Does FreelanceCFO file my taxes like Keeper does?

No. FreelanceCFO estimates what you owe each quarter and keeps your income and expenses organized, but it does not prepare or file a return. Keeper lists federal and state filing, reviewed by a tax pro, on its Standard, Premium and Business plans.

Which is cheaper, Keeper or FreelanceCFO?

FreelanceCFO has a free plan, and Pro is $10 a month for the first 100 customers and $20 a month after that. Keeper starts at $20 a month for bookkeeping without filing, or $199 a year with filing, as listed on its pricing page on 24 September 2026. The fair comparison depends on whether you need filing included.

Does Keeper calculate my quarterly estimated taxes?

Keeper lists paying quarterly taxes, meaning scheduling estimated payments, on its Premium and Business plans. FreelanceCFO estimates every quarter on every plan, including Free, and shows the deadline, but you make the payment yourself through the IRS.

Can I move from Keeper to FreelanceCFO?

You can export transactions from most tools as a CSV file and import them into FreelanceCFO, then add your clients and open invoices. There is no direct connection between the two products.

FreelanceCFO vs Keeper: filing versus the year before it

By FreelanceCFO. Reviewed 24 September 2026.

Short answer

Keeper is built to find your write-offs and file your return, with a tax pro signing it on its annual plans. FreelanceCFO does not file anything: it answers the questions in between, like how long your cash lasts, what to set aside from this invoice, and which client is actually worth your time.

Both tools are made for people who earn 1099 income, so the overlap is real. The difference is where each one spends its effort. Keeper's pricing page leads with automatic expense tracking and tax filing. FreelanceCFO leads with runway and cash planning for income that arrives in lumps. Plenty of people could reasonably use both.

Feature by feature

Keeper and FreelanceCFO compared
	Keeper	FreelanceCFO
Price	$20 a month (Monthly, no filing), $199 a year (Standard), $399 a year (Premium), $1,199 a year (Business). Source	Free plan. Pro Early Bird $10 a month for life for the first 100 customers, then Pro at $20 a month. Source
Free trial or free plan	14 day free trial on every plan. Source	Free plan with no time limit and no credit card.
Files your tax return	Yes on Standard and above: federal plus up to 2 state returns, reviewed and signed by a tax pro. Monthly does not include filing. Source	No. You file with TurboTax, a tax pro, or anything else, using the numbers FreelanceCFO keeps.
Expense tracking	Automatic, with unlimited connected accounts and AI deduction categorizing. Source	Manual entry and CSV import today. Automatic bank sync is rolling out and is not yet available to everyone.
Quarterly estimated tax	"Pay quarterly taxes" (schedule estimated payments) is listed on Premium and Business. Source	Every quarter estimated from your actual income and expenses, with the deadlines on screen.
Cash runway	Not listed on the pricing page. Source	Months of runway and a projected zero date from your real balance and burn.
Client profitability	Not listed on the pricing page. Source	Effective hourly rate per client, from what each client actually paid.
Invoicing	Not listed on the pricing page. Source	Create invoices and see what is unpaid and how late it is.
Human tax pro	Returns reviewed and signed by a tax pro on Standard and above; one-on-one consultations on Premium and Business. Source	No. FreelanceCFO gives estimates, not tax advice.
AI assistant	AI categorizes deductions and answers "Is this deductible?" questions. Source	Lance answers questions about your own invoices and clients and drafts follow-up emails. It never sends anything by itself.

Keeper details from keepertax.com/pricing, checked 24 September 2026. Keeper also marks income tracking and mileage tracking as coming soon on that page.

Which one to pick

Choose Keeper if

You want one subscription that tracks deductions and also files your federal and state returns.
You want a tax professional to review and sign the return.
Most of your transactions sit on cards and accounts you can connect, and you would rather not enter anything by hand.
You run an S-Corp or partnership and want that filing handled (Keeper lists it on its Business plan).

Choose FreelanceCFO if

Your main worry during the year is cash: how long it lasts, and what the next quarterly payment will take out of it.
You want to see which clients pay well per hour once revisions and slow payment are counted.
You want invoices, runway and tax estimates in one view rather than tax only.
You already have a way to file and want the numbers ready when you get there.

Can you use both?

Yes, and it is a sensible split. Keeper covers deductions and the filing itself. FreelanceCFO covers the months between filings, which is when most freelancers get caught out: a slow quarter, a client who pays 60 days late, or a September estimate that lands the same week as rent. Nothing about either product stops you using the other.

Try FreelanceCFO free: runway, quarterly tax estimates and client profitability in one place. No credit card.

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Sources

Checked on 24 September 2026. Prices and features change, so follow the link before you rely on any of them.