Filing taxes

FREE state + local tax filing with an annual subscription

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

    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 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!

    On the Keeper app

    Once the review process is done, go back to the File Taxes tab within the app, tap on the lower left navigation icon, then tap on 'File taxes.'


    Navigation: File Taxes tab -> Lower-left navigation icon -> File Taxes


    After tapping on 'File Taxes', a message will pop up asking you if you'd like to edit your tax return.


    Navigation: File Taxes tab -> Lower-left navigation icon -> File Taxes -> Edit your return and re-submit?



    On the web dashboard

    If you go back to 'File Taxes' within the web dashboard, 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 this page showing your tax file summary. You can edit your return by clicking on 'Edit' on the right side of your tax info.


    Navigation: File Taxes -> Next -> 'Edit'


    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:

    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 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.