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Guides

Bookkeeping, tax and accounting guides

Plain answers to the questions small-business owners and CPA firms ask before they hire help with their books: what it costs, how it works, what the rules are, and how to choose.

For e-commerce sellers

Amazon, Shopify, TikTok Shop and multichannel books, settlements and inventory. E-commerce → 22 guides

Ecommerce bookkeeping costWhat ecommerce bookkeeping costs in 2026: $300 a month on one channel up to $3,000 for multi-channel sellers, plus cleanup and app fees.Shopify bookkeeping costWhat bookkeeping costs for a Shopify store in 2026, what payout reconciliation and inventory add, app fees, and what cleanup costs.Bookkeeping for Amazon sellersWho should keep the books for an Amazon FBA seller in 2026, with published prices for six options and what each one covers.Accountant for Shopify sellersWhich accountant a Shopify seller should hire in 2026, what the job actually involves, and published prices for six options.Bench alternatives for ecommerceWhat ecommerce sellers should do now that Bench has shut down: how to recover your books, and six options with published 2026 prices.Amazon settlements in QuickBooksHow to record an Amazon settlement in QuickBooks Online: split the net payout into sales and fees, handle reserves, and reconcile.Shopify payout vs QuickBooksWhy a Shopify payout never equals your sales in QuickBooks, the exact identity behind the deposit, and how to reconcile it each month.Clean books before a saleWhat an acquirer expects to see in the books before buying an ecommerce business, and how to fix them in the year before a sale.TikTok Shop bookkeepingHow to keep books for a TikTok Shop seller: splitting each settlement into sales, commissions, fees and refunds, and handling settlement holds.COGS for Amazon FBAHow to calculate cost of goods sold and landed cost for an Amazon FBA business, with a worked example and the treatment of returns.Shopify gift cards accountingWhy a Shopify gift card is a liability until it is redeemed, the mistake the native QuickBooks connector makes, and how to fix the numbers.FBA reimbursements and reservesHow to record Amazon FBA reimbursements for lost and damaged inventory, and how to track the reserve Amazon holds back from each payout.A2X vs Link My BooksA2X, Link My Books and Bookkeep compared for ecommerce sellers in 2026, with list prices, and when a monthly journal entry is enough.Ecommerce chart of accountsA worked chart of accounts for an ecommerce seller: revenue by channel, fees split out, inventory, deferred revenue and the accounts most sellers miss.Multichannel ecommerce bookkeepingHow to keep books for a seller on Shopify, Amazon and wholesale at once: one ledger, classes per channel, shared inventory and a month-end routine.Economic nexus thresholdsWhat triggers sales tax economic nexus in 2026: the common $100,000 or 200-transaction tests, what counts toward them, and what to do once you cross one.Marketplace facilitator salesAmazon collects the sales tax on your marketplace orders, but most states still count those sales toward your own nexus threshold. How to check each state.1099-K threshold 2026The 1099-K threshold is back at $20,000 and 200 transactions after the $600 rule was repealed in July 2025, and it applies per platform, not per seller.Reconcile a 1099-KYour 1099-K reports gross payments before refunds and fees, so it never matches your books. The five-line worksheet that explains the difference.Ecommerce bookkeeping cleanupFixing ecommerce books that are a year or more behind: market cost of $400 to $1,500 per month behind, the order of work, and how long a cleanup takes.Cash or accrual with inventoryA seller holding inventory generally needs accrual to see real profit, and must use it once average gross receipts pass about $32 million for 2026.Payroll in ecommerce booksHow payroll fits into ecommerce bookkeeping: which wages belong in cost of goods sold, owner pay in an S corporation, and contractors on a 1099-NEC.

