Questions we get asked
all the time.

Most bookkeeping services are built for generic small businesses — retail, restaurants, local services. SnapBooks was built specifically for online businesses: digital agencies, SaaS companies, coaches, consultants, creators, and online educators. That means we understand your revenue model, your tools (Stripe, Shopify, Gusto, Kajabi, and more), and the specific financial questions your business type generates. We don't learn your industry on your dime.

SnapBooks was co-founded by Jeremy Murphy and Tamara Sword. Jeremy built and scaled two digital marketing agencies — one to seven figures — and a 500+ student coaching business. After going through four CPAs and bookkeeping firms that didn't understand online businesses, he partnered with Tamara, who brings 30 years of accounting experience including roles as a CPA and CFO for multinational companies. SnapBooks exists because we couldn't find what we needed, so we built it.

We specialize in online businesses: digital and marketing agencies, SaaS and subscription companies, coaches and consultants, influencers and content creators, online educators, tech startups, nonprofits, and health and wellness practitioners. If you run your business primarily online, we're built for you.

Our core expertise is US-based businesses and US tax and accounting standards. If you're a US-based business with international clients or contractors, we handle that regularly. Reach out and we'll let you know if we're the right fit.

We work in QuickBooks Online. It's the industry standard, it's what your CPA expects, and it integrates with virtually every tool your business uses — Stripe, Gusto, Bill.com, Shopify, HubSpot, and hundreds more. Your books live in your QBO account, so you own them regardless of who you work with.

Bookkeeping is the ongoing recording, categorizing, and reconciling of every financial transaction in your business — every dollar in, every dollar out. Done right, it tells you exactly how profitable your business is, where your money is going, and whether your growth is actually sustainable. Done wrong (or not at all), it means your tax bill is a surprise, your CPA spends hours cleaning up your mess at $300/hour, and you make pricing and hiring decisions without real data.

Bookkeeping is the day-to-day recording of transactions — categorizing income and expenses, reconciling accounts, and producing accurate records. Accounting is the interpretation of those records — producing financial statements and ensuring everything follows accounting principles. Tax preparation is a specific output — your CPA uses your (hopefully clean) books to file your returns. Most small business owners conflate all three. Separating them typically saves money, since you're not paying CPA rates for bookkeeping work.

Cash basis records revenue when cash is received and expenses when paid — simple and intuitive, used by most small businesses. Accrual basis records revenue when earned (even if not yet received) and expenses when incurred (even if not yet paid) — more accurate but more complex. For most online businesses under $10M in revenue, cash basis works fine. SaaS companies with significant deferred revenue, or businesses raising investment capital, typically need accrual. We'll help you choose the right method for your situation.

Deferred revenue is money you've received but haven't yet "earned" — the most common example is annual subscriptions. If a SaaS customer pays $2,400 for a year upfront, you can't recognize all $2,400 as revenue immediately. You recognize $200/month as you deliver the service. If your books don't handle this correctly, your revenue figures are misleading and your financials won't hold up to investor or acquirer scrutiny. This is one of the most common errors we fix when onboarding SaaS clients.

Monthly, at minimum — and closed by the 20th of the following month. Weekly is better if you're actively managing cash flow or have high transaction volume. The worst bookkeeping cadence is "once a year before taxes," which turns a manageable monthly task into an expensive, stressful scramble that costs you deductions you can no longer document.

Every monthly bookkeeping plan includes: transaction categorization and reconciliation across all accounts, monthly P&L, Balance Sheet, and Cash Flow Statement, year-end tax-ready financials, CPA coordination at year-end, QuickBooks ProAdvisor expertise, and fast email and video support. For agency clients we set up job costing; for SaaS clients we handle deferred revenue recognition. Your plan is configured for your business model, not a generic template.

If your books are behind — weeks, months, or years — we offer a one-time Catch-Up & Clean-Up engagement to get everything current and accurate before moving to a monthly plan. We'll assess the scope, give you a flat-rate quote, and get it done. Most catch-ups are completed in two to four weeks depending on volume.

