Kept, make each deposit easier to understand
Make sense of every dollar you earn.
Running a business is hard. Trying to keep up with taxes while you juggle everything else is harder. A $4,000 deposit can feel like it is all yours, even when some needs to cover business expenses and estimated taxes. Kept shows you what comes next. Pay business expenses. Set aside estimated taxes. Pay yourself. Then choose optional saving or investing. Kept is a friendly tool for day-to-day money decisions.
Built for creators, freelancers, and gig workers making 1099 income.
It does not replace tax software or a CPA.
Pay yourself
$2,400
After business expenses and estimated taxes are set aside.
No judgment here
You were taught how to earn. Not what happens after the deposit.
01
Money lands in your account.
It feels like all of it is yours to use.
02
Life and work both need it.
A grocery run and a new mic can come from the same balance.
03
Then taxes arrive.
Kept helps you set aside estimated taxes first, so a tax bill does not feel like a surprise.
One simple system
The Kept order of operations.
Income is the starting point, not a spendable bucket. We make the next step clear instead of asking you to become a money expert overnight.
A quick Kept example
Example only. Not a personal estimate.
New income
+$4,000
A sample client payment enters Kept.
Pay business expenses first
$600 covers the work that keeps your business moving.
Set aside estimated taxes next
$1,000 is set aside for this sample.
Pay yourself after the first three steps
$2,400
This is what is left after business expenses and estimated taxes are set aside.
Optional next step
After you pay yourself, you can choose optional saving or investing.
1. A sample $4,000 payment comes in. Income is the starting point.
A small example
A plan appears before the money disappears.
This example starts with $4,000 of income. First, $600 pays business expenses. Then $1,000 is set aside for estimated taxes. That leaves $2,400 to pay yourself. After that, optional saving or investing is your choice.
Your estimate comes after signup.
Your state and income help Kept make your plan feel more personal, so April has fewer surprises.
The number that matters
One clear answer for every spending decision.
Instead of staring at your whole bank balance, open Kept and see what comes next. Business expenses and estimated taxes come first. Then you can pay yourself and choose any optional saving or investing.
Pay yourself
$2,400
Your money stays yours
Clear enough to trust.
We want you to feel informed before you connect anything. No fine-print energy. No pressure.
Connect through Plaid
Like other banking apps, Kept uses Plaid to securely read your account activity.
Read-only means we cannot move your money
You log in through your own bank, so Kept never sees your bank password.
We never sell your data
Your information is here to help you understand your money, not to be passed around.
Simple from the start
A clear place to start. More personal help when you want it.
Starter is always $0. Kept Plus adds the personal planning help that makes tax time feel less surprising.
Starter
Starter gives you the simple Kept system. Follow income through business expenses, estimated taxes, paying yourself, and optional saving or investing.
$0
Permanent free tier
- A permanent $0 place to start
- 30 days of banking history, so you can see your recent money
- The Kept order: income, business expenses, estimated taxes, pay yourself, then optional saving or investing
- Plain-language money guidance, so the next step feels clear
- A clear view of what Kept will help you organize
More personal planning
Kept Plus
Kept Plus is for people who want a more personal plan. It adds estimates and money guidance based on the details you share, so you can make decisions with more confidence.
$12/month
Pay month to month. Change your plan when you need to.
- Everything in Starter
- 90 days of banking history, so you can see a full quarter
- Personalized estimated tax guidance, based on your state and income
- Guided income organization for business expenses, estimated taxes, and paying yourself
- Pay-yourself guidance after business expenses and estimated taxes are set aside
- Ongoing money planning as Kept supports more of your work
Kept helps you plan. It does not replace tax software, a CPA, or professional tax advice.
More personal planning
Kept Plus annual
The same personal Kept Plus plan, paid once for the year so you can keep more of your money.
$99/year
$144/year at the monthly rate. Pay $99/year and save $45, or 31%.
- Everything in Kept Plus monthly
- One lower yearly price with the same personal planning help
Kept helps you plan. It does not replace tax software, a CPA, or professional tax advice.
For creators, freelancers, contractors, and gig workers.
Your money can feel less mysterious.
Start with one clear number and a plan for the rest. You do not have to figure out self-employment alone.
Get started with Kept