Ask an AI Accountant
Free AI tool from Keeper that answers US tax questions in plain English, with CPA-graded answers in the archive.
Use Ask an AI Accountant as a free second opinion on a general federal tax question, then verify anything that matters. It is genuinely free, needs no account, and its archive shows you which answers a CPA or EA already graded right or wrong, which is more transparency than most tax chatbots offer. Keeper says on the page that this tool is no longer being updated, so treat answers as a well-sourced starting point rather than a ruling. If you want the maintained AI, create the free Keeper account; if you need to actually file, Keeper Standard at $199/yr or Premium at $399/yr (both billed yearly) is the paid path, and TurboTax or TaxAct are the other names buyers compare against.
Verified 6d ago · liveness 54/100 · cite: rightaichoice.com/tools/ask-an-ai-accountant
- Freelancers and 1099 contractors who want a fast read on a federal tax question
- Small business owners and LLCs checking whether an expense or income item is deductible
- Anyone who wants a free second opinion before paying an accountant or tax pro
- Readers who want to see whether a tax AI answer was graded correct or incorrect by a CPA or EA
- Complex multi-state or city-level tax situations, which Keeper says aren't fully embedded
- Multi-step tax math, where the tool can break down past roughly five steps
- Tax preparation and filing — file with Keeper Standard ($199/yr), Premium ($399/yr), TurboTax or TaxAct instead
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Skip Ask an AI Accountant if you need a currently maintained tax answer, a filed return, or help with complex multi-state and city tax, multi-step math, or corporate tax questions.
The free tool won't file anything — Keeper Standard starts at $199/yr and Premium at $399/yr, both billed yearly, which is where the AI actually works on a real return.
The tool itself is $0 — free, no account required, no per-question cap stated. Keeper's paid tiers sit well above free DIY options: Standard is $199/yr and Premium is $399/yr, both billed yearly, versus TurboTax or TaxAct for filers who want cheaper filing, and versus a CPA engagement that can run into the thousands for the same schedule complexity.
In short
Ask an AI Accountant — Free AI tool from Keeper that answers US tax questions in plain English, with CPA-graded answers in the archive. Best for Freelancers and 1099 contractors who want a fast read on a federal tax question, Small business owners and LLCs checking whether an expense or income item is deductible, Anyone who wants a free second opinion before paying an accountant or tax pro. Free to start; paid plans from $199/yr.
What's new in Ask an AI Accountant
Checked 6 days agoAcross the latest 1 update: 1 launch.
What people actually say about Ask an AI Accountant — is it worth it?
We scanned public community sources for Ask an AI Accountant on Jul 3, 2026 and could not establish that the discussion we found is about this tool rather than something else sharing its name. Our own analysis of that scan says the posts were off-subject. Rather than publish a sentiment score built on the wrong subject, we publish nothing here and re-run the scan.
Viability Score
How well maintained and how widely used is Ask an AI Accountant? Built from what the vendor actually publishes (docs, changelog, tutorials, integrations, pricing), whether the site is live, and how much real users discuss it. How we calculate this
Last calculated: October 2026
How we score →Key Features
- Answers US tax questions in plain English in about 10-40 seconds
- GPT-4o fine-tuned on US tax law (V2, trained on 2024 tax updates)
- Answers periodically graded by a human CPA, EA or JD
- Green checkmark and red stop icons marking graded answers
- Browse and filter 287 previously asked tax questions
- Read tax pro comments on individual question pages
- Chain-of-reasoning retrieval over tax-code embeddings
- Embeddings cover all federal tax code, every state tax code, and 10 years of IRS announcements
- Scored 88% on a sample of Part 1 EA exam questions (66% was the human pass mark)
- Keeper reports 96% AI accuracy vs 94% for human tax pros on its grading set
- Named grader credentials and per-grader accuracy published (90%-96%)
- Supports follow-up questions in the same thread
- Answers questions in other languages (those responses are not graded)
- Web-based with no installation or sign-up
- Free to use, no account required
About Ask an AI Accountant
Ask an AI Accountant is a free web tool from Keeper that takes a plain-English US tax question and returns a written answer in roughly 10 to 40 seconds. You get an answer box right under the question field, no install and no sign-up. The build is GPT-4o fine-tuned on US tax law, with vector embeddings covering all federal tax code, every state tax code, and IRS announcements from the past ten years, plus a chain-of-reasoning retrieval layer that picks relevant embeddings before writing. Keeper trained V2 on 2024 tax updates; V2 scored 88% on a sample of Part 1 EA exam questions, which clears the 66% humans needed to pass last year, and Keeper reports 96% accuracy for the AI against 94% for the human tax pros on its grading set. A human CPA, EA, or JD periodically reviews answers: a filled green checkmark means the AI got it right, a red stop icon means it got it wrong, and the tax pro's comment appears on the individual question page. You can browse and filter the archive, which now shows 287 questions. Grading only covers unambiguous, non-contentious, English-language questions about US individual tax law; corporate tax and financial advisory questions are excluded. Keeper states this tool is no longer being updated and points you to a free Keeper account for its current AI. The site also launched Ask an AI Accountant as a named feature in an August 2026 blog post. Read it as a free research stop, not a filing product.
