging from individual add-on services you can purchase as needed, to comprehensive plans designed for S-Corp or Partnership owners who want everything handled from start to finish.

  With Keeper, you have the freedom to stay on a lower-cost plan and pay for services à la carte, or you can upgrade to the Expert Plan for bundled, full-service support at a better value. Either way, you’ll work with experienced tax professionals who ensure your filings are accurate, timely, and tailored to your business.

  
  Full-Service Tax Support for S-Corp or Partnership Owners

  If you’re running an S-Corp, your tax needs are more complex than those of a sole proprietor. Keeper offers flexible subscription plans and add-on services designed to simplify compliance, reduce stress, and save you time. Whether you want to stick with a personal tax filing plan and purchase services individually, or upgrade to the Expert Plan for full-service support, Keeper has you covered.

  Operating as an S-Corp

  Choosing S-Corp taxation comes with added administrative requirements, such as:

  • Setting and paying yourself a “reasonable salary”
  • Filing Form 941 quarterly (employment tax)
  • Filing Form 940 annually (unemployment tax)
  • Issuing and filing your own W-2 with the IRS
  • Tracking business expenses
  • Filing your S-Corp tax return (Form 1120-S) by March 15 each year

  Keeper’s tax experts can handle all of these requirements for you—or only the parts where you’d like extra support.
  
  Setting Up an LLC
  
  If you do not already have an LLC and are interested in an S-Corp election, we recommend using Swyftfilings.com to establish an LLC. You’ll receive a 10% discount if you use this link. 

  Expert Plan Add-on – $750/year (Premium plan required)

  Our Expert Plan Add-on is the most cost-effective way for a tax expert to prepare and file both your business (S-Corp/partnership) and personal tax returns. With this add-on, you get:

  • Preparing and filing Form 2553 (S-Corp election)
  • S-Corp or Partnership tax return preparation & filing (up to 5 members)
  • Automatic business expense tracking
  • Federal and state individual tax prep & filing
  • Quarterly estimated tax guidance
  • Audit protection & support
  • Year-round tax advice via Ask chat
  • One 1:1 call per quarter with your assigned expert

  By upgrading to the Expert Plan, you get a bundled deal that’s more cost-effective than purchasing services individually.

  Keeper’s Add-On Services

  You have the option to purchase services à la carte. Keeper’s add-ons cover specialized and advanced tax needs, including:

  • S Corporation and Partnership tax filing (Forms 1120-S, 1065)
  • S-Corp Election assistance
  • Multi-state tax filings (2+ states)
  • Foreign tax scenarios (Dual Status Returns and FEIE)
  • Profit and Loss Statements
  • Tax planning guidance
  • Issuing 1099s
  • 1:1 accountant consultations
  •  And more!

  These services are available for an additional fee and are still far more affordable than traditional accounting firms. 

  How Keeper’s Add-On Services Work

  When you request add-on services, you’ll be matched with a dedicated tax expert who will prepare your filings and guide you through the process. We’ll ensure that your K-1 income and other business details flow seamlessly into your personal 1040 return—keeping everything accurate and consistent.

  Important Considerations

  If you need to:

  • Form an S-Corp or partnership
  • File an S-Corp or partnership return (1120-S or 1065)
  • Issue 1099s
  • Schedule a 1:1 accountant call

  …it’s best to complete these steps before submitting your personal 1040 return. Doing so ensures that your personal filing reflects the most accurate and complete picture, avoiding delays or amendments later.

  Add-on Services Pricing

  In addition to what’s included with your subscription, Keeper also offers human-based add-on services for more complex tax needs. Pricing depends on the specific service requested and may vary based on the complexity of your situation. Below is a general guide to our standard pricing, but for an exact quote, we recommend reaching out to us directly.

  Service	Price
  Partnership or S-Corp Return	$750
  S-Corp Election (Form 2553 + Call/Advice)	Included in Expert Plan Add-on or  $75 for Form 2553 + Premium plan for the call
  Employment Form 941 (quarterly)	$50 (with return) / $65 (without return)
  Annual Form 940	$65
  Filing & Issuing W-2	$75
  1099s	$50 per client setup + $35 per form issued
  FBAR/FinCen Reporting	$125 + $18 per account (after 10 accounts)
  Form 8938	$50
  Form 966 + Revocation	$125
  Profit & Loss (P&L) Statement	$200
  Business Bank Statement Bookkeeping	$200
  Dual Status Returns (1040 + 1040NR)	Premium plan + $350
  Form 1040 with Schedule C (gross earnings > $1 million)	Premium plan + $200
  Form 1040NR Return	$350
  Additional Tax Pro Call for Premium Subscribers	$60
  Form 1041 Trust or Estate Return	$375
  Foreign Earned Income Exclusion (FEIE)	Premium plan + $125
  Form 990 (Non-Profit Return)	$375
  Reasonable Salary Analysis	$150
  Estimated Tax Liability Analysis	$200

  Take the Stress Out of Tax Season

  Whether you want to keep things simple with add-on services or upgrade to Expert for an all-in-one solution, Keeper makes managing your taxes easier, more affordable, and far less stressful.

