Getting started with Keeper

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.

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!

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!
Can Keeper set up my quarterly tax payments for me?	Yes! We can do this for you automatically so you don’t have to worry about paying on time or underpayment penalties. Keeper can advise you about quarterly tax payments and set them up to be automatically withdrawn from your bank account by the IRS if you file your tax return with Keeper with our Premium plan. You’ll be asked about setting up quarterly tax payments during the questionnaire portion of the Keeper tax filing process. If you miss the question during the questionnaire, you can add ‘Schedule 2025 Quarterly Tax Payments’ by selecting +Credits and Deductions in the final summary before submitting your tax information to us for review. We must schedule the payments when filing your return. Otherwise, we can still provide quarterly tax assistance, but you’ll need to make the payment on the IRS website using the instructions we provide.

 

 

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. 

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.

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.

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?

 

Keeper offers flexible subscription options to meet a variety of tax needs. Here's an overview of the available plans:

Only deductions - $20 billed monthly

This subscription includes access to the app and all of the expense-tracking features Keeper has to offer. You can request an export of the deductions you tracked throughout the year wherever you are ready to file taxes. Note: This plan does not include tax filing with Keeper.

Filing + deductions - $199 billed yearly 

This subscription includes everything in the Only deductions subscription, plus the ability to file your taxes with us at no extra cost. It ensures that all of your deductions are automatically secured on your return! 

Premium - $399 billed yearly

This subscription includes all features of the Filing + deductions plan, plus additional services such as filing amendments, handling prior year returns, quarterly tax assistance, complimentary one-on-one quarterly calls with our tax experts, and personalized support for complex tax scenarios.

More about Keeper's Premium subscription

What’s included? 

If your tax situation isn't supported by traditional tax software, Keeper's Premium plan can provide you with access to a tax professional who can assist you with:

• Complex Tax Returns: If you have Schedule K-1s, rental income, and other complex tax scenarios related to sole proprietorships.
• Amendments: We can amend your tax return for various situations, like overlooked income or missed credits. The Premium plan covers up to three amendments, with an additional fee for any beyond that. To get started, go to File Taxes and select 'Amend a Return' under Other Available Services.

• Quarterly Tax Assistance: We help you calculate your estimated taxes for each quarterly deadline and provide clear guidance on when and how to make your payments. Premium subscribers can schedule federal quarterly tax payments for the current year during the filing process, so you don’t need to make payments manually each quarter.

  If you’ve already filed your current-year return with us, simply reach out to our team, and we’ll assist you in manually scheduling your quarterly payments.

• Prior Year Returns: In addition to your current-year tax return, Keeper can also help you catch up on prior-year filings. You can file your 2022–2024 returns directly through the Keeper app. If you still need to file for 2021 or earlier, our team can assist you with those as well—simply reach out and we’ll be glad to help. Please note that additional fees may apply for older returns, depending on the tax year and the number of filings needed.
• Audit Resolution Support: In the event of an audit, we’ll help you get to a resolution with the IRS, providing audit resolution support if necessary and supporting you in abating any penalties incurred.
• 1:1 Consultation Call with a Tax Pro: As a Premium user, you’ll get a free 1:1 consultation with your tax expert every quarter. You can easily book your call through the Tax Pro section of your online dashboard or the File Taxes tab in the app.

What’s not included?

The Premium Plan covers nearly all tax situations, but there are a few exceptions. It does not include filing S-Corp or partnership taxes, expat taxes, or additional bookkeeping services like preparing P&L statements. If your needs fall outside the scope of this plan, we recommend exploring our add-on services, which offer support for a variety of tax scenarios.

Important note: We don't offer financial guarantees on your refund amount, meaning we're not responsible for covering any discrepancies if you're audited due to an unintentional error in your reporting.

We work diligently with the information you provide, carefully requesting all the necessary details to calculate and prepare each return accurately.

How do you sign up?

If you're a current Keeper user, you can upgrade to the Premium subscription from the 'Manage subscription' settings in the Keeper app. If you don't see the premium option or didn't get a prompt to sign up for Premium during registration, just let us know, and we'll quickly assist you in getting started.

Keeper's Add-on Services 

Keeper has expanded its services to offer personalized support for a wider range of business tax needs. These services include, but are not limited to:

• S-Corp and partnership tax filings
• Foreign taxes (digital nomad and expat)
• S-Corp formation
• Issuing 1099s
• 1:1 call with an accountant
• Bookkeeping services, such as P&L preparation

For a full breakdown of our add-ons and pricing, visit the Keeper Expert Plan and Add-On Services article.

