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 > 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.

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 

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 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.

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.