Where can I find an affordable accountant for my yearly business & personal tax filing?
So my situation has gotten a bit complicated this year. I've been running my small online shop for about 2 years now, and I also work part-time as a barista. Last year I paid this accountant $825 to handle both my business and personal taxes, but I just got his quote for this year and he wants $1,475! That seems ridiculous for my relatively straightforward situation. I'm not making that much from my business (about $31K this year) plus another $22K from my part-time job. I don't have complicated investments or anything - just the basic Schedule C for the business, some home office deductions, and my W-2 income. Has anyone found a reasonably priced accountant who knows what they're doing with small business taxes? I'm worried about making mistakes if I try to DIY, but can't justify dropping almost $1,500 just to file. Any recommendations for affordable accountants who handle both business and personal returns?
20 comments


Ethan Taylor
Having both business and personal tax needs does complicate things a bit, but that price does seem steep for what sounds like a relatively straightforward situation. Most accountants set their prices based on the forms they need to complete. For someone with a simple Schedule C business, a W-2, and some basic deductions, you should be able to find someone in the $600-900 range depending on your location. National chains might even be cheaper during non-peak season. Have you considered a mid-tier option like a smaller local CPA firm? They often charge less than the big firms while still having business tax expertise. Another option is enrolled agents (EAs) who are certified by the IRS but typically charge less than CPAs.
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Aisha Khan
•Thanks for this info! I hadn't thought about the enrolled agents option. Do they have the same level of expertise with small business taxes as CPAs? And any tips on how to find a reputable one?
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Ethan Taylor
•Enrolled Agents specialize specifically in taxation and have to pass comprehensive IRS exams, so many of them are extremely knowledgeable about business taxes, especially for smaller enterprises like yours. Some even specialize in specific industries, so if you can find one familiar with online retail, that could be beneficial. To find a reputable EA, check the National Association of Enrolled Agents website for certified members in your area. Always ask about their experience with businesses similar to yours, their fee structure, and their availability throughout the year (not just during tax season). Also, read reviews and ask for referrals from other small business owners.
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Yuki Ito
After struggling to find an affordable accountant for my small business taxes last year, I discovered taxr.ai (https://taxr.ai) and it was a game-changer. I was paying almost $1,200 for my returns which included my photography business and personal taxes. The site analyzes your specific tax situation and documents, then provides clear guidance on everything from deductions to filing options. What really helped me was uploading my previous returns and having them analyzed for missed deductions - turned out my old accountant had missed quite a few legitimate business expenses! It's like having a knowledgeable tax professional but at a fraction of the cost.
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Carmen Lopez
•How does it handle business expenses that might be in a gray area? Like, I have a home office but also sometimes work from coffee shops. Can it help determine what percentage is deductible?
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AstroAdventurer
•I've tried automated services before and they missed some key deductions specific to my industry. Does this actually have real tax pros reviewing your stuff or is it just another algorithm?
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Yuki Ito
•The system is actually quite sophisticated with business expenses in gray areas. For your specific home office plus coffee shop situation, it would guide you through calculating the appropriate percentage based on time spent in each location and help you document it properly to satisfy IRS requirements. For industry-specific deductions, that's where it really shines compared to basic tax software. It's powered by AI but trained on thousands of real tax cases and updated with the latest tax code changes. You can also chat with tax experts through the platform if you have questions about your specific industry deductions that seem unusual.
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AstroAdventurer
Follow up on my question about taxr.ai - I actually decided to give it a try last weekend and I'm honestly impressed. I was super skeptical that it would understand the specific deductions for my landscaping business, but it caught several things I hadn't even considered like depreciation schedules for my equipment that my previous accountant had calculated poorly. The document analysis was particularly helpful - I uploaded my receipts and invoices and it categorized everything correctly, even the weird expenses like specialized soil testing equipment. Ended up finding about $3,800 in additional deductions I would have missed. Definitely more comprehensive than I expected for business taxes!
