Taxes are coming
either way.
How much do you keep?

Kept organizes every 1099 transaction, projects your April number, and tracks what to set aside each quarter. Read-only — we never move your money.

Read-only
we never move your money
Plaid-secured
bank-grade encryption
$0 forever
first 100 free for life
Become a Beta Tester
try the tabs
9:41
Tax dashboard
Est. you owe
$500
Based on 2026 activity
Q1
Q2
Q3
Q4
Deductions
$3,250
Tax savings this year
Write-offs
43
Deductions tracked
Recent activity
RH
Rent help to mom
Housing & rent
−$200.00
SF
State Farm — gear
Insurance (non-health)
−$11.00
SI
Spectrum Internet
Utilities
−$65.00
scroll

The problem

No employer is taking taxes out of your check.
No software is finding your write-offs.
Most 1099 earners realize this on April 14th.

Kept makes sure you don’t. Connect your accounts once. Every transaction sorts itself. Every quarter we tell you what to set aside. Every April you already know.

How it works

Three steps to tax clarity.

STEP 01

Connect your bank

Plaid-powered, read-only. Takes 60 seconds. We never see your password or move money.

STEP 02

Kept categorizes everything

Every transaction gets tagged — personal, business, or write-off. Automatically, instantly.

STEP 03

See what you owe

Real-time tax estimate updated every sync. No surprises come April.

Features

Everything you need. Nothing you don't.

Bank sync

Auto-sync. Zero effort.

Connect your bank once. Kept pulls every transaction automatically via Plaid — read-only, bank-grade security. Never touch a CSV again.

  • ✓Plaid-powered, read-only
  • ✓Syncs on every webhook
  • ✓Plaid covers 12,000+ banks
9:41
Accounts
Net worth
$1,515
3 accounts linked
Linked accounts
DI
Discover
··4321
−$848
WF
Wells Fargo
··8829
$312
WF
Wells Fargo
··1102
$2,050

Smart categorization

Every transaction tagged instantly.

Personal, business, or write-off — Kept categorizes every transaction the moment it hits. You review; rules do the sorting.

  • ✓Schedule C-mapped categories
  • ✓80+ merchant rules
  • ✓One tap to correct
9:41
Transactions
AllWrite-offsPersonal
Recent
RH
Rent help to mom
Housing & rent
−$200.00
SF
State Farm — gear
Insurance (non-health)
−$11.00
SI
Spectrum Internet
Utilities
−$65.00
PI
Pixieset
Office expenses
−$20.00
SW
Small wedding (J. ceremony)
Gross receipts
+$1,200
P—
Parking — venue
Car & truck
−$15.00
T-
T-Mobile
Utilities
−$40.00
2026 · 145 transactions

Write-off finder

Find what you're missing.

Coffee meetings, software subs, home office, mileage — Kept surfaces deductions you'd otherwise forget. Every dollar counts.

  • ✓Schedule C mapped
  • ✓Receipt capture coming
  • ✓Flagged for review
9:41
Tax dashboard
Est. you owe
$500
Based on 2026 activity
Q1
Q2
Q3
Q4
Deductions
$3,250
Tax savings this year
Write-offs
43
Deductions tracked
Recent activity
RH
Rent help to mom
Housing & rent
−$200.00
SF
State Farm — gear
Insurance (non-health)
−$11.00
SI
Spectrum Internet
Utilities
−$65.00

Tax estimate

Know before April.

Real-time SE tax + federal income estimate. Set aside the right amount every month. No more panic-writing checks.

  • ✓2026 tax rates built-in
  • ✓Quarterly estimate breakdown
  • ✓Updates on every sync
9:41
Tax estimate
Total estimated
$500
2026 · Due Apr 15
Self-employment tax
$500
15.3% of net earnings
Federal income tax
$0
single filer
Total write-offs
$3,250
43 deductions found
Based on 2026 SE tax rates · Estimates only

Built by 1099 founders. For 1099 earners.

We built Kept because we needed it ourselves.

One of us quit a 9–5. The other started a side hustle that grew up. Tax season hit and we both realized no app actually helps 1099 earners stay ahead. So we built one. Your money never moves through Kept — we only read your transactions to organize them for tax season.

Read-only
we never move your money
Plaid
bank-level encryption
$0
free for first 100 testers

How Day-One works

Three steps. No payment.
Free for life.

First 100 inside Discord get the app free forever. No card, no trial, no upsell. Just be early.

01
Join the Discord.
Free, instant, no card. You meet Steven + Franco and the other Day-One members. Daily build updates, sneak peeks, real product convo.
02
Lock the app — free for life.
First 100 inside Discord get a Day-One badge. Free forever. No bill, no upsell, no price increase. Public will pay $14.99/mo.
03
Get the app first.
App Store / TestFlight link drops in #announcements the moment beta is live. You're first in. Bug reports, fixes, feature votes — all real-time.
Become a Beta Tester

Day-One pricing

First 100 get it free.
Forever.

Public price is $14.99/mo after launch. First 100 inside Discord pay $0— for life.

Day-One
Freefor life
No card. No trial. No price increase — ever.
vs. $14.99/mo public after launch
Day-One perks
In the app
  • ✓Unlimited connected accounts
  • ✓Unlimited transactions
  • ✓Auto-categorization (80+ rules)
  • ✓Live federal + state + SE estimate
  • ✓Quarterly save-aside checkpoints
  • ✓Schedule C PDF + CSV export
Become a Beta Tester

No payment ever for Day-One. Just join the Discord — first 100 get the app free for life.

First 100 · free for life

Taxes are coming either way.
How much do you keep?

First 100 in Discord get the app free for life. App Store link, bug fixes, daily build updates — all in one place.

Become a Beta Tester