Free 3-day trial · No card required

Stop giving the IRS
more than you owe.

KeepMore simulates your tax scenarios so you can see exactly how much an S-Corp election, deduction strategy, cost segregation study, or income structure change saves you — before you make any decisions.

Average freelancer overpays by $6,200/year due to poor tax structure.

3-day free trial · No credit card required · Cancel anytime

$0

avg. annual savings

0M+

U.S. freelancers

0 min

to first scenario

🏗 NEW FEATURE

Cost Segregation
for Real Estate Developers

Accelerate depreciation on your properties with MACRS reclassification. See exactly how much bonus depreciation you can claim in Year 1 — and whether a cost seg study pencils out.

  • 8 property types: multifamily, office, retail, hotel & more
  • Bonus depreciation schedule (60% → 40% → 20% → 0% phase-down)
  • Year-by-year deduction chart vs 39-yr straight-line
  • Study cost ROI estimate + strategy playbook

PROPERTY TYPE

Multifamily / Apartment

ACQUISITION COST

$2,500,000

STANDARD YR-1

$57k

39-yr straight-line

COST SEG YR-1 ✓

$418k

with 40% bonus dep.

YR-1 TAX SAVINGS$115k

How it works

From confusion to clarity
in three steps.

No accountant needed. No jargon. Just a clear picture of what you actually keep.

STEP 01

Enter your income

Tell KeepMore your freelance income, filing status, and current business structure. Takes under two minutes.

STEP 02

Run your scenarios

Simulate S-Corp election, deduction strategies, cost segregation, income timing, and more. See the tax impact of each decision instantly.

STEP 03

$

See your savings

KeepMore shows you exactly how much each strategy saves. Download a report and take it straight to your accountant.

The simulator

See the number
that changes everything.

Most freelancers and property investors make structural decisions blind. KeepMore puts a dollar amount on every choice so you always know if a strategy is worth it.

  • S-Corp election analysis based on your actual income
  • Deduction finder with live tax impact
  • Quarterly tax estimator so you never get surprised
  • Retirement contribution maximizer (SEP-IRA / Solo 401k)
  • Cost segregation calculator for real estate developers NEW
  • Downloadable PDF report for your accountant
keepmore.io — scenario simulator

ANNUAL INCOME

$120,000

FILING STATUS

Single

CURRENT STRUCTURE

Sole Proprietor

SOLE PROP. TAX

$34,200

self-employment incl.

S-CORP TAX ✓

$26,100

with $72k salary

YOUR POTENTIAL SAVINGS$8,100 / yr
✦ LIFETIME ACCESS FEATURES

Advanced strategies that CPAs
charge $500/hr to explain.

Lifetime access unlocks five expert-level tax tools — all built directly into your dashboard, no spreadsheets required.

🏠
§280A

Augusta Rule

Rent your home to your business up to 14 days/year. The rental income is completely tax-free to you — and your business gets the full deduction. One of the most underused strategies in the tax code.

EXAMPLE BENEFIT

$2,800/day × 12 days = $33,600 tax-free

📋
PERSONALIZED

Year-End Tax Checklist

A personalized action checklist built from your actual income profile. Retirement room left, bracket creep risk, invoice timing, S-Corp year-end moves — all calculated and prioritized before December 31st.

Max retirement contributions

Defer invoices past bracket threshold

Accelerate deductible expenses

ADVANCED

Income Timing Optimizer

When you invoice matters almost as much as how much you invoice. Model the exact tax impact of deferring $5k, $10k, or $50k of income to January — and see if the math makes sense for your situation.

EXAMPLE

Defer $20k → save $4,400 this year at 22% bracket

🗺
ADVANCED

SALT Workaround / PTE Election

The SALT cap limits your state tax deduction to $10k personally. But 30+ states now let your entity pay state tax instead — making it fully deductible as a business expense. See your state-specific savings.

Calculates your amount above the $10k cap

State-by-state PTE election reference table

Step-by-step action checklist

📈
FORWARD PLANNING

3-Year Tax Projection

See where your tax burden is heading across conservative, moderate, and aggressive growth scenarios. Know exactly when to elect S-Corp, when retirement contributions phase out, and when you'll hit the next bracket.

S-Corp election trigger point at $80k

Solo 401(k) vs SEP-IRA crossover at $160k

QBI phase-out warning at $182k

All five premium tools included in the $99 lifetime plan · Free trial unlocks everything for 3 days

Pricing

If it saves you $6k,
paying $99/one-time is a
no brainer.

Start free for 3 days. No card required. Upgrade when you see your savings.

Free trial

$0

3 days · no card needed

  • All features unlocked for 3 days
  • S-Corp savings calculator
  • Cost seg calculator
  • Deduction optimizer
  • Quarterly tax estimate
  • All 5 premium tools included
MOST POPULAR

Lifetime

$129$99

one-time · own it forever

  • Unlimited scenarios
  • No recurring charges ever
  • All future updates included
  • Cost segregation calculator
  • Augusta Rule calculator
  • Year-End tax checklist
  • Income Timing optimizer
  • SALT Workaround / PTE
  • 3-Year tax projection
  • Downloadable PDF report

* All calculations follow IRS guidelines. KeepMore provides estimates — not professional tax advice.

FAQ

Honest answers.

No — and we're upfront about that. KeepMore provides estimates based on IRS guidelines to help you make more informed decisions. Think of it as a preparation tool you use before talking to your accountant, not a replacement for one.

KeepMore uses current IRS tax brackets, self-employment tax rates, standard deduction rules, and MACRS depreciation schedules to generate estimates. They're directionally accurate for most taxpayers and real estate investors, but your actual tax bill may vary based on your specific situation. Always confirm major decisions with a CPA.

Freelancers, consultants, creators, and self-employed people in the U.S. earning roughly $60k–$300k per year. Real estate developers and investors who want to evaluate cost segregation strategies without paying for a preliminary study. If you're getting paid without an employer withholding your taxes — or own investment property — KeepMore was built for you.

Lifetime access unlocks five advanced tools: the Augusta Rule calculator (rent your home tax-free to your business), a personalized Year-End Tax Checklist, the Income Timing Optimizer (model deferring invoices across brackets), the SALT Workaround / PTE Election analyzer, and a 3-Year Tax Projection across growth scenarios. All five are included in the $99 one-time plan.

You enter your property type, acquisition cost, and land value. KeepMore applies industry-standard KBKG reclassification benchmarks to estimate how much of your depreciable basis qualifies for 5-year, 7-year, and 15-year MACRS treatment — then applies the current bonus depreciation rate to calculate your Year-1 and 5-year savings. It also estimates whether a formal cost seg study's ROI justifies the cost.

The current version focuses on federal taxes. State tax support is on the roadmap and will be available in a future update. We'll notify early access users first.

KeepMore is live now. Create a free account and run your first scenario today — no card required for the 3-day trial.

Get started

You've already
overpaid enough.

Create a free account. See your savings in under 5 minutes. No credit card, no commitment — just the number that changes how you think about taxes.

3-day free trial · No card required · Takes 2 minutes