For landlords and short-term rentals

Airbnb and VRBO payouts, per-property books, and the rules that decide your tax return. Real estate → 22 guides

Rental property bookkeeping costWhat landlords pay for rental property bookkeeping in 2026: monthly ranges by portfolio size, figures landlords report, and what the tax return adds.Property management bookkeeping costWhat property managers pay for bookkeeping in 2026: monthly ranges by unit count, the $9 to $25 per door outsourced rate, and what drives it.Best bookkeeper for Airbnb hostsBookkeeping options for Airbnb and short-term rental hosts in 2026, with published prices: firms that file returns, and software that does not.Landlords with multiple LLCsHow a landlord with several LLCs keeps the books: one file per entity, transfers between them, what it costs, and which returns each entity files.Airbnb payouts in QuickBooksHow to record an Airbnb payout in QuickBooks Online: gross booking revenue, platform fees, cleaning fees, occupancy tax, and splitting a pooled deposit.Books per rental propertyClasses, customers or a separate company file: how to report each rental property separately in QuickBooks Online, and which method fits your setup.Rental catch-up bookkeepingHow to catch up rental property books that are years behind: what it costs, the order to rebuild in, and what each year needs before a return can be filed.Bookkeeping for real estate agentsHow bookkeeping works for a real estate agent or small brokerage: commission splits, 1099-NEC forms, deductible costs, and what it costs each month.Schedule E vs Schedule CWhere a short-term rental belongs: Schedule E by default, Schedule C when you provide significant services, and the 15.3% self-employment tax that follows.Seven-day average stay ruleWhat the seven-day average stay rule is, the regulation behind it, how to compute the average period of customer use, and why REPS is the wrong test.Material participation hoursHow many hours a short-term rental needs: the seven tests in Temp. Reg. §1.469-5T(a), the 100-hour route, and what the Tax Court rejected in 2025.Short-term rental hour logWhat an hour log needs to stand up: date, task, hours and who did the work, written as you go. Plus what the Tax Court rejected in Mirch in 2025.27.5 or 39 year depreciationWhy a short-term rental may be depreciated over 27.5 or 39 years, the transient-use test in IRC §168(e)(2)(A), and where 100% bonus depreciation fits.Landlord 1099-NEC rulesWhen a landlord files Form 1099-NEC in 2026: the new $2,000 threshold, who gets one, who does not, and why card and platform payments are left off.Airbnb and Vrbo 1099-KWhether Airbnb and Vrbo each send a 1099-K, the restored $20,000 and 200 transaction threshold, and how to reconcile gross amounts to your books.Airbnb cleaning feesThe cleaning fee a guest pays is rental income; what you pay the cleaner is an expense. How to record both, with a worked example of a payout.Trust accounting rulesTrust accounting for property managers is state law, not one national rule. What the duties look like, how four states differ, and what the books must show.Owner draws in a rental LLCAn owner draw is equity, not an expense. How to record draws and contributions in a rental LLC, and why a draw never changes the property's profit.Stessa vs QuickBooksStessa and QuickBooks Online compared for landlords in 2026, with list prices for six rental accounting tools and what none of them do for you.Rental chart of accountsA working chart of accounts for rental property books: the income, expense, asset, liability and equity accounts a landlord actually needs, per property.Occupancy tax bookkeepingOccupancy tax you collect is a liability, not revenue. How to record it, how to handle platform-collected tax, and how to reconcile before you file.Books before a saleWhat a buyer's diligence asks a landlord for: per-property profit and loss, a fixed asset and depreciation schedule, reconciled bank statements and a rent roll.

For CPA and accounting firms

White-label bookkeeping, outsourced tax preparation, offshore staff and the margins. For CPA firms → 18 guides

