MiniCFO.io vs Keeper

Try MiniCFO.io

Keeper combines automatic expense tracking with tax filing by tax pros. If you want someone to prepare and file your return, that's its strength. Here's what it does well, what it costs, and where MiniCFO.io fits.

What Keeper does well

Automatic expense tracking from unlimited connected bank and card accounts.
AI that finds and categorizes deductions, plus receipt scanning, recurring rules for merchants, and splitting mixed orders.
Tax filing on yearly plans: federal plus up to 2 state returns, reviewed and signed by a tax pro.
On Premium: quarterly tax payments, meetings with a tax pro, and audit protection.

If you want your return prepared and filed by a tax pro, Keeper does something MiniCFO.io doesn't.

Keeper pricing

On Keeper's pricing page, Bookkeeping Only is $20/month (tax filing not included). The yearly plans are Standard at $199/year, Premium at $399/year, and Business at $1,199/year (for S-Corps and partnerships). The same page lists mileage tracking as "Coming soon." Prices as of Oct 27, 2026 on their site; check their site for current pricing.

Source: https://www.keepertax.com/pricing

Where MiniCFO.io fits

MiniCFO.io is about the day-to-day: knowing where you stand between jobs, built for mobile service businesses.

AI answers on your own numbers. Ask the AI chat, or the Live CFO by voice (included in your plan), things like "What did I spend on supplies last month?"
A 6-month cash flow projection so slow months don't surprise you, plus a weekly summary.
No bank login needed. Log income and expenses from your phone, or scan a receipt and check what the AI pulled out.
A tax set-aside estimate with a quarterly due-date card and Mark as Paid (an estimate, not tax advice).
Built for mobile service trades like lawn care, detailing, cleaning, and pool service, with quick-add templates for repeat jobs and a mileage log.
Works side by side with QuickBooks by file: import a QuickBooks P&L Detail report and export a Journal Entry CSV. It's file import and export, not a live connection.

Side by side

Feature	Keeper	MiniCFO.io
Price	Bookkeeping Only $20/month; Standard $199/year; Premium $399/year; Business $1,199/year (as of Oct 27, 2026 on Keeper's site)	$10 for the first month, then $35/month, no contracts.
Bank connection	Connects unlimited bank and card accounts	No bank login needed: log from your phone or scan receipts
Expenses	Tracked automatically from connected accounts; AI finds and categorizes deductions	Logged from your phone in a few taps, with quick-add templates
Receipts	Receipt scanning	Receipt scanning: the AI pulls out the merchant and amount for you to check and log
Mileage	Listed as "Coming soon" on their pricing page	Manual trip log at the IRS standard rate for each trip's date, saved in your browser
Taxes	Filing on yearly plans, reviewed and signed by a tax pro; quarterly tax payments on Premium	Tax set-aside estimate with a quarterly due-date card and Mark as Paid (an estimate, not tax advice). No tax filing.
Looking ahead	See their site	6-month cash flow projection and a weekly summary

Keeper details come from Keeper's pricing page as of Oct 27, 2026. Plans and prices change, so check their site. MiniCFO.io's tax and mileage figures are estimates, not tax advice.

Which one should you pick?

Pick Keeper if you want automatic expense tracking from your accounts and a tax pro to prepare and file your return. Pick MiniCFO.io if you want to know where you stand during the year: roughly what to set aside, what the next six months look like, and plain-English answers on your own numbers, without connecting a bank. You can export your transactions to CSV to share with your tax pro.

Try MiniCFO.io for $10 for the first month, then $35/month, no contracts.

Keeper is a trademark of its owner. Product names are trademarks of their respective owners. MiniCFO.io is not affiliated with or endorsed by any company named on this page.

What is MiniCFO.io?

MiniCFO.io is a simple AI financial assistant for busy mobile service businesses. You keep track of money from your phone, see roughly what to set aside for taxes, and ask questions about your own numbers in plain English. Stop guessing. Start knowing.

Log income and expenses from your phone in a few taps
Receipt scanning
Mileage log for business trips
Tax set-aside estimate with a quarterly due-date card and Mark as Paid (an estimate, not tax advice)
6-month cash flow projection
Plain-English AI chat and Live CFO voice on your own numbers
Works side by side with QuickBooks through file import and export, plus CSV export
Mobile-friendly: add it to your home screen from the browser, no app store needed

Try MiniCFO.io for $10 for the first month, then $35/month, no contracts.

FAQ

Does MiniCFO.io file my taxes?

No. MiniCFO.io gives you a tax set-aside estimate and shows the next quarterly due date, with Mark as Paid once you've paid. It's an estimate, not tax advice. For filing, use a tax professional or a filing service.

Can I export my data for my bookkeeper or tax pro?

Yes. You can export your transactions to CSV, or export a Journal Entry CSV for QuickBooks. Mileage trips aren't part of the CSV export; they stay in the mileage log.

Does MiniCFO.io connect to my bank?

No. No bank login needed. You log income and expenses from your phone, or scan a receipt and check what the AI pulled out before you log it.