Keeper Tax
AI-powered tax filing and deduction tracking for freelancers and 1099 workers
How it works
Keeper (formerly Keeper Tax) is an AI-powered tax filing and expense tracking platform built for freelancers, independent contractors, and small business owners. It connects to bank and credit card accounts via Plaid and uses machine learning to automatically identify potential business deductions from transaction history. Users can upload receipts, track mileage, and monitor estimated quarterly taxes throughout the year. At tax time, a human tax professional reviews the return for accuracy and signs before e-filing. Keeper handles Schedule C, W-2 income, investment income, rental properties (Premium), and S-Corp/Partnership returns (Business plan). It is available on iOS, Android, and web.
Is it right for you?
Consider if you
- 1099 contractors and freelancers who want hands-off deduction finding and tax filing
- Self-employed workers who struggle to identify business deductions from bank transactions
- Those wanting a cheaper alternative to a CPA for Schedule C tax preparation
Skip if you
- W-2 only employees (overkill; IRS Free File or basic software is sufficient)
- Complex business structures needing multi-entity or multi-state tax strategy
- Those who prefer in-person tax professional relationships
Your money and data
Keeper uses bank-level 256-bit encryption for all user data in transit and at rest. Financial account connections are read-only through Plaid, a SOC 2 compliant data aggregator trusted by major financial institutions. All tax returns are reviewed by human tax professionals before filing. Keeper includes audit protection on all plans to cover professional representation. The company states it does not sell or share user financial data for advertising purposes.
Pros & Cons
Pros
- AI automatically scans bank transactions to find business deductions a human might miss
- Human tax professional reviews and signs every return before filing (not just software-generated)
- 50-70% cheaper than a traditional CPA for most freelancers' tax situations
Cons
- Complex tax situations (K-1s, AMT, foreign income, rental properties) require Premium plan at $399/yr
- No in-person meetings with tax professionals (all communication is digital)
- Limited to US federal and state tax returns only
Pricing details
Just Filing ($99/yr): federal + state e-filing, audit protection, max refund guarantee, 300+ credits supported. Standard ($199/yr): adds AI deduction tracking, up to 10 linked accounts, quarterly tax support, tax pro review and signature, Schedule C, W-2, investment income, up to 2 states. Premium ($399/yr): adds dedicated 1:1 accountant, K-1 support, Schedule E (rentals), AMT, foreign income exclusion, EV credits, one prior-year amendment, 3+ states. Business ($1,199/yr): adds S-Corp (1120-S), Partnership (1065), Form 941, year-end bookkeeping close. 7-day free trial available.
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