Tax and CFO services for online breadwinners

We'll Help You Make More Profit by Finding Legal Ways to Pay Less in Taxes All Year and Showing You Exactly Where Your Money Goes, So You Can Cut What's Wasting It and Grow Faster Every Single Month. Done for You in 6 Weeks or Less.

We fix your books, plan your taxes all year, and report your numbers every month in plain English, so more of what you earn stays in your pocket instead of leaking out through missed write-offs, overpaid taxes, and an accountant who doesn't get online money.

BREADCOUNTER CFO Reading from your closed books
Estimated tax owed
$18,240
Set aside for Q3 federal estimate
Next payment due Sep 15, 2026
Ask anything about your numbers
What do I owe? How is my cash flow trending? How did June look?
How you compare
vs agencies your size
Profit margin40% · avg 31%
Ad spend / revenue21% · avg 28%
Owner pay / profit44% · avg 50%
Months of runway3.4 · avg 2.1
Bar = you · tick = average

Sample dashboard. Real client numbers stay private.

Books fixed in six weeks or less Tax strategy all year, not just in April Built for agencies, e-com, and creators Fractional CFO when you're ready
Meet Breadcounter

Finally, a firm that gets how you make money.

  1. Always know where your money is.

    Real numbers, updated every month, in plain English. No more guessing what you can actually spend.

  2. Pay the IRS less, legally.

    Proactive strategy all year, not a shrug in April. We find the write-offs your last accountant never bothered to mention.

  3. Clean books that qualify for business credit.

    Lenders want clean books and filed returns. We get yours into the shape that gets a yes.

  4. Never explain your business again.

    We already get agencies, ecom brands, and creators. No teaching your accountant what a brand deal is.

  5. A fractional CFO when you're ready.

    We meet with you every month and help you make decisions. Basically, we're your CFO.

Here's everything we do for you.

First, we clean up the mess. Then we keep you ahead of it.

STEP ONE · THE CLEANUP01 / 06

Catch up the books.

Behind on taxes, maybe years? We catch up your accounting and file your past-due taxes, so you're compliant before the IRS comes knocking.

STEP ONE · THE SETUP02 / 06

The right entity, and payroll that runs.

In the wrong entity and overpaying? Paying contractors through Zelle or Venmo with no paper trail? We set up the right entity and get payroll running.

STEP TWO · THE BOOKS03 / 06

Monthly accounting, done for you.

Profit and loss, balance sheet and cash flow, by the fifteenth every month. Banks, processors, platforms and payroll, connected once and reconciled.

STEP TWO · THE TAXES04 / 06

Tax strategy in October, not April.

We do your taxes and your tax planning year-round. By April, most of your options are gone.

STEP TWO · THE DASHBOARD05 / 06

One private link to your numbers.

Your cash, your tax position and how you compare, updated from your closed books, in plain English. Ask it anything, any time.

STEP TWO · THE CFO06 / 06

A real call every month.

A monthly meeting and a same-day reply in between. We help you make decisions.

What happens when you clean your numbers up?

Online coach
$10K → $170K
Monthly revenue

Came to us making $10K a month. We cleaned up the books and planned taxes all year as the business grew to $170K a month, and cut the tax bill by 79% along the way.

Online coach
67%
Less paid in taxes

Already earning $50K a month. Same income, same business, but once their taxes were planned properly, 67% less went to the IRS.

Software developer
$67K
Saved in taxes

Had a tax asset sitting on the books that no one before us had caught. We found it and put it to work, saving 92% of what they would have owed.

Marketing agency
$200K/mo
Agency revenue

Came to us buried in an IRS mess. We cleaned it up, got the books in order, and now run their numbers every month as their CFO.

Chiropractor
$32K
Saved in taxes

Had been quietly overpaying the IRS every year without knowing it. Once we fixed how things were set up, their tax bill dropped 62%.

Financial advisor
$36K
Saved in year one

Thought their taxes were already handled. In the first year working with us, we found $36K they had been leaving on the table.

Find out exactly what you're overpaying, even if you never hire us.

If you understand accounting, you understand money.

Making the money was never the hard part. Keeping it is where everyone gets wrecked. Chris built Breadcounter because old accountants don't understand internet money: brand deals, crypto, Stripe.

Chris FerrettiFounder & CEO · Breadcounter
Chris Ferretti, founder of Breadcounter, speaking at a conference in a Make Accounting $exy Again hat

Frequently asked questions

Who do you work with?

Online businesses: creative agencies, ecommerce brands, creators and influencers, and coaches and consultants. Most people are more than one. Book a call and we'll work out what your numbers actually need.

My books are a mess. Can you fix them?

Yes. That's step one. We catch up your accounting and file your past-due taxes, even if you're years behind. Books are fixed in six weeks or less.

Should I be an S-Corp?

If you're making real money and still filing as an LLC or sole prop, you're probably handing the IRS thousands you could keep. The savings really kick in around $75K to $100K in profit. Below that, the paperwork can cost more than it saves. We'll tell you which side you're on.

What do I get every month?

Your profit and loss, balance sheet and cash flow by the fifteenth. A private dashboard with your cash, your tax position and how you compare. A real call every month, and a same-day reply in between.

Why year-round tax strategy?

Because by April, most of your options are gone. Tax strategy happens in October, not April. And if your CPA isn't saving you more than they cost, fire them.

What happens on the call?

Thirty minutes. We look at your setup and your numbers, and tell you exactly what you're overpaying and what to do about it. You talk to the person who'd actually do the work, not a closer reading a script. The call is free. No pitch, no pressure.

Free discovery call

Ready to make more profit?

Book a call. We'll figure out what you need and map the plan. No homework, no jargon, no guilt trip.

The call is free. The tax bill isn't.