A Free GainsKeeper Alternative in 2026, from $0
GainsKeeper is a professional tax-lot engine that tracks cost basis and wash sales across the whole year, and its individual plans run from roughly $59 to several hundred dollars annually. That accounting is worth paying for if your basis actually needs adjusting, but it is overkill when your broker already reported correct numbers on the 1099-B. Our free browser converter turns that CSV or PDF into a TurboTax TXF plus a Form 8949 CSV without a subscription.
TXF Converter vs GainsKeeper
| Criteria | TXF Converter | GainsKeeper |
|---|---|---|
| Accuracy | 8.0 | 9.5 |
| Format / TXF support | 9.5 | 8.0 |
| Ease | 9.5 | 6.5 |
| Speed | 9.5 | 7.0 |
| Price | 10.0 | 5.5 |
| Privacy | 9.5 | 7.5 |
| Overall | 9.2 | 7.6 |
Scores from our full 2026 comparison, out of 10.
Why people switch to TXF Converter
- ✓Free to try, no signup
- ✓Outputs TXF for TurboTax desktop plus a Form 8949 CSV
- ✓Reads any broker — foreign and small platforms included
- ✓Files processed in-memory and deleted after conversion
When GainsKeeper is the better choice
If you trade actively and need automatic wash-sale adjustments, corporate-action tracking, and continuous cost-basis accounting across accounts, GainsKeeper does real work our converter does not.
Its trade-offs: Subscription pricing, overkill for a few sales; Steeper setup than a drop-in converter.
Try it in your browser — free, no signup.
Open TXF Converter →Or see the full ranking of all 6 tools.