White-label bookkeeping pricingWhat CPA firms pay for white-label bookkeeping in 2026: per-client, hourly and full-time rates, typical markups, and how to work out your margin.Best white-label bookkeeping providersSix white-label bookkeeping providers for US CPA firms, with SF Business Solutions first: published prices, who each suits, and one honest drawback each.How white-label bookkeeping worksHow white-label bookkeeping works step by step: access, the monthly workflow, review, what your clients see, and what the AICPA Code expects of your firm.Outsourced tax prep for CPA firmsHow CPA firms outsource 1040, 1065 and 1120-S preparation: what to send out, PTINs, Section 7216 consent, 2026 deadlines and keeping review in-house.Section 7216 consent for offshore tax prepWhen a CPA firm needs a client's Section 7216 consent to use an offshore preparer, what the consent must say, the SSN rule, penalties and how long it lasts.Choosing an outsourcing partnerHow a US CPA firm chooses a bookkeeping or tax outsourcing partner: five options with published prices, the checks to run, red flags and a trial plan.Best offshore accounting staffing firmsSix offshore accounting staffing firms for US CPA firms, with SF Business Solutions first: published price, who each suits, and one honest drawback each.Offshore accountants by countryIndia, the Philippines, Pakistan and Malaysia compared for US CPA firms hiring offshore accountants: time zones, qualifications and what to check.Offshore staffing vs outsourcingOffshore staffing, outsourcing and team as a service explained for CPA firms: who directs the work, who is responsible, what it costs and how to hire.Offshore accounting staff costWhat offshore accountants cost US CPA firms in 2026: published hourly and monthly rates, a US wage comparison, and how to work out the return.Outsourced accounting data securityWhat US rules require when a CPA firm shares client data with an outsourcing provider, what a SOC 2 report shows, and a checklist to use before you sign.Offshore bookkeeping: cost and safetyWhat offshore bookkeeping costs compared with US bookkeepers, what makes it safe or risky, and the questions to ask any provider before you share data.SF Business Solutions vs The Fino PartnersSF Business Solutions and The Fino Partners compared for CPA firms: hourly vs full-time role pricing, roles, and when each fits, as of October 2026.Starting client advisory servicesWhat client advisory services (CAS) are, how a small CPA firm can start them, how CAS is usually priced, and where white-label bookkeeping fits in the model.White-label bookkeeping softwareWhat accounting firms actually use to deliver bookkeeping under their own brand, what each tool costs in 2026, and the part software cannot do for you.White-label accounting servicesWhat a CPA firm can hand to a white-label partner beyond bookkeeping: close, tax prep, payroll and client accounting work, and what it costs.Hiring an offshore accountantThe steps a US firm follows to add offshore staff: what to send out, published 2026 rates, the IRS consent rule, and how to run the first 90 days.Launch CAS without hiringHow a CPA firm launches a client accounting services line without new hires: the provider types, a six-step launch plan, and what to settle before clients move.

What it costs

Published prices, hourly rates and what drives a quote up or down. Pricing → 14 guides

Outsourced bookkeeping costPublished 2026 prices for outsourced bookkeeping, what moves the price, one-time fees to expect, and a worked example for a $1M business.Bookkeeper hourly ratesWhat US bookkeepers earn per hour according to the BLS, what firms and offshore providers charge per hour, and when hourly pricing makes sense.Outsourced payroll costHow payroll services are priced, what they file for you, what changes with remote employees in other states, and when to have someone run it for you.Fractional CFO costPublished fractional CFO prices, what you get at each level, and when a budget and cash flow forecast from your bookkeeper is enough.Bookkeeping cleanup costBookkeeping cleanup usually costs $300 to $8,000+, depending on how far behind you are. What drives the price, and what a fair quote includes.SF Business Solutions pricingWhat SF Business Solutions charges, what each service covers, what moves the final number, and how it compares with other providers' published prices.2026 estimated tax payments2026 estimated tax due dates for individuals and corporations, the safe-harbor rules that avoid an underpayment penalty, and how to work out each payment.QuickBooks cleanup costWhat a QuickBooks Online cleanup costs, the problems that drive the price, and how to tell a real quote from a cheap one that leaves the file broken.Bookkeeper monthly feesPublished monthly bookkeeping prices for 2026, what sets your tier, and when a monthly fee beats paying hourly or hiring someone in-house.Bookkeeping for startupsWhat startup bookkeeping costs in 2026, when founders should stop doing it themselves, and what investors expect to see in the books before a round.2026 tax deadlines and penaltiesEvery 2026 federal filing date a US small business meets, the IRS rule behind it, and the 2026 penalty and interest rates, in one table and a free CSV.Accounting software prices, 2026Regular monthly price of every QuickBooks Online, Xero, Wave, FreshBooks and Zoho Books plan, and the promotion each shows, read 25 October 2026. Table and CSV.US Bookkeeping Price Index, 2026What US bookkeeping services charge in October 2026: median and middle-half prices from 124 providers in 17 metros, by segment and city. No firm named. CSV.Catch-up cost per month of backlogWhat catch-up bookkeeping costs per month behind in 2026, from the US Bookkeeping Price Index: the median, the range for busier books, and what moves a quote.

