Cash App Taxes vs Keeper (2026): which should you pick?

Pick Cash App Taxes if

• Fits if you file a US individual return, even with 1099 income or stock sales
• Works for people who already hold a Cash App account

Look elsewhere if

• Not for you if you do not want a Cash App account, as you must create one to log in
• Skip it if you file for a business or outside the US, as the pages do not describe either
• Watch out: the 5-day-early refund needs the refund paid into Cash App and is an estimate, not a promise
• Watch out: it states it is not a tax advisor

Pick Keeper if

• Fits if you are a US freelancer or contractor who wants someone else to file
• Works for people who would rather be told what they can deduct than learn it

Look elsewhere if

• Not for you if you want it free, as there is no free plan and the trial needs a card
• Skip it if you track mileage, because that feature is marked coming soon
• Tight if you file in 3 or more states, since Standard covers federal plus 2 and more needs Premium
• Watch out: Bookkeeping Only is $20 a month, $240 a year, which costs more than the yearly Standard plan
• Watch out: S-Corp and partnership filing is only on the $1,199 Business plan

Cash App Taxes

• A Cash App account is required: you must download the app and create an account to log in.
• It files US federal and state returns only; the pages do not describe business or non-US filing.
• The 5-day-early refund applies only if the refund is deposited into Cash App, and is an estimate, not a promise.
• Cash App Taxes is not a tax advisor, as the vendor states on its page.

Keeper

• Bookkeeping Only does not include tax filing; the yearly Standard plan at $199 costs less than 12 months of it at $240.
• Mileage tracking and an LLC formation service are marked coming soon.
• Standard covers federal plus 2 state returns; 3 or more states, audit protection and quarterly taxes need Premium.
• S-Corp and partnership filing is only on the $1,199 Business plan.

Cash App Taxes

Federal and state e-filing

Prepares and files both federal and state returns, with the vendor stating there is no charge for either, even with deductions or credits.

Wide range of income types

The site says W-2s, 1099s, self-employment income, stock sales and bitcoin sales are covered without extra fees.

Accuracy and max refund guarantees

The vendor offers an Accurate Calculations Guarantee and a Max Refund Guarantee, both with eligibility terms and exclusions on its help pages.

Refund into Cash App

A refund deposited into Cash App can arrive up to 5 days early, based on the vendor's estimate from tax year 2024 filing data.

Account security

Requires a phone number and verification, supports authenticator-app two-factor sign-in and encrypts data in transit.

Keeper

Automatic expense tracking

Connects unlimited bank and card accounts and tracks expenses and income, with AI that finds and categorizes deductions.

Receipt scanning

Snap a receipt to add an expense or match it to a transaction, and split mixed retail orders into business and personal items.

Rules for merchants

Tell Keeper once how to treat a merchant and it applies the rule to future expenses.

Tax filing with a pro

Federal and up to 2 state returns are included on yearly plans, and a tax pro checks and signs each return.

Quarterly taxes and consultations

Premium and Business schedule estimated payments and include one-on-one consultations with a tax pro.

Business filings

The Business plan files S-Corp (Form 1120-S) and partnership (Form 1065) returns and closes the books at year end.

Cash App Taxes

• Free$0

  Federal and state filing at no cost, including 1099 income, stock and bitcoin sales.

Keeper

• Standard$199

  per year, billed yearly ($16.58 a month equivalent)

  Year-round bookkeeping plus federal and up to 2 state returns, reviewed and signed by a tax pro.

• Bookkeeping Only$20

  per month, billed monthly

  Expense tracking and deduction finding with unlimited connected accounts. Tax filing is not included.

• Premium$399

  per year, billed yearly ($33.25 a month equivalent)

  Adds audit protection, returns for 3 or more states, rentals and K-1s, quarterly taxes, tax pro consultations, amended and late returns.

• Business$1,199

  per year, billed yearly ($99.92 a month equivalent)

  Premium plus S-Corp and partnership tax filing and a year-end book review and close.