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Bookkeepers vs. Accountants vs. CPAs: What’s the Difference?

  • canfield246
  • Jun 27
  • 2 min read

If you’re a business owner trying to get a handle on your finances, you’ve probably come across the terms bookkeeper, accountant, and CPA. But what’s the actual difference between them—and which one do you need?


Here’s a simple breakdown:


Bookkeeper


A bookkeeper handles the day-to-day financial tracking for your business.They record and categorize transactions, reconcile bank statements, and keep your books organized and up to date.


What they do:

  • Record income and expenses

  • Manage payroll

  • Reconcile accounts

  • Keep clean records for tax time


Best for: Business owners who need regular help keeping finances organized and ready for tax filing or decision-making.


Accountant


An accountant builds on what the bookkeeper provides. They analyze the numbers, offer insights, and may handle tax planning and preparation.


What they do:

  • Interpret financial data

  • Prepare financial statements

  • Offer advice on budgeting and planning

  • File business taxes


Best for: Owners who want help understanding the bigger financial picture, staying compliant, and making smart decisions.


CPA (Certified Public Accountant)


A CPA is an accountant who’s passed a rigorous exam and holds a license from the state. CPAs often specialize in areas like audits, tax strategy, or high-level consulting.


What they do:

  • Everything an accountant does, plus:

  • Represent you before the IRS

  • Prepare audited financial statements

  • Handle more complex tax and legal issues


Best for: Larger businesses or those with complex tax needs, investors, or legal requirements.


Which One Do You Need?


  • Just getting your finances in order? Start with a bookkeeper.

  • Want to grow or need help at tax time? An accountant is a great fit.

  • Have complex tax needs or need official financial reports? You may need a CPA.


At Affordable Accounting, we combine bookkeeping and accounting services for small businesses that want both clarity and convenience. You get reliable support, clean records, and smart advice—all in one place.


Want to know what’s right for your business?

Reach out to Affordable Accounting for a quick consultation:


 
 
 

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