Behind the Verdict
Ask an AI Accountant does one job: answer a US individual tax question in plain English, fast. Type a question like whether your home office qualifies or how quarterly payments work for 1099 income, and you get a written response in about 10 to 40 seconds, with follow-ups allowed in the same thread. What separates it from a generic chatbot is the audit trail. Keeper trained GPT-4o on US tax law, layered in embeddings that cover all federal tax code, every state tax code, and ten years of IRS announcements, and put a chain-of-reasoning retrieval step in front of the generation. V2 scored 88% on a Part 1 EA exam sample and Keeper reports 96% AI accuracy versus 94% for its human graders. Then a real CPA, EA, or JD periodically grades answers in the public archive, marking each with a green checkmark or red stop icon and leaving a comment. The archive is browsable and filterable by correct or incorrect, and now holds 287 questions. Strengths: free, no sign-up, no install, and a public grading record with named grader credentials and per-grader accuracy (93% to 96%). The stated scope is honest — grading excludes ambiguous questions, contentious topics without clear case law, corporate tax, and non-English questions. The known weaknesses are also printed by Keeper: city and state tax intricacies are not fully embedded (promised for V3), multi-step math breaks past roughly five steps, and the model can lean conservative. The big-picture caveat is the one Keeper states itself: this tool is no longer being updated, so answers will drift out of date. Where it fits: a free sanity check before you pay a tax pro, or a fast read on a general federal question. Where it doesn't: filing, complex multi-state or city tax, corporate tax, or anything where you need a currently maintained answer.
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Real-world workflow fit
Concrete scenarios for the personas Ask an AI Accountant actually fits — and what changes day-one when you adopt it.
You're about to claim a home office and a new laptop on your Schedule C and want a quick read before your CPA call.
Outcome: You type the question, get a plain-English answer in about 10-40 seconds, then check the archive for a similar question a CPA already graded.
You want to know how hosting income interacts with your salary before quarterly payments are due.
Outcome: You get a short answer on how the income is treated and see a previously graded question with the tax pro's comment attached.
You have a general US individual tax question and don't want to pay a consultant for a quick orientation.
Outcome: You use the free tool with no sign-up, then verify anything consequential with a tax pro or by filing with Keeper.
Use Cases
- Ask whether a specific expense is tax-deductible for your freelance business.
- Get an estimate of quarterly tax payments for 1099 income.
- Clarify dependent eligibility for child tax credits.
- Understand tax implications of selling cryptocurrency.
- Find out if you qualify for the home office deduction as a remote employee.
- Check whether a domestic partnership can file taxes jointly.
- See how to maximize a return when you run an Airbnb alongside a W-2 job.
- Read how a CPA or EA graded a similar prior question before you act.
Models Under the Hood
as of 2026-09-23
Limitations
- Keeper states on the page that this tool is no longer being updated, and it is marked Version 2.0, with users redirected to Keeper's latest AI via a free Keeper account.
- Because it is not maintained, its answers will drift out of date.
- Keeper also lists specific weaknesses: city and state tax intricacies are not fully embedded (promised for V3), complex math fails past roughly five steps, and the model can be conservative to a fault.
- Grading covers only unambiguous, non-contentious, English-language questions about US individual tax law; corporate tax and financial advisory questions are excluded from official grading, and answers in other languages are not graded.
- It answers questions but does not prepare or file a return.
as of 2026-10-02
Verification history
We have re-verified Ask an AI Accountant 6 times since . Each pass re-reads the vendor's own pages and re-checks every listed field against that evidence; passes where nothing had changed are marked as such.
- — re-verified summary, description, our verdict, our analysis, pricing model, pricing tiers, features, integrations, who it suits, who should skip it
- — re-verified summary, description, our verdict, our analysis, pricing model, pricing tiers, features, integrations, who it suits, who should skip it
- — re-verified summary, description, our verdict, our analysis, pricing model, pricing tiers, features, integrations, who it suits, who should skip it
- — re-checked, vendor evidence unchanged
- — re-verified summary, description, our verdict, our analysis, pricing model, pricing tiers, features, integrations, who it suits, who should skip it
- — re-verified summary, description, our verdict, our analysis, pricing model, pricing tiers, features, integrations, who it suits, who should skip it
Free to cite with attribution — this page re-verifies continuously.
