Bookkeeping for eBay sellers and resellers, from your phone

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Saturday is estate sales and thrift stores. Weeknights are photos, listings, and packing orders. Payouts land on their own schedule, fees come out along the way, and the receipts for mailers and tape end up in a drawer. By tax time it's hard to say what you actually made.

MiniCFO.io is a simple AI financial assistant for small businesses run from a phone, including online resellers. It keeps the money side short, so you can get back to sourcing and listing.

To be clear up front: MiniCFO.io doesn't connect to eBay or any other marketplace, and it doesn't pull in your sales, fees, or inventory. You log entries yourself, by hand or by scanning a receipt, in a few taps on your phone.

Sales, fees, and shipping in a few taps

Log each sale as income and log fees and shipping labels as expenses, using the numbers in your seller account. Pick one way and stick with it. For example, log the full sale as income and the fees as an expense, so your fees don't disappear inside a smaller payout. Set up quick-add templates for things you log often, like a shipping label, and tap Log again to repeat one. Tag each payment by payment method and filter by it later.

Cost of goods and supplies

Scan the receipt when you buy items to resell at a thrift store, an estate sale, or a yard sale, and when you buy boxes, mailers, tape, and labels. The AI pulls out the merchant and amount, and you check them before you log. For a cash buy with no receipt, log the amount with a short description right away.

One honest note: MiniCFO.io records what you spent when you spent it. It doesn't track inventory or match each item's cost to its sale. The IRS has its own rules for deducting the cost of items you resell, so ask a tax professional how they apply to you.

Sourcing trips are miles too

Drives to thrift stores, estate sales, and the post office can be business miles. Add each trip to the mileage log with the date, miles, and purpose. It applies the IRS standard mileage rate for the trip's date (72.5¢/mile for trips from Jan 1 to Jun 30, 2026 and 76¢/mile from Jul 1, 2026). Trips are saved on this device, so log them on the same phone each time. Which miles count depends on your setup, so check with a tax professional.

What did that month really leave you?

A big sales month can still leave less than you think once fees, shipping, and the cost of what you sold come out. Here's the kind of math MiniCFO.io keeps up with for you.

Example (made-up numbers): In a month your sales come to $2,400. eBay fees are $300, shipping labels $250, the items you sold cost you $600 when you bought them, and mailers and tape come to $50, so $1,200 is left before taxes. With the simplified method below, that's about $483.60 to set aside, leaving about $716.40.

This example is a simplified estimate, not tax advice. It uses about 20% for federal income tax, 15.3% for self-employment tax on the full net profit, and a 5% example state rate, the same simplified method as our quarterly tax set-aside calculator. It does not include deductions, credits, other income, your filing status, or the self-employment tax adjustments the IRS uses, so actual tax may be higher or lower. Talk to a tax professional about your situation.

In the app, the tax set-aside estimate card gives you a rough set-aside from your own income and expenses, and the due-date card shows the next quarterly due date. It's an estimate, not tax advice.

Plan for slow months and big buys

The 6-month cash flow projection looks ahead from your own numbers, so a slow stretch or a big sourcing weekend doesn't catch you off guard. Ask plain-English questions about your own numbers (AI Insights), like "What did I spend on shipping last month?" or "Can I afford a $500 estate sale buy next week?" The weekly summary shows how each week went.

Hand off to your bookkeeper

Export your transactions to CSV for your tax preparer, or export a QuickBooks Journal Entry CSV. You can also import a QuickBooks Profit and Loss Detail report. MiniCFO.io works side by side with QuickBooks through file import and export.

Sign up for MiniCFO.io It's $10 for the first month, then $35/month, no contracts.