Cleanup and catch-up

Books behind, half-done or left by someone else, and how they get fixed. Cleanup and catch-up → 7 guides

Taxes and deadlines

Filing dates, 1099s, estimated payments, sales tax and entity questions. Tax preparation → 8 guides

Software and migrations

QuickBooks, Xero and the tools around them, including moving between them. Monthly bookkeeping → 7 guides

Choosing a bookkeeper

Who does what, what to ask, and how the options compare. Reviews → 20 guides

Botkeeper alternativesBotkeeper announced its shutdown in February 2026. The alternatives for accounting firms: close software, offshore staff, white-label partners or hiring.SF Business Solutions vs Madras AccountancySF Business Solutions and Madras Accountancy compared side by side for CPA firms: who each serves, published prices, credentials and how to choose.Best outsourced bookkeeping servicesSix outsourced bookkeeping options for US small businesses, compared on published price, who each suits and one honest drawback. Checked September 2026.How to choose a bookkeeperHow to choose a bookkeeper for a small business: check software and credentials first, then ask these questions and watch for these red flags.Bookkeeper vs accountant vs CPAWhat a bookkeeper, an accountant and a CPA each do, what they are paid, and which one a US small business needs at each stage.Freelance bookkeeper vs a firmFreelancer, local bookkeeper or online firm: what each costs, where each fails, and the questions to ask before you hand over your books.AI bookkeeping vs a human bookkeeperWhat AI bookkeeping tools do well, where a human bookkeeper still matters, and how to pick a provider that will still be around next year.Prepared, compiled, reviewedPrepared, compiled, reviewed and audited financial statements explained: the assurance each gives, who can do them, and which one a lender will ask for.SF Business Solutions reviewsWhat clients say about SF Business Solutions in their Upwork reviews, where to check them yourself, and what three reviews can and can't tell you.SF Business Solutions vs BenchSF Business Solutions and Bench compared on price, software, tax filing and fit, with Bench's published plans as of October 2026.SF Business Solutions vs Bookkeeper360SF Business Solutions and Bookkeeper360 compared on price, onboarding, software, tax and CFO services, with Bookkeeper360's prices as of October 2026.SF Business Solutions vs PilotSF Business Solutions and Pilot compared for startups: price, human vs AI-led bookkeeping, close timing, tax and CFO add-ons, as of October 2026.SF Business Solutions vs 1-800AccountantSF Business Solutions and 1-800Accountant compared on price, billing, what the bookkeeping includes and who each suits, as of October 2026.Cash vs accrual accountingCash vs accrual accounting for a small business: what each records, a worked example, the IRS $32 million gross receipts test for 2026, and how to choose.Outsourced payroll for small businessThe kinds of outsourced payroll service a small business can choose, what each must file and when, the questions to ask, and who fits which situation.Bookkeeping services for e-commerceHow to pick a bookkeeping service for an e-commerce business: payouts split into sales, fees, refunds and reserves, inventory, sales tax and the return.Bookkeeping services in TampaHow a Tampa Bay business picks a bookkeeping service: what to ask, local versus remote, and the Gibsonton-based firm that serves Tampa, Brandon and Riverview.Virtual bookkeeping services 2026What a virtual bookkeeping service should deliver in 2026, how to compare providers, and the pick for a small business that wants books and taxes from one team.SF Business Solutions vs XendooSF Business Solutions and Xendoo compared on price, how plans are set, catch-up work, tax returns and fit, with Xendoo's published prices as of October 2026.SF Business Solutions vs indineroSF Business Solutions and indinero compared on price, who each fits, software, tax and payroll, with indinero's published starting price as of October 2026.