We get it. Dealing with your financial information is something we take seriously. We use state-of-the-art, banking-grade encryption to keep your personal information safe. That's why we partner with Plaid to securely link your accounts to our app. 

When you connect your financial accounts to the Keeper app using Plaid, you’ll be prompted to enter the username and password associated with those accounts (Heads up! We don't have access to your login information or bank account details.) Plaid then links your accounts to our app, so we can find your qualifying business deductions. It's that easy!

You can learn more about Plaid here.

 

By participating in the Keeper referral promotion (the "Program"), you agree to the following terms and conditions (the "Terms"). Keeper may at any time and in its sole discretion, without prior notice, terminate, cancel, suspend or modify the Program or these terms. If you are the person inviting friends to participate, you are a "referrer" under these terms, and if you are a person who receives an invitation, you are a "referee." 

Eligibility and Overview 
You may participate in this Program as a referrer until the Program is terminated or modified by Keeper. If you refer a referee prior to Keeper’s termination or modification of the program, you and such referees will still be eligible to earn the reward described below even if the referee does not fulfill the Reward Criteria (defined below) before such termination or modification.  

To be eligible to earn rewards through the Program, each referrer and referee must have (or sign up for, in the case of referees) a Keeper account in good standing (“Valid Account”) at the time of participation through when their reward(s) are issued. For an account to be “Valid”, the account must have an email and phone number unique to that Keeper account - the email and phone number must not be used with any other Keeper account.

A referrer may refer a referee by sending them an email, text, social post, or similar communication that includes a link to participate in the Program, as provided by Keeper (“Invitation”). Each referee must complete all the following steps (“Reward Criteria”) within ninety (90) days of the date on which the referrer’s referral link was created Pacific Time): 

a. Sign up for a Valid Account for the first time via the link sent by the referrer. To be eligible, referee’s phone number or email used to sign up cannot have been previously associated with a Keeper account.  Signing up for a Valid Account may require certain actions to verify the Valid Account and is subject to the Keeper User Agreement; and 

b. Complete a payment for a full-price Keeper annual plan or premium plan; and

c. Wait for 30 days without reversing the completed payment by any means, including but not limited to requesting a refund, issuing a credit card dispute, etc.

At Keeper’s discretion, we can waive these requirements.

Limits on Referrals 
There is a limit of ten (10) rewards per referrer Valid Account.  If two or more referrers invite the same referee, Keeper will credit the reward to the person who has their Invitation accepted first, as determined in Keeper’s sole discretion.

Reward
The reward is $50 USD sent to the Valid Account that qualified for the reward.  Rewards will be sent to the email address provided by the referrer via Paypal after 30 days have elapsed from the start of the referee’s subscription start date.

Receiving and Using Rewards
Keeper reserves the right to limit, cancel, delay, or revoke a reward if Keeper determines, in its sole discretion, that an eligible participant has violated these Terms or the Keeper User Agreement or has acted in a fraudulent or abusive manner, or if Keeper restricts or closes their Valid Account pursuant to the Keeper User Agreement.  

Keeper may provide an alternate reward of equal value if it is unable for any reason to fulfill the reward. Reward redemptions are final, will not be returned, and are subject to review and verification.  

Keeper is not responsible and/or liable if any e-mail, reward, referrals, or Program-related materials or correspondence are lost, fraudulent, abusive, stolen, late, incomplete, illegible, interrupted, delayed, altered, defective, misdirected, tampered with, or irregular in any way or if any participant’s e-mail address, Valid Account, or other contact information does not work, is deleted, or is changed without participant giving prior written notice to Keeper. 

Program is void where prohibited or if Eligible Participant’s accounts or transactions are fraudulent, abusive, not completed through legitimate channels, in violation of these Terms, or irregular in any way. 

By participating in the referral program, you agree that Keeper may disclose customer information about you to persons who refer you to Keeper or who you refer to Keeper. 

Governing Law: This Promotion is governed by California law. By entering, entrants agree to be bound by these terms and conditions and the Keeper User Agreement. Any questions relating to the offer will be resolved in Keeper’s sole discretion and its decisions related to the offer will be final and binding. 

Sponsor: Keeper, 44 Montgomery Street Suite 02-176, San Francisco, California 94104