  Reach out today to get started—and let Keeper’s tax experts handle the hard parts for you!

• FAQ

  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, small business owners, and freelancers discover deductions and file taxes. By linking your accounts, our expense tracking app lets us track and categorize your business expenses as they happen throughout the year — creating a list of business deductions that will save you time and money when you file your taxes. Deductions will automatically be applied to tax returns filed with Keeper.  You can interact with our AI tax assistant via the Ask tab in the app and get help from a tax assistant staff member. Our team of tax professionals and experts is always on standby to assist you with tax-related questions!
  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?	You can use the deductions you've tracked in the Keeper app to estimate how much your deductions will be for the entire year. This will help you determine your estimated net self-employment annual income, which is what your quarterly tax payments should be based on. You can user Keeper's free Quarterly Tax Calculator and read more about quarterly taxes here: https://www.keepertax.com/quarterly-tax-calculator
  I have multiple LLCs. How do I separate my expenses for each business within the app?	If your LLCs are single-member, the IRS treats you and your LLCs as a single entity for tax purposes. This means you can track all your business expenses together. To add your LLCs in your tax profile, go to the Deductions tab, select the three-dot menu, and then choose Tax Estimate. From there, go to Freelancing Details to add your LLCs. Once added, you can split your expenses between your LLCs using the app’s smart split feature. Simply select an expense marked as a deduction, and you’ll see an option to override the smart split. Please note that if you have a multi-member LLC, such as a partnership or S-Corp, you should not track its expenses in the app along with your other self-employment income sources. These need to be tracked separately outside the app.
  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. Every return filed with Keeper is reviewed by a tax expert before it is filed, so we need to charge for the subscription before we send it to the IRS.
  How can I add receipts to the app?	Tap on the corresponding transaction and select 'Add receipt photo'.
  Can I deduct the income I pay to myself?	For sole proprietors and single-member LLCs, paying yourself (owner's draws) is not considered a deduction so we won’t track it in the app.
  How can I update my filing status in the app?	You can update your filing status and other personal information anytime from your tax profile. Just go to the Deductions tab, select the three-dot menu, and choose Tax Estimate. This will ensure the best estimates 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, you can do so from the “Household Details” section.
  Does Keeper track mileage?	Keeper doesn’t track mileage directly, but we provide a free template that you can use to record it. You can access the mileage template here: https://www.keepertax.com/posts/mileage-log-template If you use your car for work, we automatically track your car-related expenses, such as gas and maintenance. In some cases, this could be more beneficial for you at tax time! When you file your taxes with Keeper, you can enter your mileage information along with your vehicle details in the File Taxes tab. This information will help us decide whether you should claim your actual car expenses or opt for the standard mileage deduction.
  How much does Keeper cost?	We offer different subscription plans to fit your needs. Filing + Deductions – $199/year: Best for freelance (1099) or business income. Includes tax filing and the ability to claim 1099/business deductions.  Premium – $399/year: Our most comprehensive plan, including everything in the Deductions + Filing plan plus prior-year returns, amendments, quarterly tax support, 1:1 quarterly calls with a tax pro, and personalized assistance for complex tax situations. Only Deductions – $20/month: Track deductions for freelance (1099) or business income without filing taxes.
  Can I pay the annual subscription in installments?	We are not currently offering any installment plans for our annual subscription. We do have a monthly subscription of $20 per month, but it does not include tax filing.
  How do I log into the Keeper app?	Press “Get started” or "Login" 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 6-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?	If you have a single-member LLC, the IRS considers you and your single-member LLC or 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've already filed an individual tax return. 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 have a multi-member LLC, such as a partnership or an S-Corp, Keeper can assist you with filing your business return through our add-on services. Simply reach out, and we’ll provide more details.
  How do I include my LLCs information or my EIN on my tax return?	The IRS considers you and your single-member LLC or sole proprietorship to be one entity for tax filing. We’ll use your social security number to file your income taxes - no need to include your EIN or LLC information. You can enter the income you received from your business in the Freelance income section of the tax filing menu and add all your expenses from the Deductions tab in the Keeper app.
  I have foreign income, how do I include this when I file taxes?	If you have paid taxes to another country, our Premium subscription ($399/year) includes preparing your return and applying the Foreign Tax Credit (FTC) to help avoid double taxation.  For digital nomads or expats with more complex situations, such as qualifying for the Foreign Earned Income Exclusion (FEIE) or navigating foreign bank account reporting (FBAR) requirements, we offer specialized tax support through our add-on services. You can learn more about our add-on services here: https://www.keepertax.com/consultation-with-a-tax-pro
  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 percentage, or business phone usage?	You can adjust your vehicle, home office, and phone business usage percentages in your tax profile. Simply go to the Deductions tab, select the three-dot menu, and choose Tax Estimate.
  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. We suggest adding a photo of the receipt to the app when possible. Bank statements can also be used in some instances as evidence of an expense when a receipt isn't available.
