Trades & Contractors
Job-costing and cash flow you can actually run the business on.
Contractors and trades businesses generating $500K to $3M live and die on job costing, deposit timing, and equipment decisions — and a generic bookkeeper tracks none of it. RTW.ai delivers clean books, proactive tax prep, and quarterly insight built for the way work gets billed and paid in the field.
We work with trades and contracting businesses — HVAC, electrical, plumbing, construction, landscaping — so the books reflect job costing, retainage and deposits, vehicle and equipment depreciation, and the seasonal swings that make cash flow unpredictable.
Pricing
Simple, public, month-to-month.
Pick a tier and sign up. Billed monthly in advance, cancel any time with 30 days notice. No contract.
Bookkeeping
Clean books, monthly reports, reconciliations.
- Monthly bookkeeping — categorization, reconciliations, financial statements
- Ongoing QuickBooks Online maintenance
- Monthly close delivered by the 5th
- Client Center portal access
Best For
Owners who need clean, current books and reliable monthly reporting — without an accountant in their inbox.
Tax prep priced separately · 15% off à la carte tax prep
Start with BookkeepingBookkeeping Pro
Bookkeeping plus the numbers explained — quarterly.
- Everything in Bookkeeping
- Monthly KPI dashboard + quarterly performance report delivered to your Client Center
- Quarterly business advisory review
- Priority email response
Best For
Growing businesses that want a KPI dashboard and the numbers walked through quarterly, not just emailed.
Tax prep priced separately · 15% off à la carte tax prep
Start with Bookkeeping ProCFO Advisory
Strategy, forecasting, and planning in one seat.
- Everything in Bookkeeping Pro
- Monthly strategy session
- Scenario modeling + rolling forecast
- Monthly advisory (vs. quarterly)
- Integrated tax planning
- Quarterly board seat (Q2 + Q4)
Best For
Operators making real decisions every month who want strategy, forecasting, and planning integrated with their books.
Tax prep priced separately · 15% off à la carte tax prep
Start with CFO AdvisoryTax Preparation
Priced separately, on purpose.
Tax prep is an annual deliverable, not a monthly one — bundling it hides the cost of the work. It’s à la carte, and subscribers get a flat 15% member rate.
See full pricing — subscriptions and tax prepFit
Who this is for. And who it isn’t.
This is for you if
- You run a trades or contracting business generating $500K–$3M annually
- You want job-level visibility, not just a year-end P&L
- You're comfortable with templated processes and async delivery
- You want equipment, vehicle, and tax planning handled proactively
This isn’t for you if
- You need full project-management or estimating software (we're the accounting layer)
- You're pre-revenue or under $500K
- You need bonding-driven CFO work beyond CFO Advisory
- You want the cheapest possible bookkeeping
Resource Library
The tax questions trades & contractors owners actually ask.
Written by Askia Roberts, CPA (GA License #CPA038784). No paywalls, no lead forms — just the answers.
Contractor and Trades Business Tax Guide (2024)
The complete tax guide for contractor and trades business owners — plumbers, electricians, HVAC, roofers, general contractors, and more. S-corp structure, vehicle deductions, retirement accounts, quarterly taxes, QBI deduction, and year-end planning. Everything you need to keep significantly more of what you earn.
Read article1099 Contractor Taxes: What You Owe and How to Reduce It
If you're a 1099 contractor or sole-proprietor tradesperson, your tax burden is significantly higher than a W-2 employee's — but most of it is reducible with the right structure. Here is what you actually owe, five ways to reduce it, and when to make the move to an entity.
Read articleBookkeeper vs. CPA for a Contractor Business
Contractors typically either have one without the other — or pay CPA rates for bookkeeping work. Here is how the two roles divide for trades businesses, what each function costs and covers, and what the integrated model looks like.
Read articleCash Flow Problems in Contractor Businesses: Causes and Fixes
High revenue doesn't mean strong cash flow in contractor businesses. Retainage, slow-paying GCs, change order disputes, and tax payments create cash gaps that look like business problems but are actually billing and planning problems. Here is how to diagnose and fix them.
Read articleGet Started
Ready when you are.
Sign up, connect QuickBooks, get to work. We close your books by the 5th of next month — or you don’t pay for the first month.
Past $3M and need the high-touch Elite engagement? Visit rtwadvisors.com.