TaxFlow vs Keeper Tax — Which is Better for Freelancers? (2026)

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Bottom line

TaxFlow wins on price (real free plan vs $199/year), privacy (local storage vs server-side), and has a desktop app. Keeper wins if you want the tool to actually file your taxes for you.

Feature	TaxFlow	Keeper Tax
Free plan	✓ Yes — real free plan	✗ No free plan
Starting price	$0 free / $20/mo paid	$199/year (~$16.58/mo)
CPA export on free plan	✓ Included	✗ Paid only
Bank statement PDF import	✓ 9 banks supported	Limited
Direct bank connection	✓ Via Plaid	✓ Via Plaid
Data stays on your device	✓ Privacy-first	✗ Server-side storage
Desktop app	✓ Windows & Mac	✗ Web only
Mileage tracking	✓ Built in	✓ Built in
Home office deduction	✓ Built in	✓ Built in
Tax filing included	No (organizer only)	✓ Files your taxes

The key differences

Price. TaxFlow's free plan includes CPA export — the most important feature for most freelancers — with no trial expiry and no surprise charges. Keeper starts at $199/year with no free tier. If you just need to get organized and hand off to your own CPA, TaxFlow is the obvious choice on price alone.

Privacy. TaxFlow is built as a privacy-first application. Your financial transaction data is stored locally in your browser — not on TaxFlow's servers. Keeper stores your data server-side. If keeping your financial data off third-party servers matters to you, TaxFlow has a structural advantage.

Tax filing. Keeper's biggest advantage is that it can actually file your taxes for you (for an additional fee). TaxFlow is an organizer, not a filing tool — it gets your records perfectly organized for your CPA or for importing into a filing tool. If you want everything in one place including filing, Keeper is worth considering at the higher price point.

Desktop app. TaxFlow has native desktop apps for Windows and Mac. Keeper is web-only.

Who should choose TaxFlow

Freelancers who already have a CPA and need to get organized before handing over records
Anyone who wants a free plan with real features — not a crippled trial
Contractors who care about financial data privacy
Users who want a desktop app alongside the web version

Who should choose Keeper

Freelancers who want a single tool that handles both organization and tax filing
Anyone who doesn't already have a CPA and wants everything handled for them

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