12-month cost
Project the real annual outlay, including the implied monthly cost when only an annual tier is published.
Vendor list price only. Add-on usage, seat overages, and contract minimums are surfaced under Hidden costs & gotchas.
Plans compared
For each published Ask an AI Accountant tier: who it actually fits, and what it adds vs. the previous tier. Cross-reference the cost calculator above for projected annual outlay.
Ask an AI Accountant
$0
Ideal for
Solo filer or freelancer with a general US federal tax question who wants a free answer before paying anyone.
What this tier adds
Free entry point: unlimited questions answered in about 10-40 seconds, a graded archive of 287 prior questions, no account required.
Keeper Standard
$199/yr
Ideal for
Freelancer or solo business owner with income across one or two states who wants a tax pro to review and sign the filed return.
What this tier adds
Adds actual filing on top of the free tool: federal and up to 2 state returns, year-round bookkeeping, AI deduction finding, up to 10 connected accounts, reviewed and signed by a tax pro.
Keeper Premium
$399/yr
Ideal for
Business owner with multi-state income, rental property, K-1s, or prior-year and amended returns to file.
What this tier adds
Adds multi-state returns (3+ states), Schedule E property management and K-1s, EV credits, AMT, foreign income exclusion, audit protection, prior-year and amended returns, and corporate filing (1120, S-Corp).
Where the pricing makes sense
The company stage and team size where Ask an AI Accountant's pricing actually pencils out — and where peers do it cheaper.
The tool itself is $0 — free, no account required, no per-question cap stated. Keeper's paid tiers sit well above free DIY options: Standard is $199/yr and Premium is $399/yr, both billed yearly, versus TurboTax or TaxAct for filers who want cheaper filing, and versus a CPA engagement that can run into the thousands for the same schedule complexity.
Setup time & first value
How long it actually takes to get something useful out of Ask an AI Accountant — broken out by persona, not the marketing-page minute.
No setup: load the page and type your question. First answer arrives in roughly 10 to 40 seconds, and no account or install is required. Browsing the graded archive is instant and also free. If you decide you want the maintained AI or you need to file, creating a free Keeper account is the next step, and the paid filing tiers (Standard $199/yr, Premium $399/yr, billed yearly) take longer because
Switching to or from Ask an AI Accountant
How to bring data in from common predecessors and how to get it back out — written for the switcher, not the buyer.
- →From a general chatbot (ChatGPT, Gemini): paste your tax question here instead so the answer is retrieved from federal tax code, state tax code and 10 years of IRS announcements.
- →From a paid tax consultation: use this free tool first to frame the question, then bring the answer and the CPA's graded comment to the call.
- →From Google searches on tax questions: check the graded archive of 287 prior questions, where answers carry a green checkmark or red stop icon.
- ↗To Keeper's current AI: create a free Keeper account, which Keeper says supersedes this deprecated tool and tailors answers to your situation.
- ↗To Keeper Standard ($199/yr, billed yearly): move to a filed return with federal and up to two state returns reviewed and signed by a tax pro.
- ↗To Keeper Premium ($399/yr, billed yearly): move up when you need multi-state returns, Schedule E property management, K-1s, EV credits, or audit protection.
- ↗To TurboTax or TaxAct: move here if you only need to file and don't want Keeper's bookkeeping bundle.
Resources & Guides
Tutorials & Learning
YouTube returned 6 videos for “Ask an AI Accountant”, and we withheld 6: 6 did not mention Ask an AI Accountant. We are showing none, because we could not prove any of them are about Ask an AI Accountant.
Official links
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Featured Head-to-Head Comparisons
Ask An Ai Accountant vs Transfix
Ask an AI Accountant is ideal for US taxpayers needing free, accurate tax answers with human oversight, but it cannot replace professional filing. Transfix is a powerful AI TMS for freight brokers seeking pricing precision and workflow automation. Choose based on your domain: tax help (Ask an AI Accountant) vs. logistics (Transfix).
Ask An Ai Accountant vs Cryptohopper
Choose Ask an AI Accountant if you need free, CPA-reviewed answers to US tax questions as a freelancer or small business owner. Choose Cryptohopper if you want an automated crypto trading bot with copy trading, AI signals, and multi-exchange support—but be prepared for a subscription fee. These tools serve entirely different domains; your choice depends on whether you need tax guidance or crypto trading automation.
Ask An Ai Accountant vs Bitsgap
Ask an AI Accountant and Bitsgap serve completely different niches: one is a free US tax Q&A tool, the other a crypto trading bot platform. Choose Ask an AI Accountant if you have US tax questions and want AI-powered answers vetted by CPAs at no cost. Go with Bitsgap if you need automated crypto trading strategies across multiple exchanges. They don't compete directly, so your decision hinges on your primary need: taxes or trading.
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