  Where do I enter my medical expenses?	You can track your medical expenses in the app by categorizing them as “medical expense” under the Deductions tab. Please note that these are considered personal deductions, but they’ll automatically appear in the File Taxes tab if you choose to itemize your personal deductions during filing. Itemized deductions include premiums for health insurance, medical and dental bills, mortgage interest paid, real estate taxes, gambling losses, 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. Note that the amount you can deduct for medical expenses depends on your total medical costs and your adjusted gross income (AGI). Generally, you can deduct medical and dental expenses that exceed 7.5% of your AGI for the tax year.
  It is saying my income is lower than my deductions.	You can check your total deductions in the Deductions tab or by exporting them. 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 Deduction 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 includes preparing complex tax returns, filing prior-year returns and amendments, estimating quarterly taxes, providing one-on-one consultations with a tax pro each quarter, and audit resolution support. Premium subscribers are assigned a dedicated tax expert who can answer tax questions and prepare returns, including those involving complex situations such as rental income, S-Corp shareholder income, foreign tax credit, and more.
  I need an export of my expenses.	To export your tracked expenses, go to the 'Deductions' tab, choose the year you want to export, and select the three-dot menu in the top-right corner. 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 let us know and we will further assist you.
  I need a letter from my tax preparer or a CPA.	Keeper is unable to provide a comfort letter. As a software company that aids in self-prepared returns, we lack the capability to verify whether or not you were self-employed. Verification of such information lies solely with you. However, we can certainly assist you by providing a copy of your return and Schedule C, which you can utilize to verify your income information.
  I thought Keeper was free. I’ve been using it for a while, but now it’s suddenly 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 access 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/month, which includes expense discovery and tracking, as well as access to a tax deduction summary file and a 24/7 AI Tax Assistant. You can also request assistance from a staff member for further help. You can view subscription options in the “Manage Subscription” settings in the app and start a 14-day free trial.
  How do I delete my Keeper account and data?	You can delete your Keeper account and all associated data from the “Manage Subscription” settings in the Keeper app. Important: Be sure to export your deductions before deleting your account. Once deleted, all your linked banks and deduction records will be permanently removed, and your account will be unrecoverable.
  Can I deduct charitable donations?	We don’t track charitable expenses as deductible in the app since they aren’t business expenses. However, you can categorize them as “charity” in the Deductions tab, and these expenses will automatically be included in the File Taxes tab if you choose to itemize your personal deductions during filing. Itemized deductions include premiums for health insurance, medical and dental bills, mortgage interest paid, real estate taxes, gambling losses, 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.
  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 $3,000 computer for my business with Keeper?	If the business-related cost of the computer is less than $2,500, you can categorize it as "supplies" in the app. Remember to deduct only the portion that is used for business purposes. If the business-related cost exceeds $2,500, it will be classified as a "capital expense" and will not be included with your Schedule C business expenses. Generally, equipment costs over $2,500 must be depreciated as a capital asset instead of being claimed as a business expense deduction. If you need assistance with depreciating the cost of your computer, we can help you with this when you file your taxes with us through our premium subscription.
  I received a 1099-K and 1099-NEC from Uber, how do I enter this? I think the 1099-NEC amount is included in the 1099-K 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 6-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.
  I have my Capital One card linked, but it’s not displaying all my 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.
  I'm married filing separately, do I need to include my ex's SSN/information?	If you are still legally married but separated, you have a few options for your filing status: "Married Filing Jointly," "Married Filing Separately," or "Head of Household." If you choose to file as married (either jointly or separately), you will need to include your spouse’s information. If you have a dependent, you can opt to file as "Head of Household," which allows you to file without including your spouse’s information.
  The amounts listed on my 1095-A for my monthly premium vary. What should I enter?	If the monthly premium amounts on your 1095-A are different, please request assistance from a staff member in the Ask tab. We’ll be happy to help you correctly include your 1095-A amounts on your return.
  I have another Keeper account. Is there a way to recover it?	If you haven’t deleted your other Keeper account, you can easily recover it by logging in to the app using the email address or phone number associated with that account.
  Can you file my C-Corp taxes?	Keeper supports C-Corp filings through our add-on services. This service incurs an additional fee and requires manual preparation by one of our tax pros. If you’re interested, just reach out to us, and we’ll be glad to assist you further. Please note that if you have other self-employment income sources, we recommend not tracking your C-Corp’s expenses in the app. Instead, use the app to track your Schedule C business expenses.
  Where can I add my property taxes?	When you file your tax return with Keeper, you can enter your property taxes if you choose to itemize your personal deductions instead of selecting the standard deduction. However, if you have a home office for your 1099 work or business, you can classify this expense as "Home Office Expense" in the app. This lets you deduct it directly instead of itemizing it on your return.
  How can I view my expenses from each bank account or card?	To filter your expenses by account, navigate to the Deductions tab and select the 'Account' filter at the top of the page. Then, choose the specific bank account or card you want to view, and it will automatically display all expenses associated with that account.
