Why Freelancers Are Switching from Keeper Tax to RightOffs

If you are a freelancer or 1099 contractor, you may have tried Keeper Tax and found that it works, but something feels off. Maybe it is the price. Maybe it is the reports you cannot get. Maybe you just need more room to grow. Here are the concrete differences.

• Cost. RightOffs Pro is $15/month versus Keeper Tax's $20/month for tracking. On annual billing RightOffs is $150/year, while Keeper's tracking plan is monthly only and works out to $240/year. That is $90 a year, or $270 over three years.

• Free plan. RightOffs has a free forever tier with one bank connection and Profit and Loss reports. Keeper Tax offers a 14-day trial and no free plan, so there is no way to keep using it long term without paying.

• Unlimited bank connections. RightOffs Pro connects unlimited accounts. Keeper Tax caps at 10 financial institutions.

• Profit and Loss reports. RightOffs generates P&L reports with categories mapped to Schedule C lines on every plan, including the free one. Keeper Tax does not include P&L preparation even on Premium. It is sold as a paid add-on.

• Lifetime option. RightOffs offers Founder's Access at $300 one time, forever. Keeper Tax has no lifetime tier.

These are not minor differences. They affect what you pay, how much of your business you can actually track, and what you hand your accountant in April.

Deep Dive: Pricing and Plans

Here are both pricing structures side by side.

RightOffs

• Free Plan. $0 forever. One bank connection with automatic sync, manual transaction entry, Profit and Loss reports, and one business. Enough to test the product properly or to run a small operation indefinitely.

• Pro Plan. $15/month or $150/year, which is two months free. Unlimited bank connections, unlimited businesses, Classes for project and client tracking, receipt storage, and AI receipt scanning.

• Founder's Access. $300 one time for lifetime access to everything in Pro. No recurring fees, priority email support, and early access to new features.

Keeper Tax

• Only deductions. $20/month. Expense tracking and deduction export. Does not include filing.

• Standard, also called Filing plus deductions. $199/year. Adds federal and state e-filing for up to 2 states, up to 10 connected financial institutions, and tax pro review.

• Premium. $399/year. Adds returns for 3 or more states, a dedicated accountant, quarterly tax support, and one amendment.

• Business. $1,199/year. S-Corp and partnership filing.

The thing worth noticing is that Keeper Tax's entry point for expense tracking is $20/month and does not include filing. Filing starts at $199/year paid upfront. RightOffs Pro at $150/year is a tracking product and prices like one.

Deep Dive: Reports and CPA Handoff

Keeper Tax exports a Schedule C deductions spreadsheet. That is fine if all you need is numbers to type into tax software.

RightOffs generates a Profit and Loss report on every plan, with categories mapped to Schedule C lines. You see revenue, expenses, and net profit, and the same report is what you hand to your accountant. Keeper Tax's own help documentation states that even Premium does not include preparing P&L statements, and sells P&L preparation as a paid add-on.

For freelancers who work with a CPA, that difference is the whole point. You generate the report and hand it over already categorized, so your accountant is not rebuilding your books from raw bank statements. With Keeper Tax you export a deductions spreadsheet and your CPA works from that.

Deep Dive: Bank Connections and Growing Into Them

As a freelance business grows it picks up accounts. A business checking, a savings set aside for taxes, a card or two for expenses, PayPal and Stripe for payments.

Keeper Tax caps you at 10 financial institutions. RightOffs Pro has no cap. If you bank in more places than that, or expect to, you never have to decide which accounts are worth tracking and which ones you will reconstruct by hand later.

RightOffs also includes Classes, which Keeper Tax has no equivalent for. Classes let you tag transactions by project, client, or partner, so you can see which work is actually profitable. If you juggle several clients and have never been able to answer which one is worth the trouble, that is the feature that answers it.

Pro also covers unlimited separate businesses under one account, which matters if you have a side operation running alongside the main one.

Who This Is Actually For

The DIY filer. You use tax software to file your own return. You need clean expense tracking and a P&L to enter accurate numbers. RightOffs gives you that without charging for filing features you are not going to use.

The CPA client. You have an accountant. You need to give them organized books instead of a folder of statements. RightOffs produces a P&L mapped to Schedule C lines that goes straight to them.

The multi-account freelancer. You have money moving through more than 10 institutions. Unlimited connections mean every account is tracked.

The long-term user. You plan to keep freelancing. Founder's Access is $300 once. Five years of Keeper Tax tracking alone runs about $1,200.

Where Keeper Tax Is the Better Choice

Keeper Tax files your taxes. RightOffs does not.

Every Keeper filing plan includes federal and state e-filing with a return reviewed and signed by an in-house tax professional, and Premium assigns you a dedicated accountant. If you want one product that both tracks your expenses and files your return, Keeper Tax is the better fit, and this page is not trying to talk you out of it.

RightOffs is for people who file themselves with tax software, or who already have a CPA and want to hand over cleaner books.

Migration Walkthrough: Switching from Keeper Tax to RightOffs

1. Sign up for RightOffs Free. Go to rightoffs.com and create an account.

2. Connect your accounts. Plaid handles the connection to checking, savings, credit cards, PayPal, and Stripe. Your bank credentials never touch RightOffs servers. Transactions sync automatically from there.

3. Export your data from Keeper Tax. Keeper Tax lets you export your deductions from within the app, which gives you a record of how everything was categorized.

4. Decide on historical data. RightOffs does not import directly from Keeper Tax. Most people starting mid-year simply start fresh from the current date, since prior-year figures already live in their filed return or with their CPA. If you want the earlier months in RightOffs, enter them manually.

5. Set up your categories. Categorize your recurring merchants once. RightOffs remembers each one and sorts future transactions from that merchant automatically. If you are unsure about something, AI suggests a category and you review and confirm it.

6. Generate your first P&L. After a few weeks of data, run a Profit and Loss report and check that the categories look right.

7. Cancel Keeper Tax. Once you are settled, cancel to avoid paying for both.

You can stay on the RightOffs free plan through all of this for as long as you want.

Final Thoughts

RightOffs covers the gaps Keeper Tax leaves open for people who do not need filing bundled in: a free tier that does not expire, no limit on connected accounts, P&L reports mapped to Schedule C on every plan, and a one-time option instead of a subscription that never ends.

If you want your taxes filed for you, stay with Keeper Tax. If you want clean books and you handle the filing yourself or through your accountant, start on the free plan and see what your numbers look like.