Miami, FL · Virtual Bookkeeping

Virtual Bookkeeping Services in Miami

Virtual bookkeeping for Miami businesses. Monthly books, payroll support, QuickBooks cleanup, sales tax tracking, and tax-ready records — without needing an in-person bookkeeper.

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Miami business owners do not need an in-person bookkeeper to get reliable monthly books, clean payroll records, and tax-ready financials. A Florida-experienced virtual bookkeeper handles QuickBooks Online, tracks Miami-Dade sales tax, and delivers reports on time — all remotely. Whether you run a restaurant in Brickell, a real estate portfolio in Coral Gables, a medical office in Doral, or an ecommerce brand shipping statewide, virtual bookkeeping keeps your records accurate without the overhead of a local hire.

What's included

What professional bookkeeping covers

A modern bookkeeping provider handles the full monthly cycle — reconciliations, AP/AR, financial reporting, and a clean year-end handoff to your CPA.

Bank reconciliation

Every bank, credit card, loan, and merchant account reconciled monthly to the penny.

Accounts payable

Bill capture, approvals, and on-time vendor payments through Bill.com, Melio, or QBO.

Accounts receivable

Invoicing, payment posting, and collections so cash hits the bank faster.

Financial reporting

Monthly P&L, balance sheet, and cash-flow with KPIs your team will actually read.

Packages

Monthly bookkeeping packages

Compare typical Starter, Growth, and Premium tiers from outsourced bookkeeping providers. Use them as a benchmark when getting quotes.

Starter

$200 – $500

per month

Solopreneurs and early-stage businesses with one bank account and light volume.

Up to ~100 monthly transactions
1 bank + 1 credit card reconciled monthly
Cash-basis books and quarterly P&L
QuickBooks Online or Xero file maintained
Email support, 48-hour response

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Most common

Growth

$500 – $1,200

per month

Established small businesses with multiple accounts, AP/AR, and sales tax.

Up to ~500 monthly transactions
Multiple bank, credit, and loan accounts
Monthly close in 5–10 business days
AP / AR management and sales-tax tracking
Monthly P&L, balance sheet, cash-flow
Dedicated bookkeeper + monthly review call

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Premium

$1,200 – $3,500+

per month

Growing companies needing accrual books, class tracking, and controller-level review.

High-volume transactions across multiple entities
Accrual basis with class/department tracking
Controller-level monthly review
CFO-ready reporting & KPI dashboards
Payroll, AP, and AR fully integrated
Year-end CPA package delivered on Jan 31

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Cleanup & catch-up

Cleanup bookkeeping pricing

Behind on your books? Cleanup (also called catch-up) is billed as a one-time project before recurring monthly work begins.

Scope	Typical range	Notes
Light cleanup (1–3 months behind)	$500 – $1,500	Categorize, reconcile, and tie out to bank statements
Standard cleanup (3–9 months behind)	$1,500 – $4,000	Rebuild ledgers, fix prior-year miscategorizations
Deep cleanup (9–18 months behind)	$4,000 – $9,000	Multi-year reconciliations, late-return support
Catch-up / multi-year (18+ months)	$9,000 – $25,000+	Full ledger reconstruction, often spans 2–3 tax years
Per-month catch-up rate	$300 – $700 / month behind	Most providers price by months-behind + transaction volume

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Local compliance

Florida & Miami bookkeeping compliance

Florida businesses enjoy no state income tax, but they must track sales tax, local option surtaxes, and reemployment tax carefully — especially in Miami-Dade County.

Florida sales tax (6%) plus Miami-Dade County local option surtax (1%) tracked for DR-15 filings
Tourist development tax tracked for Miami hospitality and short-term rentals
Florida reemployment tax (SUI) reconciled to payroll and reported quarterly
No state income tax withholding — federal-only payroll simplifies books but still needs clean W-2 reconciliation
Florida corporate income tax (5.5%) data prepped for Form F-1120 where applicable
Year-end CPA handoff for federal returns with Florida-specific schedules

Recurring

Monthly bookkeeping packages

An ongoing engagement closes your books within 5–10 business days of month-end so owners and investors get real-time visibility, not stale numbers.

