One plan. $19 a month.
No tiers, no usage credits, no add-ons. Keeper and FlyFin land around $192/yr and bill annually — TaxClover matches the value and lets you pay monthly, because freelance income is lumpy.
Pay as you go — ideal for lumpy freelance income.
Save $38 a year. Best value if you're in it for the long haul.
- Live quarterly estimated tax calculator (federal + state)
- Schedule C expense tracking — all 22 IRS lines
- Mileage logging at the 2026 rate (72.5¢/mi)
- 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. The price you see is the price you pay. TaxClover does not file your taxes — it keeps you ready to.
14-day trial with no credit card. The calculator, expense entry, and mileage work during the trial; report exports and the year-end bundle unlock when you subscribe. Annual plans are refundable pro-rata within 30 days.
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 | $19/mo · $190/yr | $192–$399/yr | $100–$200/yr | ~$20/mo |
| Pay monthly (lumpy income) | ||||
| Quarterly tax calculator | ||||
| Schedule C expense tracking | All 22 lines | |||
| Bank linking required | No — never | Yes (Plaid) | Yes (Plaid) | Yes |
| Web-first interface | ||||
| 14-day trial, no 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 — and applies safe-harbor logic including the 110%-of-prior-year rule for higher earners. 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 that would eat 15–25% of a $19 subscription, 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. If enough users ask, we'll add it later as an optional paid add-on.
How does the 14-day trial work?+
No credit card to start. The calculator, expense entry, and mileage all work during the trial; report exports, the year-end bundle, and the AI weekly digest unlock when you subscribe. We'll send a couple of friendly reminders before the trial ends — no dark patterns, no surprise auto-charge from a card we never took.
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 cancel anytime?+
Yes — one click from the dashboard, no email chain. Annual plans get a pro-rata refund within 30 days. The cancel flow is as plain as the signup flow.