Free while we're in beta.
Every feature, no credit card, no trial countdown. Keeper and FlyFin land around $192/yr and bill annually. TaxClover is still being built, so while it's in beta it costs nothing.
Everything below, free while TaxClover is in beta. You're helping us find the rough edges.
- Live quarterly estimated tax calculator (federal + state)
- Schedule C expense tracking — all 22 IRS lines
- Mileage logging at the 2026 rates (72.5¢, then 76¢)
- Receipt scanning & auto-categorization
- 1099-NEC tracking & reconciliation
- AI deduction finder + tax-aware chat
- Tax savings vault — know what to set aside
- Year-end Schedule C preview + CPA bundle
- Quarterly due-date reminders
No tiers, no usage credits, no add-ons, and nothing held back behind a paywall while we're in beta. TaxClover does not file your taxes — it keeps you ready to.
Nothing is held back behind a paywall during the beta — the calculator, expense entry, mileage, receipts, exports and the year-end bundle are all included. We'll give you 30 days' notice before we ever charge for anything, and you can export everything you've entered at any time.
Direct, factual, no smear.
Pricing pulled from competitor pages, May 2026. QuickBooks Self-Employed was discontinued in 2024 — its successor is shown.
| Feature | TaxClover | Keeper | Hurdlr | QB Solopreneur |
|---|---|---|---|---|
| Price | Free while in beta | $192–$399/yr | $100–$200/yr | ~$20/mo |
| No annual lock-in | ||||
| Quarterly tax calculator | ||||
| Schedule C expense tracking | All 22 lines | |||
| Bank linking required | No — never | Yes (Plaid) | Yes (Plaid) | Yes |
| Web-first interface | ||||
| Try it without a card | ||||
| Files your taxes | No (by design) | Via TurboTax | ||
| Year-end CPA bundle |
“No” on filing is deliberate — filing is a different business with a CPA army behind it. We make your year-end bundle so good that filing is the easy part.
Answers, with all the caveats.
Does TaxClover file my taxes?+
No — and that's deliberate. Filing is a separate business with a CPA army behind it. TaxClover keeps you tax-ready all year, then produces a year-end bundle (Schedule C preview, P&L, categorized expense CSVs, receipts) you hand to a CPA or drop into TurboTax. We're not a CPA or tax preparer.
How accurate is the quarterly calculator?+
The engine computes federal income tax, self-employment tax (the 15.3% on 92.35% of net earnings), the 0.9% Additional Medicare Tax, QBI, and your state. Safe harbor uses both prongs the IRS allows — 90% of this year's tax or 100% of last year's (110% above $150k prior-year AGI) — and takes whichever is lower, which matters most in a year your income dropped. It's a strong estimate to plan around, not a filed return. Always confirm with a tax professional.
Why don't you connect to my bank like Keeper or Hurdlr?+
Bank-linking carries a per-account monthly fee, and it's the #1 source of reliability complaints in competitor reviews. We skip it. Manual entry, CSV import, and receipt scanning capture the same data without the cost or the broken connections — and without handing a third party read access to your bank.
It's free? What's the catch, and what happens after the beta?+
No catch and no card. TaxClover is still being built, so while it's in beta every feature is free — including exports and the year-end bundle. We may charge once it's out of beta, and if we do you'll get 30 days' notice by email first, with the option to export everything you've entered and walk away. We won't take a card we then quietly charge, because we never took one.
Do I even need to pay quarterly taxes?+
If you expect to owe $1,000 or more in federal tax for the year and it isn't being withheld, the IRS generally expects four estimated payments. Onboarding asks a few questions and tells you straight away whether quarterly payments apply to you — Sasha-style W-2-plus-freelance situations included.
Can it handle a W-2 spouse or W-2 income of my own?+
Yes. The calculator folds in W-2 wages and withholding so your quarterly number reflects the real joint position — not just your freelance profit. That's also what triggers the right safe-harbor multiplier.
What does the AI actually do?+
It produces a weekly, profession-aware digest of deductions you might be missing, ranked by estimated savings, and powers an in-app chat. It has a hard guardrail: it never gives tax advice and always points advice-style questions to a CPA.
Can I leave and take my data with me?+
Yes. There's no subscription to cancel during the beta, and you can export your income, expenses, mileage and receipts as CSV at any time — plus delete your account in one click, no email chain. The exit is as plain as the signup.