  How do I delete all my expenses and start over?	At the moment, we don’t have a feature that allows you to delete all your expenses and reset your account. However, you can recategorize any expense in the Deductions tab of your app or dashboard. Just select the expense you want to edit, and you can adjust its amount, category, or mark it as deductible or personal. If needed, you also have the option to delete your Keeper account in the Settings tab > 'Manage subscription' section and create a new one. For expenses that you've manually added, you can delete them by selecting the expense and choosing the delete option. Please note that this option is only available for manually added expenses, not for those imported from your linked account.
  Why is my tax bill so high?	The amounts on your tax return are based entirely on the information and income you've provided to us. If this information is accurate, then the figures on your tax return should also be correct. You can revisit the File Taxes tab to check the information you've entered. If you’d like a draft copy of your return for a more detailed review, you can email yourself a copy directly from the same tab.
  Can you send me a copy of my W-2 or 1099 form?	The fastest way to obtain your W-2 or 1099 form is to reach out directly to the issuer, such as your employer or client. However, if you filed with us and uploaded your forms during the process, you can easily download a copy from the File Taxes tab. Just select the return you filed with us, and you’ll find the option to download a copy of your return along with the tax forms you uploaded.
  Why did I stop receiving messages about my expenses?	We have switched to a notification-based system for tracking expenses, replacing the previous text-based system. This means you will no longer receive expense messages in the chat. You can update your notification preferences regarding deductions anytime in the Settings tab under Notifications.
  Why can't I start filing my quarterly taxes within the app?	You can visit the Settings > Tax University > Quarterly Taxes section in the app to find more information about quarterly taxes and use our quarterly tax calculator. If you’re accessing your account online, you can find the quarterly tax calculator here: https://www.keepertax.com/quarterly-tax-calculator Please note that our tax filing system within the app is designed only for your annual federal and state return. We also offer a premium subscription that provides access to a tax expert who can assist you in calculating your quarterly tax payments.
  How would I file an amended return without the Premium subscription?	If you choose to file an amended return on your own, you may find this IRS guide useful: https://www.irs.gov/filing/file-an-amended-return
  I've changed my phone number and can't log in to my Keeper account. What should I do?	If you're unable to log in with your phone number, please try using the email address you registered with Keeper. After entering your email, we’ll send you a security code to help you log in. Once you’re logged in, make sure to update your phone number by going to Settings > Login Credentials.
  Do you have CPAs?	All tax returns are reviewed by experienced tax experts, each of whom is a registered agent. Our premium subscription also includes access to a dedicated tax expert who can answer your specific tax questions.
  How much will I receive as a tax refund?	You can use the "Estimate my Refund" feature in the File Taxes tab of the Keeper app to know how much you will owe in taxes or if you're due a refund. However, please note that this calculator does not consider all your income, credits, and deductions, but it's still helpful for getting a rough estimate. If you're accessing your account via the Keeper website, you can use this calculator instead: https://www.keepertax.com/1099-tax-calculator Additionally, you can complete the filing process in the File Taxes tab and submit your tax file for review. Our team of tax experts will review your tax return for accuracy. Once the review is complete, you can return to the same tab to see if you owe taxes or are due a refund. If you have already filed your tax return, you can go back to the File Taxes tab to check your tax bill/refund details.
  Will your system be able to identify all of my deductions?	We highly recommend reviewing all your expenses in the Deductions tab to ensure everything is properly accounted for. As Keeper learns your spending habits over time, it will better identify which purchases are consistently personal or business-related. Some transactions will be automatically categorized, but for others, you'll need to manually mark them in the app.
  Can we schedule a call or in-person meeting?	Keeper’s Premium subscription includes a free 1:1 call with a tax pro every three months. Once you’re subscribed to Premium, go to the Tax Pro section of the Keeper app or your online dashboard to schedule a call. If you need additional calls, you can book them for just $60 each.
  How can I obtain a copy of my Schedule C?	Keeper automatically prepares your Schedule C based on the income and deductions you report. You won't be able to view it until your tax return is finalized. If you’ve already submitted your tax return with us, you can download a copy of your return, including your Schedule C, in the File Taxes tab.
  Do you assist with filing sales and use tax returns and/or franchise taxes?	Currently, Keeper only supports the filing of annual federal and state tax returns. We do not handle sales and use tax returns and/or franchise taxes. For more information on how to file these, we recommend visiting your state’s website.
  Do I need to complete and submit W-9 and W-4 forms myself, or does Keeper assist with this?	You will need to fill out and submit W-9 and W-4 forms directly to your clients or employers. Keeper does not manage the completion or submission of these forms on your behalf, but we can offer guidance on how to fill them out.
  Is Keeper hiring? How can I apply?	You can explore current job opportunities by visiting our Careers page under the About Us section on our website at https://www.keepertax.com. Just scroll to the bottom of the homepage to access it.
  Do you support filing for non-resident aliens (Form 1040-NR)?	Keeper supports filing for non-resident aliens (Form 1040-NR) through our add-on services. This service incurs an additional fee and requires manual preparation by one of our tax pros. If you’re interested, just reach out to us, and we’ll be glad to assist you further.
  Does Keeper file business taxes?	Keeper offers add-on services for business tax filings, including S-Corp and partnership returns. One of our experienced tax professionals will personally handle both your business and personal returns, making the entire process seamless and stress-free. Since this is an add-on service, an additional fee will apply on top of your subscription. You can learn more about our add-on services here: https://www.keepertax.com/consultation-with-a-tax-pro If you're interested, let us know, and we'll be happy to assist you with the next steps!