CFO Advisory is strategic financial guidance beyond bookkeeping — cash flow forecasting, budget vs. actuals analysis, hiring models, pricing analysis, and financial planning. Most businesses benefit from it at $500K+ in revenue when financial decisions start having real consequences. It's available as a monthly add-on to any bookkeeping plan, or as a standalone engagement.

We offer payroll processing support as an add-on to any monthly bookkeeping plan — $50/month base plus $10 per person on payroll. We set up and manage payroll through QuickBooks or Gusto and keep everything reconciled in your books.

We don't prepare or file tax returns — that's your CPA's job. What we do is make sure your books are clean, accurate, and tax-ready so your CPA can work efficiently. We coordinate directly with your CPA at year-end and can provide everything they need. If you don't have a CPA, we can refer you to one who specializes in online businesses.

Yes — and we actively prefer it. We'll give your CPA direct access to your QuickBooks file, provide year-end financials in the format they need, and answer any questions they have. Clean books handed to a good CPA is the best outcome for your tax situation.

Pricing is based on your annual revenue — higher revenue typically means more transaction volume and financial complexity. Plans start at $399/month for businesses under $250K in annual revenue and scale up to $1,599+/month for businesses over $20M. Use the pricing calculator on our pricing page to estimate your monthly investment, then we'll confirm the exact plan during your free consultation.

Never. The price confirmed in your proposal is what you pay, every month. No setup fees, no surprise invoices, no charges for asking questions. If your revenue grows into a higher tier, we'll give you advance notice before adjusting your plan.

No. Our plans are month-to-month. We earn your business every month — if we're not delivering value, you shouldn't be locked in. The only exception is Catch-Up & Clean-Up engagements, which are quoted and billed as a one-time flat fee.

Absolutely. Upgrade, downgrade, or add services at any time. As your business grows, your plan scales with you — just let us know and we'll adjust at the start of the next billing cycle.

That's more common than you'd think — and it's exactly what our Catch-Up & Clean-Up service is for. We'll quote the cleanup separately based on scope, complete it, and then transition you to a monthly plan. You'll start fresh with current, accurate books.

After your free consultation and proposal approval, onboarding takes about one week. We'll get access to your QuickBooks account (or set one up if you don't have one), connect your bank accounts and payment processors, configure your chart of accounts for your specific business model, and do an initial reconciliation to establish a clean starting point. By the end of week one, your books are set up correctly and we're in a regular monthly rhythm.

Access to your bank accounts and credit card statements (via read-only bank feed connections), your payment processors (Stripe, PayPal, etc.), any existing QuickBooks file, and a brief overview of your business model and revenue streams. That's it — we take it from there.

Yes, and we make the transition straightforward. We'll export your historical data from your current provider, migrate it into QuickBooks, reconcile the transition period, and get your books current. Most transitions are completed within two weeks. If you're on Bench specifically, note that Bench uses proprietary software — your data is portable but the migration takes a bit more care.

Absolutely. We'll review what you have, migrate the relevant history into QuickBooks, fill any gaps, and set everything up properly going forward. This is one of the most common starting points for new clients.

Primarily email, with video calls available when needed. You'll have a dedicated point of contact — not a rotating support queue. We aim to respond to all questions within one business day, and most get a response same day.

Your books are fully closed and reports are delivered by the 20th of the following month. If you need faster turnaround — books by the 10th — that's available as the Priority Turnaround add-on.

Ask us. Explaining what your numbers mean is part of the service. We'd rather you understand your financials than receive a report you ignore. For deeper strategic discussions, the monthly CFO Review Call add-on gives you a dedicated 60-minute session each month to dig into your numbers and plan ahead.

We coordinate directly with your CPA, provide year-end financial statements, and answer any questions they have about your books. If you need additional schedules or reports for your filing, we prepare those as part of the service. Our goal is to make tax season completely uneventful for you.

Tell us immediately. We're a small, owner-operated team and we take quality seriously. If there's an error in your books, we fix it at no charge. If something isn't working about how we're working together, we want to know so we can address it. And if we're genuinely not the right fit, we'll help you transition to someone who is — cleanly and professionally.