Managing your account

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

When you select "Used for 1099 work & personal expenses," 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 “Used only for 1099 work expenses ,” these expenses will appear normally with a green checkmark to the left, indicating they are being tracked as deductions.

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.

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 > Connected financial 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!

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: 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 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 upload a PDF, XLSX, or CSV file of your business expenses from that account or card by logging into your Keeper account online. Then, go to the Deductions tab on your web dashboard, click "Add Expense," and select "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 log into your Keeper account online, go to the Deductions tab on your web dashboard, click "Add Expense," and select "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 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.

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 'Connected financial 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 the "Connected Financial Accounts" section under Settings, remove your account, and then link it again to rescan your transactions.

Keep in mind that while our app can track up to 18 months of transaction data, this depends on your bank’s policy. Some banks only allow us to access a few months of your transaction history.

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 access. In this case, you can manually add your past expenses by selecting the "+" symbol in the Deductions tab.

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 'Connected Financial 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 to more than one account will cause the card 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 'not deductible' in the Deductions tab. This will ensure those expenses are left out of the exported copy of your deductions.

Your Profile 

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

💡 Although Keeper doesn’t generate profit and loss (P&L) statements since we don’t track income, you can still export your expenses and use another service to create your own P&L statement.

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

To export a copy of your deductions, start by going to the 'Deductions' section in the app or web dashboard. Next, choose the tax year for which you want to export expenses, then select the three-dot menu in the top-right corner.

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!

📝 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, such as obtaining a total for each expense category.

📝 Currently, the app does not provide a total amount of your expenses by category. If you need to calculate the total, we suggest exporting a copy of your deductions.

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.

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.