   

   

• What is Keeper?

  Keeper is an app that connects to your bank to automatically identify and categorize expenses that may qualify for tax deductions, thereby helping you uncover tax breaks! We help independent contractors, freelancers, and small business owners discover deductions and file taxes. Our ultimate goal? To help you save on taxes!

  Why is it so crucial to track your business deductions? Simply put, business deductions are your best friend if you have any type of 1099 or self-employment income. You can deduct anything you purchase for your work, but for it to be deductible, it must be tracked.

  Don't confuse this with the standard deduction you claim when filing your tax return. As a self-employed individual, you can claim the standard deduction and deduct business expenses. While this might seem confusing, you can find a detailed explanation in our article, “Can I Take the Standard Deduction and Deduct Business Expenses?”

  So, how do deductions work? Essentially, a portion of every dollar you spend on your business can reduce your tax bill at the end of the year. Without diligent tracking, you risk overpaying on your taxes, leaving money on the table that could have stayed in your pocket.

  With Keeper, you ensure that every business expense is tracked, every deduction is applied, and filing taxes is as efficient as possible. This not only saves you money but also frees up valuable time to focus on growing your business. Our app offers a variety of services tailored to meet your needs. You can view our subscriptions to see which plan is best for you! Whether you prefer to simply track your expenses or take full advantage of our app by also filing your taxes, we’ve got you covered. 

• How Keeper works

  Tax deductions can be a game-changer for self-employed individuals, but tracking them can often feel like a full-time job. Our app is designed to simplify the tax deduction process for self-employed individuals and small business owners by linking directly to your bank accounts. This integration allows Keeper to automatically track and categorize your business expenses throughout the year, so you can effortlessly maximize your tax savings.

  Here’s how Keeper works its magic to help you find and manage your deductions with ease.

  1. Seamless Expense Tracking

  Keeper links directly to your bank accounts and credit cards, allowing it to track and categorize your expenses as they happen throughout the year — creating a list of deductions that will save you time and money when you file! This automatic tracking ensures that no deductible expense slips through the cracks. Whether you’re a delivery driver needing to deduct gas and car maintenance or a real estate agent managing costs like office space and client photography, Keeper keeps a detailed record of all your eligible expenses.

  2. Automate Your Deductions

  When you subscribe to Keeper, you’re not just getting a simple tracking tool. You’re accessing premium expense management software that learns about your job and the types of expenses you incur. For recurring expenses like utilities or subscription services, Keeper prompts you to set up "rules" to automate their categorization. This means you won’t have to manually track these deductions each month — Keeper does it for you!

  3. Customizable Rules

  You have the flexibility to create your own rules within the app. Whether it's for business deductions or personal expenses, you can set rules for how different types of charges should be categorized.

  You can easily review and update these rules via the app by accessing the Deductions tab, and selecting the 'create a rule' icon, found next to the + icon in the upper right corner.

  For more detailed instructions on how to create rules, you can check out our Deductions tab article.