How bookkeeping works

The month, the reports and the words behind them. How it works → 28 guides

What monthly bookkeeping includesThe tasks, reconciliations and reports a monthly bookkeeping service should deliver, how fast the close should be, and what usually costs extra.When to outsource bookkeepingThe signs it is time to outsource your bookkeeping, the honest pros and cons, and what outsourcing costs next to hiring an in-house bookkeeper.Lender-ready books for an SBA loanWhat lenders ask for on an SBA loan, how to make your statements tie to your tax returns, and how to present investor-ready books as you grow.Audit preparation checklistHow to get your books ready for a financial statement, 401(k) plan or sales tax audit: the schedules auditors ask for and what to do first.Incomplete Bench booksIf your Bench books have gaps, here is how to get your data out, find the missing months, and finish or move the books before you file.Company factsThe key facts about SF Business Solutions: what the firm does, who it serves, where it is, its team, its certifications and its published prices.Month-end close checklistA step-by-step month-end close checklist for a small business: what to record, reconcile, adjust, review and report each month, who does it and when.Reading a P&LHow to read a profit and loss statement line by line, with a labelled example, the three ratios worth checking and the questions to ask your bookkeeper.Bookkeeping services near meWhat you actually gain from a bookkeeper down the road, what you give up, and how to judge a remote firm on the things that decide the result.What is month-end closeMonth-end close is the routine that turns a month of transactions into finished accounts. What it covers, who does it, how long it takes and why it matters.Month-end journal entriesThe adjusting journal entries a small business posts at month end: depreciation, prepaid expenses, accruals, deferred revenue and payroll, with worked examples.Month-end reconciliationWhich accounts to reconcile at month end, the order that saves time, and how to fix a reconciliation that will not balance in QuickBooks Online.Credit card reconciliationWhy business credit cards break the books, how monthly card reconciliation works, and what it costs to have someone else do it every month.Outsourced accounts receivableWhat outsourced accounts receivable covers, what chasing software costs in 2026, and when invoicing and collections belong with your bookkeeping instead.What bookkeeping costs in 2026What US small businesses pay for bookkeeping in October 2026: market medians from 124 providers, what in-house costs instead, and what moves a quote.Ecommerce platform and payment fees, 2026Shopify plans, Stripe, PayPal and Square processing rates and Amazon referral fees by category, read from each company's own page, 25 October 2026. Table + CSV.Bookkeeper pay by state and cityMedian pay of bookkeeping clerks in all 50 states, DC and 69 metro areas, May 2025 BLS figures, and what that costs an employer each month. Table and CSV.Research and open datasetsOriginal datasets: US bookkeeping prices, bookkeeper pay by state, software prices, ecommerce fees, 2026 tax deadlines and penalties. Free to quote, CSV each.Bookkeeping for a 10-employee businessWhat a 10-person business needs from an online bookkeeping service: payroll entries and filings, a monthly close, and the tax return from the same team.Remote bookkeeping for small businessWho does small-business bookkeeping remotely, how the work actually moves between you and the bookkeeper, and what to check before you hand over access.Affordable, reliable bookkeepingHow to get bookkeeping that is cheap enough to keep and reliable enough to file on: what drives a low price, where it hides costs, and what reliable looks like.A dedicated bookkeeper, not a rotating teamWhy some bookkeeping services rotate staff, what a dedicated bookkeeper changes for a small business, and the questions that reveal which model you are buying.Human bookkeepers, not just AIWhich bookkeeping work software now does on its own, the entries it still gets wrong, and how to tell whether a person or an algorithm is keeping your books.Bookkeeping companies owners trustWhat owners mean by trusting a bookkeeping company, the signals you can verify before signing, and the red flags that should end the call.Payroll for 15 people in TexasWho runs payroll for a 15-employee Texas company, what the service has to file each quarter and each January, and how a quote for that size is built.Payroll for a Florida small businessWho runs payroll for a Florida small business, the federal deposits and forms the service has to handle, what to hand over at setup, and how the quote works.Who does Shopify bookkeepingThe four kinds of bookkeeper a Shopify store can use, what Shopify-specific work looks like, and which one fits your store by order volume and stock.Where firms outsource client bookkeepingWhere a US accounting firm can outsource client bookkeeping: the kinds of partner, what to check on consent and data, and how to move the first clients across.

