Managing your account

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/Profile > Linked accounts > select the account you want to remove > Remove account.

When you remove an account, you can choose whether to keep or delete the expenses that were already imported from it. Removing the account will always stop new transactions from being imported.

 

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.

Your account has been unlinked

If your bank account becomes unlinked from Keeper, we’ll send you a notification letting you know that you need to relink it. You can relink your account by going to Settings in the mobile app or Profile in the online dashboard, then selecting Linked accounts. You can also relink your account directly here: https://keeper.tax/settings/linked-accounts 

If relinking doesn’t resolve the issue, try removing the account from Keeper and then linking it again from scratch.

To remove an account, go to Linked accounts and select the account you’d like to remove.

 

Your bank isn't on the list when you try to link your account

Keeper uses Plaid to securely connect your bank accounts and cards. When you choose to link an account or card, Plaid will show you a list of supported financial institutions. If your bank or card doesn’t appear on the list, it means Plaid doesn’t support it yet.

📝 There are two exceptions: Apple Card can be linked through the Keeper iPhone app using Apple Wallet (iOS 17.4 or later), and Amazon can be linked from Settings/Profile > Linked accounts.

Plaid regularly adds support for new financial institutions, so we recommend checking back from time to time.

In the meantime, you can still track your expenses by uploading a PDF, XLSX, or CSV file. You can upload an expense file under Linked Accounts > Expense uploads, or go to the Bookkeeping tab, select the + icon or Add Transaction in the upper-right corner, and choose Upload transaction list.

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. You can upload the expense file under Linked Accounts > Expense uploads, or go to the Bookkeeping tab, select the + icon or Add Transaction in the upper-right corner, and choose Upload transaction list.

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

If you weren’t able to choose which sub-accounts to link during the initial setup, you’ll need to link all available sub-accounts first. You can then remove any accounts you don’t want to track by going to Settings/Profile > Linked accounts, selecting the account, and choosing Remove account.

When you remove an account, you can choose whether to keep or delete the expenses that were already imported from it.

If you’re still unable to change which accounts are linked, you may need to update your sharing preferences through your bank’s website. Log in to your online banking portal, find the section for managing connected apps or third-party access, and look for Plaid. From there, you may be able to add or remove the specific accounts that Plaid—and therefore 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/Profile > 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.

You can upload the expense file under Linked Accounts > Expense uploads, or go to the Bookkeeping tab, select the + icon or Add Transaction in the upper-right corner, and choose Upload transaction list.

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 Keeper account will cause it to be unlinked from both accounts. To avoid creating a duplicate Keeper account, always log in using the original phone number or email address you used when you signed up.

Relinking a bank account or card won’t delete any expenses that Keeper has already tracked.

If you want to exclude expenses from a linked account, you can mark them as personal in the Bookkeeping tab or delete them. Expenses marked as personal or deleted won’t be included in your exported deductions.

 

Your Profile 

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

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 Bookkeeping tab.
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.

There are several sheets in your export copy:

Schedule C Category Totals

This sheet shows your business deduction totals organized by Schedule C category. You’ll see a separate Schedule C tab for each job or business you’ve added to Keeper. These totals can make it easier for you or your accountant to review your deductions and prepare your tax return.

All Transactions List

This sheet contains a complete list of the business deductions Keeper has recorded for the year. Each transaction includes the date, merchant name, status, amount, category, and subcategory.

If you have multiple jobs or businesses, the list will also show the percentage of each expense allocated to each job, so you can see how your expenses are being split.

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 All Transactions 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, but this is just to guide you when gathering the necessary receipts and bank statements to verify your business expenses.
 

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.