Keeper

Keeper starts from the problem most freelancers actually have: business and personal spending mixed together, receipts in a shoebox, and deductions discovered too late. Connect your bank and card accounts and it scans transactions — including looking back over past activity — categorises them, and prompts you to confirm whether purchases were for work, building a year-round record aimed squarely at your tax return. Unlike a general ledger, Keeper then closes the loop: paid plans include a federal and state return reviewed and signed by a tax professional, with higher tiers adding quarterly estimated payments, meetings with a tax pro, audit protection, amendments and support for rentals, K-1s and multi-state income. A separate Business tier covers S corps and partnerships and adds a year-end book review and close. This is not double-entry accounting for a growing company with inventory, staff and investors. There is no invoicing suite or bill pay story here, and companies that need accrual books will outgrow it. But for a business of one whose bookkeeping goal is simply 'capture everything, miss no legitimate write-off, and file without drama', Keeper combines the tracking and the filing in one unusually cheap annual price.

Annual filing plans plus a monthly tracking-only option; every plan starts with a 14-day free trial.