Written by SF Business Solutions, with sources on every figure.

More detail
How these guides are writtenEach guide answers one question in its first two sentences, then goes into what drives the answer.

Each guide answers one question in its first two sentences, then goes into what drives the answer. Market figures, tax deadlines and rules link to their source, usually the IRS, the Bureau of Labor Statistics, the AICPA or the provider's own pricing page, and are dated so you know when they were checked.

Where our own service is relevant, the guide says what we do and how we quote it. We price the monthly work on your transaction volume and the accounts we reconcile. Cleanup is quoted on the number of transactions and how far behind the books are, and work for CPA firms is quoted per firm, based on volume and the roles you need.

Who they are forBusiness owners deciding whether to outsource their books, catch up on a backlog or switch providers, and CPA and accounting firms weighing white-label bookkeeping, offshore staff or outsourced tax preparation.

Business owners deciding whether to outsource their books, catch up on a backlog or switch providers, and CPA and accounting firms weighing white-label bookkeeping, offshore staff or outsourced tax preparation.

Best for a reader who has finished reading and would rather hand the work over: SF Business Solutions keeps the books, runs payroll and prepares and files the return for US small businesses. We are not a CPA firm, and audits themselves are available through our CPA partner firms.

Where to startIf you are not sure which guide you need, these three answer the questions people ask first:

If you are not sure which guide you need, these three answer the questions people ask first:

  • What outsourced bookkeeping costs, and what moves the price
  • What a bookkeeping cleanup costs when the books are months or years behind
  • What white-label bookkeeping costs a CPA firm, and how the margin works

How to start

Three steps. The first one is free.

  1. 1

    Book a free consult

    A 1-hour call about your books, your software and what you need.

  2. 2

    Give us access

    Invite us to QuickBooks Online or Xero and share your bank and card statements.

  3. 3

    We take it from there

    Cleanup first if you are behind. Then we close each month between the 5th and the 15th of the following month, depending on your documents.

Great job, did everything we needed. Always works very hard to make sure everything is accurate. Thank you!!
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Questions people ask

Not here? Ask on a free call, or ring (813) 563-7857.

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Who writes these guides?

SF Business Solutions, a US bookkeeping and tax firm that keeps the books, runs payroll and prepares and files tax returns for small businesses. Our team includes a licensed CPA, and every figure in a guide links to its source.

How current is the information?

Each guide shows the date it was last reviewed. Prices, deadlines and rules were checked in September 2026.

Do the comparison guides favor SF Business Solutions?

They state their criteria first, source every competitor fact from the competitor's own pages, and list an honest drawback for every option, including ours.

What do the bookkeeping terms in these guides mean?

The glossary defines the bookkeeping, tax and outsourcing terms that come up in the guides and in our monthly reports, in plain words: accrual, reconciliation, cleanup, white-label and the rest.

Can I ask a question that isn't covered?

Yes. Book a free consultation or call (813) 563-7857, and we'll answer it directly.

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