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Andre Dupont
If you're still looking for an actual accountant but having trouble getting appointments (everyone seems booked solid until June!), I used Claimyr (https://claimyr.com) to get through to several tax offices that claimed they were "not taking new clients." You can see how it works here: https://youtu.be/_kiP6q8DX5c I was getting frustrated because every affordable accountant I called was either not answering or putting me on a waitlist. Claimyr connected me with an actual person at 3 different accounting firms in less than a day, and I found one that would do my business and personal taxes for $695. Saved me hours of calling and waiting for callbacks.
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Zoe Papanikolaou
•Wait, how does this even work? Are they just calling the accountants for you or something? I don't get how they can get you through when the firms say they're not taking clients.
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Jamal Wilson
•This sounds like a complete scam. If accountants aren't taking new clients, some random service can't magically open doors for you. They're probably just connecting you with terrible accountants that nobody wants to use.
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Andre Dupont
•It's not as mysterious as it sounds. They use a callback system that essentially waits on hold for you and navigates phone trees. For accounting firms specifically, they call during non-peak hours when staff are more likely to answer, and they're persistent in a way most of us don't have time to be. They're definitely not connecting you with terrible accountants. The service just gets you past the initial barrier of busy signals and voicemails. I spoke with established firms that had great reviews but were simply overwhelmed with calls during tax season. Every firm I connected with was legitimate - I checked their credentials myself before making my final choice.
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Jamal Wilson
I need to eat crow about my comment on Claimyr. After posting that skeptical reply, I decided to try it myself since I was desperate to find an accountant for my Etsy business taxes before the deadline. Honestly, it worked exactly as advertised. Got me through to two accounting firms that had previously sent me to voicemail multiple times. Ended up hiring an experienced CPA who specializes in creative small businesses for $875 total (business + personal return). She even found issues with how my previous accountant had been handling my inventory that would have eventually caused problems. Sorry for being so cynical before - sometimes things that sound too good to be true actually work!
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Mei Lin
Have you considered the mid-tier tax prep services like H&R Block's small business services? I used them last year for my freelance writing business + personal taxes and paid about $450 total. It's not as personalized as a dedicated CPA, but the preparer I worked with knew all the deductions for self-employed folks. They have a small business certified option that's way cheaper than most independent accountants.
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Aisha Khan
•That's significantly less than what I'm being quoted! Did you feel like they were thorough enough with the business side? I'm worried about missing deductions since that's where I can save the most money.
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Mei Lin
•I found them surprisingly thorough with business deductions. My preparer went through a detailed checklist for my industry and caught several deductions I hadn't considered (like a portion of my phone bill and some professional development courses I took). Make sure you specifically request someone with small business experience when you make the appointment. The regular tax preparers may not have the specialized knowledge, but they have people designated for Schedule C returns. I also brought my previous year's return which helped them catch a few things my prior accountant had missed. Just be organized with your expenses and income documentation when you go in - that will save you money since they typically charge by complexity and time spent.
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Liam Fitzgerald
Try looking for a tax professional who's building their client base. I found my accountant when she was just starting her independent practice after leaving a big firm. She charged me $525 for both my personal and small business returns (home bakery). She was building her portfolio and wanted the experience with different types of small businesses. Three years later she still only charges me $625 even though her rates for new clients are much higher now.
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GalacticGuru
•How do you find accountants who are just starting out? Is there a website or something? I wouldn't even know where to begin looking for someone like that.
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Amara Nnamani
I guess I'm in the minority here, but I actually think $1,100-1,500 isn't outrageous for combined business and personal returns depending on your situation. I paid $1,200 last year and felt it was worth every penny because my accountant found nearly $4,000 in deductions I would have missed on my own. She also helped me set up a better bookkeeping system that's saving me hours each month. Good accountants do more than just fill out forms - they provide tax planning, help with estimated payments, and can advise on business decisions throughout the year. If you're just looking for someone to input numbers once a year, then yeah, go cheaper. But if you want actual tax strategy and support, sometimes paying more is worth it.
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Giovanni Mancini
•100% agree. I cheaped out two years ago ($350 for a budget preparer) and ended up getting audited because they messed up my home office deduction. Ended up paying the original tax plus penalties AND $1,800 to a real accountant to handle the audit. Sometimes cheaper is WAY more expensive in the long run.
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