How much does Keeper Tax charge?
Keeper Tax costs $20/month or $199/year for its core freelancer tax-tracking plan, and its yearly plans include tax filing reviewed and signed by a tax pro. Its value is in automatic deduction tracking and transaction categorization, but it is more of a tax-assistant tool than a full bookkeeping platform.
Last verified 1 November 2026 · Feebite Editorial · Independent fees calculator
Reviewed independently using public pricing from keepertax.com.
Quick Verdict
Rating: 4.1/5
Best for: US freelancers, contractors, and gig workers who want automatic deduction tracking without learning full accounting software.
Not ideal for: Businesses needing full bookkeeping, invoicing, payroll, or more advanced tax planning beyond expense categorization and filing support.
Fees & Pricing — The Full Picture
Keeper Tax is positioned as a simple tax-tracking product for self-employed people in the US. Its pricing is straightforward compared with many finance tools: a monthly option, a cheaper annual option, and a separate CPA filing add-on.
The catch is that Keeper Tax is narrowly focused. You are mostly paying for automated deduction discovery and transaction categorization rather than for a complete accounting stack. That can be a good trade-off for solo freelancers, but less so for anyone wanting all-in-one business finance software.
Keeper Tax pricing
| Plan / Add-on | Price | Billed As | What it’s for |
|---|---|---|---|
| Bookkeeping only | $20/mo | Monthly | Ongoing tax tracking and auto-categorization of transactions |
| Standard | $199/yr | Yearly | Year-round bookkeeping, plus federal and up to 2 state returns reviewed and signed by a tax pro |
| Premium | $399/yr | Yearly | Standard, plus quarterly taxes, audit protection and meetings with a tax pro |
| Business | $1,199/yr | Yearly | Bookkeeping and tax filing for S-Corps and partnerships |
What the annual plan actually saves
| Option | Effective Monthly Cost | Annual Cost |
|---|---|---|
| Bookkeeping only (monthly) | $20.00 | $240 |
| Standard (yearly, includes tax filing) | $16.58 | $199 |
If you expect to use Keeper Tax all year, the annual plan saves $48 per year versus paying monthly.
Our take on the pricing
For a freelancer who regularly misses deductions, Keeper Tax’s pricing can be reasonable. If the software helps you consistently identify write-offs from bank transactions, it may quickly justify the subscription. But if your finances are already simple and you are comfortable tracking expenses yourself in a spreadsheet or inside broader accounting software, the value is less obvious.
Tax filing now comes with the yearly plans rather than as a separate add-on. If you only want bookkeeping, the monthly plan covers that, but it costs more over a full year than Standard.
Key Facts
| Fact | Details |
|---|---|
| Category | Tax |
| Pricing | $20/mo bookkeeping only; yearly plans from $199 with filing |
| Free plan | No |
| Founded | Not confirmed |
| HQ | Not confirmed |
| Best feature | Auto-categorises bank transactions for deductions |
| Worst limitation | Not a full bookkeeping platform |
What Keeper Tax Actually Does Well
Keeper Tax’s clearest strength is reducing the manual work of finding deductible expenses. For US freelancers, that matters. Expense tracking is where many self-employed people either lose time or leave money on the table.
Instead of asking you to manually label every purchase from scratch, Keeper Tax automatically scans and categorizes bank transactions that may count as deductions. That makes it especially appealing for rideshare drivers, creators, independent contractors, and service freelancers whose business spending is mixed into regular banking activity.
This is also where Keeper Tax differs from classic bookkeeping products. It is not trying to be a full finance operating system. It is trying to simplify one painful task: spotting tax deductions and keeping them organized.
That focus is useful, but it is also the source of its limitations. If you need invoicing, accounts receivable, profit-and-loss reporting, sales tax workflows, or team accounting features, Keeper Tax is not really competing on those features.