  4. Effortless Tax Filing

  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 the app or 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!

  5. Expert Assistance Whenever You Need It

  Why spend time researching tax questions or scheduling appointments with a CPA when Keeper provides around-the-clock support? Every Keeper subscriber has access to our 24/7 AI chatbot, backed by a team of agents and tax experts ready to assist you with:

  • Double-checking tricky deductions
  • Setting up and managing rules
  • Answering complex 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 you have questions about your tax situation or need assistance with the app, your tax assistant is here to help.

  In essence, Keeper isn’t just about managing your expenses — it’s about transforming the way you handle your finances. Think of us as your personal tax concierge, dedicated to maximizing your tax savings and helping you understand the often-confusing world of taxes.

• How to sign up for Keeper

  Excited to create a Keeper account? Getting started is a breeze! Just head over to our website and click on "Try for free" to set up your account.

  You'll need to provide your phone number and email address. These will be used for logging into your account, though you can update them anytime through the app once your account is set up.

  Next, you'll answer a few questions designed to help us understand your spending habits better, which will enable our app to track your deductions more effectively. We encourage you to provide accurate answers to make the most out of our services.

  Additionally, you can download our app from the Apple App Store or the Google Play Store to enjoy seamless access on your mobile device.

  

  After setting up your account, you'll select a subscription plan and enter your preferred payment method. Then, you can enjoy a 14-day free trial to explore the features our app has to offer! For more details on the free trial and our subscription options, be sure to check out our informative articles Subscriptions and Keeper's Free Trial.

• Keeper's free trial

  Still unsure if Keeper is the right app for you? No need to stress! When you create an account, you'll receive a 14-day free trial to explore the app and its features. After the trial period, you'll be automatically charged for the plan you chose during sign-up unless you cancel your account beforehand.

  Here’s a quick overview of our subscription options, which you can learn more about here.

  • Only deductions: $20/month
  • Filing + deductions: $199/year
  • Premium: $399/year

  During the free trial, you'll be able to explore the app and its features, getting a firsthand look at how our service works. You can even complete the filing process and submit your tax return for review.

  Our team of tax experts will carefully review your return for accuracy and provide you with details on your tax bill or refund. Plus, you’ll have access to our 24/7 AI Tax Assistant, and if you need more personalized help, our human support team is always ready to assist.

  📝 Note: The free trial doesn’t include exporting a copy of your deductions or submitting your return for IRS filing. For those features, you'll need at least the monthly (Only Deductions) plan to export deductions and one of our yearly plans (Filing + Deductions or Premium) to file your state and federal taxes with us.

  You won't be charged if you cancel your subscription before the free trial ends. If you miss the deadline and get charged, just let us know, and we'll be happy to assist you.

  Convinced? Great! Just head over to the Apple App Store or Google Play Store to download the Keeper app. Answer a quick questionnaire, and you'll be on your way to saving money. Who wouldn't want that?

   

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• Managing Your Linked Accounts

  Connecting your business accounts to track deductions is a crucial step in setting up your account. We recommend connecting any accounts you use for business purchases, whether it's a checking account or credit card.

  How To Connect Your Accounts

  To connect your accounts, log into the app and go to Settings > Linked accounts > Connect another account. Just follow the prompts, and you'll have them connected in no time.

  You can connect as many cards or bank accounts as you like. The more accounts you link, the more we can help you maximize your tax savings.

  What to do when your bank is not listed

  If you don’t see your bank on the list, no need to worry. Plaid connects with nearly 11,000 financial institutions, but not all banks are supported yet. If your bank isn’t listed, you can link another supported account to help track your business expenses.

  Plaid frequently adds new institutions, so it’s a good idea to check back periodically for updates. In the meantime, you can still keep your records up to date by adding expenses manually. Simply go to the Deductions tab and select the + icon in the top-right corner. From there, you can add an expense manually or upload a PDF, XLSX, or CSV file containing expenses from that account or card.

  How to remove accounts

  If you need to remove an account, go to Settings > Linked Accounts, tap the account you want to unlink, and follow the prompts. Each sub-account must be removed individually.

  If you’re unable to add or remove an account, you may need to update your sharing preferences directly on your bank’s website.

  How to update your bank's sharing preferences

  Log into your bank's website and locate the section where you manage connected apps. Find Plaid, which is the service that connects your accounts to Keeper. From there, you can adjust Plaid's access to your bank accounts, including adding or removing specific accounts.

  After you've linked your accounts

  Once your accounts are linked, they'll appear in Settings > Linked Accounts. You can then choose how each account is used:

  • Sometimes used for 1099/freelancing-related purchases
  • Never used for 1099/freelancing-related purchases
  • Always used for 1099/freelancing-related purchases

  Your selection will determine how transactions from each account are categorized in the app.

