Found

Found is an all-in-one business banking platform built for self-employed individuals and small businesses. Every time a royalty deposit hits your Found account, the app automatically calculates and transfers an estimated tax percentage into a dedicated Tax Savings sub-account — eliminating the quarterly scramble to cover estimated payments. At year-end, Found auto-generates a pre-filled Schedule C (for sole proprietors) or Form 1120/1120-S (for corporations) using your categorized income and expenses throughout the year.

What You Get#

• Automatic tax set-aside: Every deposit triggers an automatic transfer of a custom percentage to a dedicated Tax Savings bucket — money is earmarked before you can spend it
• Real-time tax estimate: Found recalculates your projected annual tax bill as each royalty arrives, so there are no surprises at year-end
• Tax form auto-generation: All tiers; Found auto-populates your Schedule C (sole proprietors) or Form 1120/1120-S (corporations) at year-end from the income and expense data in your account
• Direct quarterly tax payments (Plus/Pro): Pay federal estimated taxes (Form 1040-ES) directly from the app — no manual trip to IRS Direct Pay
• Filing via TurboTax or your accountant: Export the generated Schedule C to your accountant, or file through Found's TurboTax partnership (eligible for a discount). Note: Found's previous in-app Column Tax e-filing was discontinued in March 2026 and is no longer available on any plan.
• Unlimited invoicing: Create, send, and track invoices; accept payments; manage 1099 contractors; all tiers
• Expense auto-categorization: Transactions sorted into business categories automatically; unlimited custom rules and tags on Plus/Pro

Who It's For#

• Authors building financial infrastructure from scratch: Found combines business banking, expense tracking, and tax automation in one place — one fewer app to manage
• Authors who want banking-level tax automation for free: Even at $0/month the automatic tax set-aside and Schedule C generation are included
• Authors who want direct quarterly payments: Found Plus ($35/month) lets you pay federal estimated taxes straight from the app and import external bank/card transactions for fuller bookkeeping

Pricing: Free basic tier — no monthly fee, no minimum balance, no overdraft fees, FDIC-insured up to $250,000 via Lead Bank. Found Plus: $35/month or $315/year (25% annual savings) — adds 1.5% APY (balances up to $20,000), external bank/credit card transaction imports, unlimited custom categorization rules, advanced bookkeeping and tax tools (Schedule C and 1120/1120-S generation), and direct quarterly estimated tax payments to the IRS. Found Pro: $80/month or $720/year — adds 2.5% APY on full balance with no cap, 1% cash back on card purchases, dedicated account manager, premium metal card, free check sending, and discounted wire transfers ($10 vs $15).

Strengths#

• Deepest tax automation in neobanking: Automatic set-aside + Schedule C/1120 generation + direct IRS quarterly payments (Plus/Pro) is more integrated than any competing self-employed bank account
• Trustpilot 4.5/5 (1,200+ reviews): automatic tax savings and integrated banking + bookkeeping are consistently cited as the standout benefits; iOS app rates 4.8, Android 4.6
• Free tier is genuinely useful: Even the $0 plan includes unlimited invoicing, contractor 1099 management, expense auto-categorization, and Schedule C preparation

Limitations#

• No in-app tax filing anymore: Found discontinued its embedded Column Tax e-filing in March 2026. No plan now files your return for you — you export the generated Schedule C/1120 to an accountant or file through Found's TurboTax partnership (manual data entry, discount offered)
• Quarterly IRS payments require Plus or Pro: The free tier shows estimated taxes but cannot submit Form 1040-ES payments directly to the IRS; manual payment via IRS Direct Pay required
• No fee-free ATM network: Third-party ATM fees apply; no reimbursement. Cash deposit limit $4,000/month; mobile check deposit capped at $3,000/week
• Phone support weekdays only, Plus/Pro only: Free tier support is chat/email only
• Account-freeze complaints: A recurring BBB/Trustpilot theme is funds frozen for weeks during verification with limited support access during the freeze — keep a backup account for cash-flow safety

Alternatives#

Lili is Found's closest competitor — also self-employed focused with automatic tax set-aside — and supports multiple businesses per login (Found supports one). Relay suits authors who need team banking or multiple checking accounts. Wave provides free accounting software if you already have a bank account and want to add a bookkeeping layer without switching banks.