How It Compares
| Name | Fee | Best For | Verdict |
|---|---|---|---|
| Keeper Tax | $20/mo bookkeeping only; $199/yr, $399/yr or $1,199/yr with filing | US freelancers who want deduction tracking with minimal setup | Best if tax deductions are your main pain point |
| QuickBooks Solopreneur | Varies by plan | Freelancers who want broader bookkeeping alongside tax-related tracking | Better for users wanting more complete business finance tools |
| H&R Block | Varies by product | Tax filers who mainly want filing software or assisted return preparation | Better if filing is the main need rather than year-round deduction tracking |
Keeper Tax compares well on simplicity. Compared with more complete accounting tools, it is easier to understand and likely faster to start using. Compared with filing-first products, it offers more ongoing value during the year, not just at tax time.
The trade-off is depth. Broad accounting platforms usually do more. Filing-focused brands may offer stronger tax-return workflows. Keeper Tax sits in the middle: useful, narrow, and best when your problem is “I need help finding deductions.”
Pros
- Automatically categorizes bank transactions to surface likely deductions.
- Clear entry pricing: $20/mo for bookkeeping only, or $199/yr with tax filing.
- The Standard plan works out at $16.58/month, less than the monthly bookkeeping-only plan.
- Built for US freelancers and contractors rather than larger businesses.
- Yearly plans include federal and up to 2 state returns, reviewed and signed by a tax pro.
Cons
- No free plan, so casual users must commit from day one.
- Narrower scope than full accounting software for bookkeeping-heavy businesses.
- Best fit is US self-employed users; limited appeal outside that niche.
- CPA filing add-on is helpful, but not the same as comprehensive tax advisory support.
Who Should Use Keeper Tax
Perfect for: US freelancers, gig workers, and sole proprietors who want an easier way to identify deductible expenses from bank transactions and prefer a focused tax tool over full accounting software.
Skip it if: you need invoicing, payroll, deeper bookkeeping, multi-user finance workflows, or hands-on tax strategy beyond auto-categorization and an optional filing add-on.
How to Get Started
- Go to keepertax.com and review whether the $20/mo or $199/yr plan fits your budget.
- Connect the bank accounts or financial activity you use for freelance work so transactions can be analyzed.
- Review the automatic expense categories and confirm that deductible transactions are being labeled correctly.
- At tax time, use the filing included in your yearly plan.
Is Keeper Tax Worth It?
For the right user, yes — but only if you see tax tracking as the problem to solve.
If you are a freelancer who dreads sorting through purchases, Keeper Tax offers a cleaner, more focused experience than general accounting software. It can save time and reduce the chance that you miss deductions. In that sense, the product makes practical sense.
But we would not oversell it. Keeper Tax does not replace every other finance tool. It is strongest as a specialized assistant for deduction tracking. The moment your needs become more operational — invoices, bookkeeping reports, multiple revenue streams, or more advanced business setup questions — you may need to add other software or switch entirely.
So our view is slightly skeptical but positive: Keeper Tax is good at one useful thing, and its pricing is transparent. That is better than many bloated finance apps. Just make sure that one useful thing is actually what you need.
Sources checked (November 2026)
- Keeper pricing: plan prices and contents
- Checked on 1 November 2026. Keeper's pricing page no longer lists the $89 CPA filing add-on from our May 2026 review.
Frequently Asked Questions
How much does Keeper Tax cost in 2026?
Keeper Tax costs $20/month or $199/year for its core tax-tracking service. Higher yearly plans cost $399 (Premium) and $1,199 (Business). The annual plan works out to $16.58/month, which is cheaper than paying monthly if you plan to use it year-round.
Does Keeper Tax have a free plan?
No. Keeper Tax does not offer a free plan. To use the service, you’ll need to choose either the $20/month option or the $199/year plan.
What is Keeper Tax best for?
Keeper Tax is best for US freelancers and contractors who want automatic deduction tracking from bank transactions. Its main strength is auto-categorising spending to help identify write-offs. It is less suitable if you need full bookkeeping features, but the $20/month or $199/year pricing is straightforward for a focused tax tool.
This review was last updated November 2026. Fees and availability may change — always check Keeper Tax's website for the latest information.