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Should I Use a Bookkeeper or CPA?

Greg Swanson

If you're asking should I use a bookkeeper or CPA, you're probably sorting out your small business finances. The two roles sound similar but serve very different purposes—and choosing the right one depends on your needs and stage of growth.

Quick answer: Use a bookkeeper for everyday financial tracking and a CPA for taxes, financial advice, or complex accounting decisions.

What Does a Bookkeeper Do?

Tracks Transactions: Records income and expenses regularly.
Manages Daily Finances: Keeps your books organized and up to date.
Prepares Reports: Generates basic financial statements for internal use.

What Does a CPA Do?

Handles Taxes: Prepares and files business tax returns correctly.
Offers Financial Strategy: Helps with planning, audits, and forecasting.
Ensures Compliance: Makes sure you’re meeting legal and tax requirements.

CPA vs Bookkeeper—Who Do You Need?

Choose a bookkeeper if: You need help staying organized day-to-day and don’t have many tax needs yet.
Hire a CPA if: You want expert tax support, help making financial decisions, or are facing a business audit.

In many cases, you may benefit from both. Start with a bookkeeper and bring in a CPA for small business accounting help as your company grows or becomes more complex. Understanding CPA vs bookkeeper roles helps you save money and stay compliant.

Updated: August 14, 2025

What’s the main difference between a bookkeeper and a CPA?

A bookkeeper handles day-to-day transaction tracking, while a CPA provides strategic advice, tax filing, and ensures compliance with accounting standards.

Do I need both a bookkeeper and a CPA?

You may benefit from both. Many small businesses use a bookkeeper regularly and consult a CPA for tax season or major financial decisions.

Can I just use QuickBooks instead of hiring help?

QuickBooks is a great tool, but if your finances grow complex, human oversight from a bookkeeper or CPA can help avoid costly errors.

When should I hire a CPA?

Hire a CPA when you need tax planning, are facing an audit, want help with growth decisions, or are applying for loans or funding.