  When you select Sometimes used for 1099/freelancing-related purchases, the app will automatically differentiate between 1099 work-related (deductible) expenses and personal (non-deductible) ones. If there's an expense that needs clarification, it will be flagged with a yellow light bulb icon, suggesting that you review and categorize it correctly as either a deduction or not.

  

  If you select Always used for 1099/freelancing-related purchases, these expenses will appear normally with a green checkmark to the left, indicating they are being tracked as deductions.

  

  If you select Never used for 1099/freelancing-related purchases, these expenses will still be shown; however, they will appear dimmed or faded with an 'x' to the left, indicating they are personal expenses and not deductible.

  

  If you don’t want to see transactions from an account that’s used only for personal expenses, you’ll need to remove it from your linked accounts. To do this, go to Settings > Linked accounts > select the account you want to remove > Remove this account.

  📝 Note that removing an account will not delete any expenses already pulled in, but it will stop new transactions from importing. You can use the bulk editing tools and the account filter to quickly mark those past expenses as personal, so they won’t appear in your deductions spreadsheet.

  Also, keep in mind that at least one account must remain linked in order to manually add expenses in the app. If you’d prefer not to link your bank cards, we recommend connecting a PayPal account—it’s widely accessible, easy to set up, and works well for this purpose.

• 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 Linked accounts section or by clicking on this link: https://keeper.tax/link-cards. 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 Linked 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.

  Plaid regularly adds new financial institutions, so it’s a good idea to check back periodically for updates. In the meantime, you can still track your expenses by uploading a PDF, XLSX, or CSV file. To do this, go to the Deductions tab, select the + icon in the top-right corner, and choose Upload Expenses.

  Your bank is supported by Plaid, but some sub-accounts aren’t showing in Keeper

  Plaid may support your bank, but some account types might not be compatible. If you're not prompted to select certain accounts during the linking process, and they use the same bank login as your other accounts, those account types may not be supported for linking to Keeper through Plaid.

  In this case, you can upload a PDF, XLSX, or CSV file of your business expenses from that account. Simply go to the Deductions tab, select the + icon in the top-right corner, and choose Upload Expenses.

  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 to link during the initial setup, you’ll need to link all sub-accounts first. After that, you can remove any you don’t want to track by going to Settings > Linked accounts in the app, selecting the account, and choosing Remove account.

  Please note: Removing an account won’t delete expenses already pulled in, but it will stop new transactions from importing. You can use the bulk editing tools and the account filter to quickly mark past expenses as “personal,” so they won’t appear in your deductions spreadsheet.

  If you’re still unable to adjust which accounts are linked, you may need to update your sharing preferences directly on your bank’s website. To do this, log in to your online banking portal, navigate to the section for managing connected apps, and locate Plaid. From there, you can add or remove the specific accounts Plaid (and Keeper) can access.

  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.

  Your most recent expenses are not showing up

  It may take 1 to 3 days for your most recent purchases to show up, depending on your bank. If you notice missing transactions or if your recent transactions still aren’t appearing after three days, try removing your linked account and then re-adding it from the Linked accounts settings. This will prompt our system to re-scan your transactions.

  Your account is already linked, but your expenses aren’t going back far enough

  If your linked bank account or card isn’t showing enough past expenses, try going to Settings > Linked accounts, removing the account, and then relinking it to rescan your transactions.

  Our app can track up to 18 months of transaction data, but the exact amount of history available depends on your bank’s policy. Some banks only allow us to access a few months of past transactions.

  If you’ve already removed and relinked your account and still don’t see older expenses, it’s likely that your bank is limiting how far back we can pull data. In that case, you can upload a PDF, XLSX, or CSV file of your missing business expenses from that account. Simply go to the Deductions tab, select the + icon in the top-right corner, and choose Upload Expenses.

  Your account has been unlinked for some time without your notice, causing your expenses to stop updating

  No need to worry! You can remove your unlinked account and then re-add it from the Linked accounts settings in the app. This action will prompt our system to rescan your transactions and identify deductions.

  You'll still need to review your transactions and mark any that the app isn't certain about. Additionally, you can set rules for transactions, and the app will retroactively apply those rules to other relevant transactions.

  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 let us know so we can take a look to further assist you.

   

  📝 Note: If you have multiple Keeper accounts, linking the same card or bank account to more than one account will cause the card or account to be unlinked from both. To avoid creating duplicate accounts, always log in with the original phone number or email address you used when signing up.

  Also, relinking your account will not delete any expenses that have already been tracked by the app. If you want to exclude expenses from a linked account, you can mark them as personal in the Deductions tab. This will ensure those expenses are left out of the exported copy of your deductions.