Every transaction categorized to your chart of accounts
All bank, credit card, and loan accounts reconciled to statements
Monthly P&L, balance sheet, and cash-flow statement delivered
AP and AR maintained throughout the month, not just at month-end
Monthly review call to flag anomalies and answer questions
CPA-ready year-end financials handed off on January 31

Bundle

Payroll + bookkeeping bundle

When the same provider handles payroll and the books, wage and tax data flows straight to the GL — no manual journal entries, no year-end scramble.

Payroll auto-posted to QuickBooks Online, Xero, or Sage with proper splits
401(k), HSA, and benefit accruals tracked monthly, not just at year-end
Workers comp audit data pulled directly from payroll classes
Cash flow forecasts driven by actual pay-period and tax-deposit dates
One vendor, one bill, one team that knows your books and your payroll
Year-end W-2 / 1099 reconciled to the GL before filing

One-time project

Cleanup & catch-up bookkeeping

Cleanup rebuilds messy or behind books before recurring work starts. Most providers scope it as a fixed project priced by months-behind and transaction volume.

Categorize and reconcile prior-period transactions back to true balances
Fix duplicated, miscategorized, or missing entries
Rebuild balance sheets when retained earnings have drifted
Late tax returns filed with accurate numbers your CPA can stand behind
Hand-off into a recurring monthly package once books are current
Optional IRS notice support if a missed filing has already triggered a letter

QuickBooks

QuickBooks Online support

Most U.S. small businesses run on QuickBooks Online. A QuickBooks-certified bookkeeper sets the file up correctly the first time and maintains it month after month.

QuickBooks Online setup, chart of accounts, and bank feeds configured
QuickBooks ProAdvisor-certified bookkeepers and accountants
Migration from desktop QuickBooks, spreadsheets, or another platform
Bank rules, recurring transactions, and class tracking optimized
QuickBooks Payments, Payroll, and Bill Pay integrations supported
You remain the primary account owner — never locked out of your file

Specialty

Industry-specific bookkeeping

Industry context changes everything — what a restaurant tracks weekly is not what a real estate investor tracks monthly. Match your bookkeeper to your business.

Restaurants: daily sales summaries, tip pooling, food/beverage cost %
Real estate: per-property P&Ls, depreciation, Schedule E exports
Construction: job costing, WIP schedules, retention tracking
Ecommerce: A2X-style channel reconciliation, COGS, inventory
Professional services: WIP, retainers, deferred revenue
Nonprofits: fund accounting, grant tracking, Form 990 prep

Software

QuickBooks, Xero & cloud bookkeeping support

Most outsourced bookkeepers work in QuickBooks Online or Xero. Knowing the platform helps you compare quotes apples to apples.

Platform	Best for	Pricing (typical)	Notes
QuickBooks Online	Most U.S. small businesses; default for CPA firms	$35 – $235 / mo (Simple Start → Advanced)	Largest ProAdvisor network; tightest integration with QuickBooks Payroll
Xero	Startups, ecommerce, multi-currency, international	$20 – $80 / mo (Early → Established)	Cleaner UX, unlimited users on every plan, strong app marketplace
FreshBooks	Solopreneurs, freelancers, service-based businesses	$21 – $65 / mo + $11/team member	Invoicing-first; lighter on inventory and accrual reporting
Wave	Very small businesses with minimal volume	Free core, paid add-ons	Good entry point; outgrown quickly past 50 transactions/mo
Sage Intacct	Mid-market and multi-entity businesses	Quote-based, $400+ / mo typical	True multi-entity consolidation; overkill below ~$5M revenue

Vetting checklist

Questions to ask a bookkeeping provider

1
What accounting software do you use, and will I remain the file owner?
2
How quickly do you close the books after month-end?
3
Is your pricing flat-fee monthly or hourly, and what triggers scope changes?
4
Can you handle cleanup or catch-up before we start the monthly engagement?
5
Do you offer payroll, AP, and AR — or do I need separate vendors?
6
How do you coordinate with my CPA at year-end?
7
What industries do you specialize in, and can you share references?
8
How is my financial data protected — MFA, SOC 2, encrypted document portals?

