AI solution · Keeper · Finance

Keeper

Keeper scans your accounts year-round to find tax write-offs and file your return — built for freelancers and small-business owners.

Independent overview by new Mantra · updated July 22, 2026

Category: Finance
Pricing: Bookkeeping $20/mo; bookkeeping + tax filing $199/yr (Standard), $399/yr (Premium), $1,199/yr (Business)
Implementation: Under 1 week
Adoption risk: Low
Integrates with: Plaid, Chase, Bank of America, PayPal, Venmo, Stripe

Visit Keeper ↗

What Keeper does

Keeper connects to your bank accounts, credit cards, and payment platforms and continuously classifies your transactions. Its AI flags purchases that qualify as business deductions, including ones that are commonly overlooked, so you're not leaving money on the table when tax time arrives.

When you're ready to file, Keeper prepares and submits your federal and state returns as an IRS-authorized e-file provider. Every return is reviewed and signed by a human tax professional before it goes out. For more complex situations — LLCs, S-Corps, rental properties, K-1s — higher-tier plans include a dedicated accountant and quarterly support.

The solution also lets you upload a prior-year return so the AI can analyze it for missed opportunities. A built-in tax assistant handles quick questions, and you can book one-on-one calls with CPAs or IRS Enrolled Agents for deeper guidance. Keeper reports more than $1.2 billion in tax savings uncovered across its users and over 20,000 five-star reviews.

Key capabilities

Automatic deduction tracking

Keeper links to accounts via Plaid, Chase, Bank of America, PayPal, Venmo, and Stripe, then classifies transactions and surfaces write-offs on an ongoing basis — not just at tax season.

Federal and state e-filing

The platform prepares and files your return directly with the IRS as an authorized e-file provider, covering both federal and state filings in a single workflow.

Human accountant review

Every return is reviewed and signed by a CPA or IRS Enrolled Agent before submission, with options for one-on-one consultations and year-round support on higher-tier plans.

Prior-year return analysis

Upload a past return and Keeper's AI scans it to identify deductions or strategies that were missed, which can inform how you approach the current tax year.

Complex-situation coverage

Keeper handles a wide range of tax scenarios including S-Corps, LLCs, rental properties, K-1s, foreign income, crypto, and AMT — with plan tiers matched to that complexity.

Tax planning and education

The platform includes calculators for refunds, tax rates, and quarterly estimates, plus more than 200 tax guides and an ask-an-accountant feature for on-demand answers.

Best for

Freelancers and 1099 contractors who want deductions found automatically without manual bookkeeping
Single-owner businesses, sole proprietors, and LLCs looking to reduce their tax burden with minimal effort
Business owners with complex filings — S-Corps, rental properties, investments, or K-1s — who want both software efficiency and human accountant oversight
Self-employed people who have previously used a traditional CPA or general tax software and suspect they are missing write-offs
Anyone who wants to catch up on unfiled returns from prior years (Keeper supports filing up to five years back)

Worth knowing

Keeper requires linking financial accounts to work as intended; businesses unwilling to connect bank or payment accounts to a third-party platform will not get full value from the deduction-tracking feature.
Pricing scales with complexity: deduction tracking runs $20/month, annual plans range from $199 to $1,199 depending on your situation, and state filing adds cost at lower tiers — worth comparing against your current CPA or tax-software spend.
The solution is designed for individual filers, freelancers, and small-business entities; larger businesses with multi-entity structures or enterprise-level accounting needs should evaluate dedicated accounting platforms instead.
While human accountants are part of the service, the depth of access — dedicated accountant, quarterly support, amendment coverage — depends on which plan you choose; the entry-level tier is more self-serve.
Implementation is low-risk and estimated at under one week, but you'll need to gather prior-year tax documents and financial account credentials to get started efficiently.

Ready to see Keeper in action?