• Your profile and login credentials

  Your Profile 

  To view your Tax Profile information, go to the Deductions tab, select the three-dot menu, and choose Tax Estimate.

  Having detailed information about your employment and income helps us understand your tax situation more accurately. This enables us to build a custom profile for you, maximizing your tax-related benefits.

  Household Details: This section includes your filing status, state of residency, number of dependents if any, W-2 employee income, and freelance income.

  

  Freelancing/business details: Here, you can specify the type of job or business you have, whether you travel for work, work from home, drive for work, or discuss work during meals.

  Business use percentages: If you use your car or other resources for work, you can only deduct the percentage of expenses related to your business use. This is known as your business-use percentage. You can set the appropriate percentages for your car, phone, and public transport use here.

  

  Taxes Paid, Credits, and Deductions: Here, you can enter details about the federal and state income taxes withheld from your W-2, or any quarterly tax payments you’ve made. You’ll also have the option to indicate if you qualify for any of the following credits or deductions: student tuition payments, mortgage interest, or traditional IRA contributions.

  

   

  Login Credentials 

  To access your Login credentials go to the Settings tab > Login credentials. 

  Keeper uses email and your phone number (via SMS) to log you in, so it is important to keep these details updated! 

  Here, you can easily update your name, email address, and phone number.

  

  📝 Note: Since you can log in using either your phone number or email address, if you’ve forgotten one, lost access to it, or changed your contact details, you can still use the other to access your account. Once you're logged in, be sure to go to the Settings tab > Login and credentials section to update your phone number or email address.

  If you have any questions or concerns, please don't hesitate to let us know! We'll be happy to help you out.

   

• Exporting your deductions

  One of the key features we provide is the ability to export your deductions. To access this option, you’ll need an active subscription plan (at least the monthly plan) to download an export copy.

  We track your expenses throughout the year, ensuring they’re readily accessible whenever you need them. If you’d like a copy of your deductions to print or use elsewhere, you can easily export them as a spreadsheet. Please note, however, that the export will only include business-related expenses or those eligible for your Schedule C (Form 1040). While you can track personal expenses within the app, the export feature is designed exclusively for business deductions.

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

  

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

   

  How to export a copy of your deductions

  Exporting a copy of your deductions from Keeper is quick and easy. Whether you need a record for yourself, your accountant, or another tax software, follow these steps to get your expense data.

  Steps to Export Your Deductions

  1. Open the Keeper app or your web dashboard and go to the Deductions section.
  2. Select the tax year for which you want to export your expenses.
  3. Tap or click the three-dot menu in the top-right corner and choose Export Deductions.

  

  Choosing Your Export Option

  When exporting from the Keeper app, you’ll have the option to generate a copy:

  • For your personal records
  • For your accountant
  • For use with other tax software

  

  If you choose "For my accountant," you can enter their email address to have the export sent directly to them. Just select "Connect my accountant," and they’ll receive an email with a download link.

  

  Receiving Your Export

  If you choose to export a copy for your own records, you’ll receive an email with 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!

  💡Tip: You can easily export a copy of your deductions for both the current and previous years. If you've been tracking your expenses with us for a longer period and need copies for earlier years, simply let us know, and we’ll be glad to send you the information via email.

   

  Understanding your export copy

  In this section, we’ll help you navigate your export copy, detailing each sheet and how to organize your expenses to suit your needs.

  The first sheet, titled 'Schedule C Categories,' provides a summary of your total expenses categorized by Schedule C. This summary can assist you in completing your Schedule C (Form 1040) when filing your taxes. If you choose to file your taxes with us, we’ll automatically complete the Schedule C form for you, along with your reported self-employment or business income.

  

  The second sheet, 'Other Expenses - Grouped,' presents the total of expenses listed under 'Other Expenses' from the first sheet. Here, you’ll find business expenses that don’t fit into specific Schedule C categories, such as software, storage, shipping and more, which are categorized as Other Expenses.

  

  Finally, the third sheet, 'All Business Expenses,' encompasses all the business expenses you’ve tracked with us. It includes additional details such as the purchase date, expense/merchant name, amount, Schedule C category, expense subtype, and any notes you’ve added.

  

  If you want to view your expenses within a specific date range, you can easily sort the expense date column from the most recent to the oldest, or vice versa.

  If you need to calculate the total for a specific expense or category, you can sort the expenses in the third sheet alphabetically and then add the amounts by category or expense name.

  

  Note: While the app is great for tracking your business expenses and filing your return, the exported copy of your deductions cannot replace actual receipts or bank statements during an audit. We’ll provide you with an export of the expenses you've tracked in the app, including your notes, but this is just to guide you when gathering the necessary receipts and bank statements to verify your business expenses.
  

• 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.