CPA. Big 4 trained. Built for independent professionals.

You're charging $80/hour. Do you know what you're actually taking home?

After self-employment tax, missed quarterly payments, and expenses you forgot to track, most freelancers are making half of what they think. We make sure you know your real numbers.

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Here's what a freelance web developer told us: "I was charging twice as much per hour as my old job and working all the time. How am I bringing home so little per month?" The answer is almost always the same. Freelancers only bill for about a third of the time their business takes to run. The rest goes to admin, marketing, invoicing, bookkeeping, and chasing payments. On top of that, nobody told you about the 15.3% self-employment tax until your first April surprise. One designer we talked to said he made minimum wage for three years and didn't even know it. Not because the work wasn't there, but because nobody was tracking the real numbers. If your financial strategy is "as long as more money comes in than goes out, I don't pay attention," you're not alone. But you're also flying blind.

Sound Familiar?

$30,000

The designer who got a $30,000 IRS bill in April.

A graphic designer had been freelancing for three years. Good clients, steady work, decent rates. He never paid quarterly estimated taxes because nobody told him he was supposed to. He figured he'd just sort it out at tax time like he always did with his W-2 jobs. Then April came. His tax preparer ran the numbers: three years of self-employment income with no estimated payments. He owed $30,000 to the IRS, plus penalties and interest for every quarter he didn't pay. A colleague told us: "In Holland, 60% of all freelance starters don't make it past the first three years, and four out of five times it's because of tax debt." The numbers may differ by country, but the pattern is the same everywhere. Freelancers don't fail because they can't do the work. They fail because nobody handles the money side.

We Understand Your Challenges

Freelancers & Consultants bookkeeping is different.

•You have no idea how much to set aside for taxes. Self-employment tax alone is 15.3% on top of income tax, and most freelancers find out the hard way. You're spending money that the IRS already considers theirs.

•Quarterly estimated taxes are confusing and easy to forget. The deadlines don't match calendar quarters, the math isn't obvious, and if you miss them, you get hit with penalties on top of what you already owe.

•You're the designer, the project manager, the salesperson, and the accountant. Bookkeeping gets pushed to Sunday nights, then to next week, then to "I'll deal with it at tax time." By then, it's a nightmare.

•You're mixing personal and business finances because you never set up a separate account. Every expense is tangled together, and your tax preparer charges extra to sort through it.

•You don't know what you can deduct. Home office, software subscriptions, equipment, mileage, internet. You're probably missing hundreds or thousands in deductions because you're not tracking them.

•Cash flow is a rollercoaster. Clients pay late, projects dry up between gigs, and one slow month puts you behind on everything. Without clean books, you can't plan for the dips.

How We Help

We handle it all, so you don't have to.

Quarterly tax-ready reports so estimated payments are calculated correctly and on time. No more April surprises, no more penalties.

Income tracking by client and project so you know your actual effective rate, not just your invoice rate. You'll see which clients are worth keeping and which ones are costing you time and money.

Expense categorization including home office deductions, software, equipment, mileage, and everything else you're entitled to write off but aren't tracking.

Personal and business expense separation. We clean up the tangle and set up a system that keeps them apart going forward.

Monthly profit reports so you always know where you stand. Not at the end of the year. Every month.

Year-end financials your tax preparer can work with immediately. No reconstruction, no rush fees, no extensions.

Common Questions

Questions freelancers & consultants owners ask us

I only freelance part-time alongside my W-2 job. Do I still need bookkeeping?

If your freelance income is over a few thousand a year, yes. You likely owe estimated quarterly taxes on that income and you're probably missing deductions. A lot of part-time freelancers get blindsided by a tax bill in April because they assumed their W-2 withholding covered everything. It doesn't.

How much should I be setting aside for taxes?

A safe starting point is 25-30% of every invoice. Self-employment tax is 15.3%, and then you owe income tax on top of that. The exact amount depends on your bracket and deductions. We calculate your quarterly estimates so you know the real number, not a guess.

I've been freelancing for two years and never paid quarterly taxes. Am I in trouble?

You probably owe penalties, but it's fixable. The IRS charges interest and late payment penalties for missed quarterly estimates, but the amounts are manageable if you catch up now. We'll get your books in order and work with your tax preparer to get you current. The longer you wait, the worse it gets.

Do I need a bookkeeper or can I just use an app?

Apps are great for tracking expenses, but they don't do your bookkeeping. They don't reconcile your accounts, calculate your quarterly taxes, separate business from personal, or prepare your year-end financials. If you're under $50K in freelance income and have simple finances, an app might be enough. Once you're past that, or if you have multiple clients, mixed expenses, and irregular income, a bookkeeper saves you more than it costs.

What deductions am I probably missing?

The most commonly missed ones: home office (square footage of your dedicated workspace), internet and phone (business-use percentage), software subscriptions, professional development, mileage for client meetings, equipment depreciation, and health insurance premiums if you're self-employed. We track all of these as part of your monthly bookkeeping.

I use FreshBooks (or Wave, or QuickBooks Self-Employed). Can you work with that?

Yes. We work with all the common platforms. If what you're using works for invoicing, great. We handle the bookkeeping side: reconciliation, categorization, reports, and tax prep. If you're not on any platform, we'll set you up.

How much does freelancer bookkeeping cost?

Plans start at $150/month for freelancers with straightforward income and expenses. Most freelancers with multiple clients, mixed personal and business spending, and quarterly tax needs fall in the $200-350/month range. Flat monthly rate. For most freelancers, the deductions we catch and the tax prep time we save more than cover the cost.

Put your energy into your craft, not your taxes.

Let's talk about your freelance business. Free consultation, no strings attached. We'll tell you what you owe, what you're missing, and what clean books look like for someone like you.

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