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Featured bookkeepers

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Bookkeeping Packages

Compare Starter, Growth, and Premium monthly tiers.

Bookkeeping Service Price List

Detailed pricing for monthly, cleanup, and add-ons.

Bookkeeping & Payroll

One provider for books and payroll — bundled pricing.

Outsourced Bookkeeping

Full-service outsourced bookkeeping for small business.

Monthly Bookkeeping

Recurring monthly close with reconciliations and reports.

Cleanup Cost Calculator

Estimate your catch-up cost in 60 seconds.

By city

Find this service by city

Houston, TX

Houston CPAs serve energy, healthcare, and the city's vast small-business community.

Dallas, TX

Dallas accounting firms anchor finance, real estate, and corporate headquarters across DFW.

Los Angeles, CA

LA's accountants specialize in entertainment, real estate, and creative-industry tax planning.

San Francisco, CA

San Francisco CPAs serve startups, venture-backed companies, and complex equity-comp clients.

New York City, NY

NYC's accountants cover Wall Street, media, real estate, hospitality, and the small businesses of all five boroughs.

Miami, FL

Miami's CPAs specialize in international tax, real estate, hospitality, and Latin American business.

Chicago, IL

Chicago accountants serve professional services, manufacturing, logistics, and the Midwest's largest corporate base.

Atlanta, GA

Atlanta's CPAs support film, fintech, logistics, and one of the country's most dynamic small-business scenes.

Boston, MA

Boston-area accountants serve life sciences, higher education, financial services, and innovation-economy startups.

Seattle, WA

Seattle CPAs serve tech, aerospace, and the Pacific Northwest's deep entrepreneurial bench.

Washington DC, DC

Washington DC accountants serve federal contractors, nonprofits, associations, and the law firms that anchor the capital's economy.

Baltimore, MD

Baltimore CPAs serve healthcare systems, port and logistics operators, biotech, and the city's deep nonprofit and higher-ed community.

Common questions

Bookkeeping FAQs

Do I need a local Miami bookkeeper or can I work virtually?+

Cloud bookkeeping via QuickBooks Online or Xero means you can work with a specialist anywhere in the U.S. Many Miami business owners prefer virtual bookkeepers who understand Florida sales tax and Miami-Dade surtax rules but do not need to visit the office.

How much does virtual bookkeeping cost in Miami?+

Most Miami small businesses pay $200–$3,500/month for virtual bookkeeping depending on transaction volume, account count, and whether the books are cash or accrual. Cleanup projects range from $500–$9,000+ depending on months behind.

Can a virtual bookkeeper handle Florida sales tax?+

Yes. A Florida-experienced virtual bookkeeper tracks the 6% state sales tax plus Miami-Dade's 1% local option surtax, reconciles DR-15 filings, and keeps tourist development tax records for hospitality businesses.

What's included in a virtual bookkeeping package?+

Typical packages include monthly bank and credit card reconciliation, categorized transactions, accounts payable and receivable, financial reports (P&L, balance sheet, cash flow), and a CPA-ready year-end package.

Can the same provider handle virtual bookkeeping and payroll?+

Yes — the payroll + bookkeeping bundle is common. Payroll entries auto-post to the general ledger, Florida reemployment tax is tracked quarterly, and year-end W-2s and 1099s reconcile to the books before filing.

How quickly can a virtual bookkeeper clean up my books?+

Light cleanup (1–3 months behind) typically takes 1–2 weeks. Standard cleanup (3–9 months) takes 2–4 weeks. Deep or multi-year catch-ups can take 4–10 weeks depending on transaction volume and documentation available.

Will I still need a CPA for taxes if I have a virtual bookkeeper?+

Yes. Your virtual bookkeeper closes the books monthly and delivers a clean year-end package. Your CPA then prepares and files federal and Florida returns. Some firms offer both bookkeeping and tax under one roof.

Is my financial data secure with a virtual bookkeeper?+

Reputable virtual bookkeepers use encrypted document portals, multi-factor authentication, and SOC 2-compliant software. You retain ownership of your QuickBooks or Xero file, and access can be revoked at any time.

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