# Keeper review (2026): is it worth $199 a year? > Expense tracking and tax filing for freelancers and contractors Checked Nov 12, 2026 ยท graded Nov 13, 2026 by ToolGPA. Keeper is a US app for freelancers, contractors and small business owners that connects bank and card accounts, finds and categorizes deductions, and files federal and state tax returns. Yearly plans include a tax professional who reviews and signs the return; a monthly plan covers bookkeeping only. It runs on the web and as an iOS and Android app. - **Category:** Accounting & Invoicing - **Made by:** Keeper Tax, Inc. - **Website:** https://www.keepertax.com - **Runs on:** Web, iOS, Android - **Who should skip it:** Not for you if you want it free, as there is no free plan and the trial needs a card. - **Facts last checked:** Nov 12, 2026 ## Pricing As of Nov 12, 2026, Keeper is a paid product with a free trial, starting at $199 per year ($16.58 a month, billed yearly). - **Pricing model:** Free trial - **Free plan:** None. - **Free trial:** 14-day free trial on every plan; cancel before it ends and you are not charged. | Plan | Price | What you get | | --- | --- | --- | | 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. | Read from https://www.keepertax.com/pricing on Nov 12, 2026. Prices change, so confirm with Keeper before buying. ## Key features - **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. ## Good for - Freelancers and contractors who want deductions found automatically - Solo owners who want filing and bookkeeping in one subscription - S-Corps and partnerships that want a filer included ## Worth knowing - 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. ## ToolGPA grades **GPA: 2.0 out of 4**, graded Nov 13, 2026. Keeper finds expenses to write off and has a tax professional file your return, from $199 a year. There is a 14-day trial but no free plan, and mileage tracking is still marked coming soon. - **Value for money: C.** Standard is $199 a year, about $16.58 a month, inside accounting's $14 to $52 middle band. Premium is $399 and Business $1,199. - **Free plan and trial: D.** 14-day trial on every plan, and you cancel before it ends to avoid being charged, which means a card goes in first. - **Features: C.** Expense tracking, receipt scanning, rules and filing with a pro. Mileage tracking and an LLC service are marked coming soon, and S-Corp and partnership filing sits on the $1,199 plan. - **Ease of use: C.** No store rating on record. Linking your bank and setting rules comes first. - **Platforms and integrations: B.** Web, iOS and Android; no integrations on record. These are ToolGPA's own grades. Graded from this listing, whose facts were read from Keeper's own pages on 12 November 2026. Not based on using the product, and shorter than our full reviews. ## Where it stands among accounting and invoicing tools - Keeper's GPA of 2.0 is higher than 11 of the 65 other accounting and invoicing tools we grade, and level with 10. - It stands best on platforms and integrations (B, above 13 of 65) and worst on free plan and trial (D, above 11). - Its paid plans start at $16.58 a month when paid by the year, against a middle price of $18.09 for the category: 26 of the 54 others that charge start lower. - On features, ease of use and platforms it scores 2.3 out of 4. 8 tools score higher and cost less. The category's chart of price against score: https://toolgpa.com/charts/accounting ## Keep it, or make your own? **Keep it.** To replace Keeper you would be making live feeds from your bank, which take an agreement with each bank or a service that has them. That is not a weekend's work, with an AI app builder or without one. That makes this kind of software worth paying for, not this one in particular: 44 of the 65 other accounting and invoicing tools grade higher. It costs $199 a year. - You could make: Expense tracking: an app builder makes this well. - You could not: Live feeds from your bank, which take an agreement with each bank or a service that has them. - You could not: A real app for iOS and Android. Something home-made would be a web page. - You could not: AI features, unless you pay a model provider for each request yourself. A judgement by ToolGPA from this listing, by rules that are the same for every tool. Nothing was built to test it. ## What people say - **App Store rating of the iPhone and iPad app:** 4.8 out of 5 from 12,798 ratings in the United States, read Nov 13, 2026. This is the store's rating of the app, not a score from ToolGPA. Source: https://apps.apple.com/us/app/id1471090941 **Tags:** Bookkeeping, Expense tracking, AI features ## Alternatives - [TaxAct](https://toolgpa.com/tools/taxact): Online and downloadable tax filing for individuals and businesses. [Compare](https://toolgpa.com/compare/keeper-tax-vs-taxact) - [Hurdlr](https://toolgpa.com/tools/hurdlr): Mileage, expense and tax tracking app for freelancers. [Compare](https://toolgpa.com/compare/hurdlr-vs-keeper-tax) - [QuickBooks Online](https://toolgpa.com/tools/quickbooks): Cloud accounting from Intuit, from a free plan to 25-user Advanced. [Compare](https://toolgpa.com/compare/keeper-tax-vs-quickbooks) - [Wave](https://toolgpa.com/tools/wave): Free invoicing and bookkeeping for US and Canadian small businesses. [Compare](https://toolgpa.com/compare/keeper-tax-vs-wave) - [FreshBooks](https://toolgpa.com/tools/freshbooks): Invoicing and accounting for freelancers and service businesses. [Compare](https://toolgpa.com/compare/freshbooks-vs-keeper-tax) ## Sources The prices, plans, platforms and features above were read from these pages on Nov 12, 2026: - https://www.keepertax.com/pricing - https://www.keepertax.com/ - https://www.keepertax.com/about Page: https://toolgpa.com/tools/keeper-tax Listed by ToolGPA (toolgpa.com).