TooziToozi vs Keeper
Updated
Keeper is built to find write-offs in your accounts and have a tax pro review and sign your return once a year: $20 a month for bookkeeping only, or $199 to $1,199 a year with filing. Toozi keeps your books current by text all year, with separate books for every hustle, invoicing and quarterly estimates on every plan, and e-files the return itself for $49 a month or $399 a year. Choose Keeper if you want a pro to sign; choose Toozi if you want the books done as you go, from your phone.
Price
Toozi
Books, invoicing, quarterly estimates and the e-filed return. Cancel by text.
Same plan, about $33/mo. 30-day refund.
No card to start.
Keeper
Expense and income tracking, write-off detection. No tax filing.
Federal plus up to 2 state returns, reviewed and signed by a tax pro.
Adds quarterly estimates, audit protection, 3+ states, rentals and K-1s.
Adds S-corp (1120-S) and partnership (1065) filing and a year-end book close.
Features
| Feature | Toozi | Keeper |
|---|---|---|
| How you use it | ✓Real SMS: text a phone number, no app | ◐Web and mobile app |
| Bank connections | ✓Bank and card feeds through Plaid | ✓Unlimited account connections |
| Write-off detection | ✓Each transaction sorted to a Schedule C line as it lands | ✓AI scan on every plan |
| Separate books per business | ✓Every hustle on its own books, one price | ◐Multiple Schedule Cs entered at filing |
| Invoicing with payment links | ✓Send an invoice by text; marked paid when the money lands | ✕Not offered |
| Quarterly estimates | ✓Every plan, with a text before each due date | ◐Premium ($399/yr) and Business |
| Federal return | ✓Toozi e-files as an IRS Authorized e-file Provider | ✓Tax pro reviews and signs (Standard and up) |
| State returns | ◐Included where Toozi supports the state | ✓Up to 2 states; 3+ on Premium |
| A human pro signs your return | ✕You review and sign with your PIN | ✓Standard and up |
| S-corp or partnership returns | ✕Not offered | ◐Business plan, $1,199/yr |
| 1099-NEC for people you pay | ✓W-9s requested by text; 1099-NECs prepared | –Not listed on the plan page |
| Free trial | ✓14 days, no card | ✓14 days on any plan |
✓ yes · ◐ partly or on some plans · ✕ no · – not listed. Keeper's prices and plan features from keepertax.com/pricing, checked October 26, 2026.
Who each one is for
Choose Toozi if
- You would rather text than open an app.
- You run more than one hustle and want each on its own books at one price.
- You want invoicing and quarterly estimates in the same place as your books.
- You want the books current all year, not reconstructed in April.
Choose Keeper if
- You want a tax pro to review and sign your return.
- You file in three or more states, or have rentals or K-1s (Premium).
- You run an S-corp or partnership (Business).
- You only want a once-a-year write-off sweep.
The longer read: why people switch from Keeper, and when they shouldn't.
Try the one you text.
Have Toozi text you first. Log one expense and you'll know in a minute whether it fits. 14 days free, no card.
- 14 days free
- No card to start
- Cancel by text
- IRS e-file authorized
Questions
Is Toozi cheaper than Keeper?
Keeper Standard at $199 a year is cheaper than Toozi's $399 annual plan. Keeper reserves quarterly estimates for Premium at $399 a year, the same price as Toozi annual, and Keeper does not offer invoicing. Toozi includes books, invoicing, quarterly estimates and filing on every plan.
Does Keeper do invoicing?
Invoicing is not offered on Keeper's plans. Toozi sends invoices by text with a payment link and marks them paid when the money lands.
Who files my return with each?
With Keeper, a tax pro reviews and signs it (Standard and up). With Toozi, you review it in your dashboard and sign with your PIN, and Toozi transmits it as an IRS Authorized e-file Provider.
Can I switch from Keeper to Toozi mid-year?
Yes. Connect your bank and Toozi pulls in the year so far and sorts it for Schedule C. Cash you were paid or spent, you text in.
Tax is a doozy.
Toozi isn't.
Text (844) 482-4881 and your first expense is logged in 10 seconds.