Bookkeeping for handymen, between jobs

Try MiniCFO.io

A leaky faucet in the morning, drywall patches after lunch, a punch list on Saturday. Almost every job means a hardware store run, and the receipts end up in the cupholder. By tax time you're guessing what you spent and what you actually made.

MiniCFO.io is a simple AI financial assistant for mobile service businesses. It helps you keep the money side straight without sitting down at a desk.

Snap it at the register

Scan receipts for materials, fasteners, and blades before you leave the parking lot. The AI pulls out the merchant and amount, and you check them before you log. No shoebox in April.

Repeat jobs in one tap

Make quick-add templates for work you do a lot, like a fixture swap or a gutter cleaning, and tap Log again for repeat customers. Tag each payment by payment method and filter by it later.

Every drive to the job and the store

Add each business drive to the mileage log as you go. 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 in your phone's browser, so log them on the same device.

What did you actually make this month?

A busy month can still leave less than you think once materials come out. Here's the kind of math MiniCFO.io keeps up with for you.

Example (made-up numbers): In a month you bill $9,000. Materials and supplies come to $2,700, so $6,300 is left before taxes. With the simplified method below, that's about $2,538.90 to set aside, leaving about $3,761.10.

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 numbers, shows the next quarterly due date with a countdown, and has a Mark as Paid button. It's an estimate, not tax advice.

Can you afford that new tool?

The 6-month cash flow projection looks ahead from your own numbers. Before you buy, ask the AI chat, or the Live CFO by voice (included in your plan), something like "Can I afford a $250 a month trailer payment starting in January?" The weekly summary shows how each week went.

Try MiniCFO.io for $10 for the first month, then $35/month, no contracts.

How MiniCFO.io works

Log it from your phone. Add a job, an expense, or a receipt in a few taps between jobs.
See your numbers and tax set-aside. Your income, expenses, and tax set-aside estimate update as you log, and the due-date card shows the next quarterly due date.
Ask the AI or export for your bookkeeper. Ask the AI chat or the Live CFO about your numbers, or export a CSV or QuickBooks file for your bookkeeper.

What is MiniCFO.io?

MiniCFO.io is a simple AI financial assistant for busy mobile service businesses. You keep track of money from your phone, see roughly what to set aside for taxes, and ask questions about your own numbers in plain English. Stop guessing. Start knowing.

Log income and expenses from your phone in a few taps
Receipt scanning
Mileage log for business trips
Tax set-aside estimate with a quarterly due-date card and Mark as Paid (an estimate, not tax advice)
6-month cash flow projection
Plain-English AI chat and Live CFO voice on your own numbers
Works side by side with QuickBooks through file import and export, plus CSV export
Mobile-friendly: add it to your home screen from the browser, no app store needed

Try MiniCFO.io for $10 for the first month, then $35/month, no contracts.

FAQ

What can I write off as a handyman?

Generally, ordinary and necessary business expenses, like materials and supplies you use on jobs, may be deductible. What applies to you depends on your situation, so check with a tax professional. MiniCFO.io helps by keeping your receipts and expenses logged as you go. This is general information, not tax advice.

Do I have to pay estimated taxes in my first year?

Possibly. The IRS says you generally have to make estimated tax payments if you expect to owe $1,000 or more when you file. MiniCFO.io's due-date card shows the next quarterly due date and a rough set-aside amount. It's an estimate, not tax advice, so check with a tax professional.

Should I use the mileage rate or my actual truck expenses?

It depends on your vehicle and your situation, and there are IRS rules about when you can choose the standard rate, so ask a tax professional. MiniCFO.io's mileage log uses the IRS standard mileage rate for each trip's date, and the free mileage deduction calculator shows the 2026 math. Both are estimates, not tax advice.

I use QuickBooks for my year-end books. Do I have to switch?

No. MiniCFO.io works side by side with QuickBooks through file import/export.

What does MiniCFO.io cost?

$10 for the first month, then $35/month, no contracts.