Finance & Taxes

Money is where most first-time founders feel least confident. These guides cover taxes, bookkeeping, invoicing, and financial planning — with region-specific advice for the US, UK, and EU.

35 guides

2 min read

Best Accounting Software for Founders (2026)

Compare the top accounting tools for solo founders and small startups.

2 min read

Best Bookkeeping Tools for Startups (2026)

Top bookkeeping apps and services for founders who hate accounting.

2 min read

Best Payment Processors for Founders (2026)

Compare Stripe, PayPal, Square, and other payment processors for startups.

2 min read

Best Tax Software for Self-Employed Founders (2026)

Compare tax filing tools for US, UK, and EU self-employed founders.

3 min read

Bookkeeping Basics for First-Time Founders

Track every business transaction from day one using a dedicated business bank account, categorize expenses weekly, and reconcile monthly.

3 min read

Cash Flow Management for Bootstrapped Startups

Monitor cash flow weekly: track money in, money out, and runway remaining.

EU3 min read

EU Cross-Border Invoicing and VAT Rules

EU B2B invoices use reverse charge VAT — you invoice without VAT and note the customer's VAT number.

EU3 min read

EU Financial Record Keeping Requirements by Country

EU businesses must keep financial records for 5-10 years depending on country (Germany: 10 years, France: 6 years, Netherlands: 7 years).

EU3 min read

EU VAT MOSS: Selling Digital Services Across Europe

The VAT MOSS (Mini One Stop Shop) lets you register in one EU country and report VAT on digital services sold to consumers across all EU member states.

3 min read

Financial Metrics Every Founder Should Track

Track monthly recurring revenue (MRR), gross margin, customer acquisition cost (CAC), lifetime value (LTV), burn rate, and runway.

EU3 min read

France Auto-Entrepreneur (Micro-Entreprise) Guide

France's micro-entreprise regime offers simplified taxes for revenue under €77,700 (services) or €188,700 (goods).

EU3 min read

Germany Kleinunternehmerregelung: Small Business VAT Exemption

German Kleinunternehmer (small business regulation) exempts you from charging VAT if revenue is under €22,000 (first year) or €50,000 (subsequent years).

3 min read

How to Calculate Your Startup Runway

Runway = cash in bank ÷ monthly burn rate.

3 min read

How to Separate Personal and Business Finances

Open a dedicated business bank account, never pay business expenses from personal cards, and transfer a fixed 'salary' to yourself monthly.

3 min read

Invoicing Best Practices for Founders

Send invoices immediately upon delivery, include clear payment terms (Net 15 or Net 30), accept multiple payment methods, and follow up systematically on overdue invoices.

EU3 min read

Netherlands BV Tax Basics for Founders

Dutch BV companies pay 19% corporate tax on profits up to €200K, 25.

UK3 min read

UK Allowable Business Expenses for Founders

Deduct expenses wholly and exclusively for business: office costs, travel, professional fees, software, marketing, and staff costs.

UK3 min read

UK Corporation Tax Basics for Limited Companies

UK limited companies pay Corporation Tax on profits (19-25% depending on profit level).

UK3 min read

UK Dividend Tax Guide for Company Directors

Dividends above the £500 allowance are taxed at 8.

UK3 min read

UK IR35 Rules: Hiring Contractors Compliantly

IR35 determines whether contractors are genuinely self-employed or disguised employees.

UK3 min read

UK Making Tax Digital: What Founders Need to Know

Making Tax Digital requires VAT-registered businesses to keep digital records and submit returns via MTD-compatible software (Xero, FreeAgent, QuickBooks).

UK3 min read

UK PAYE for Small Business Employers

When you hire employees in the UK, register as an employer with HMRC, run PAYE payroll, deduct income tax and National Insurance, and submit Real Time Information (RTI) reports each pay period.

UK3 min read

UK Self Assessment for Founders and Sole Traders

Sole traders and company directors must file Self Assessment annually by January 31.

UK3 min read

UK VAT Registration: When and How to Register

Register for VAT when turnover exceeds £90,000 in any 12-month period, or voluntarily if it benefits you (e.

US3 min read

US 1099 Contractor Basics for Founders

When you pay a US contractor $600+ in a year, issue a 1099-NEC by January 31.

US3 min read

US Business Tax Deductions Founders Often Miss

Commonly missed deductions: home office, health insurance premiums, retirement contributions (SEP-IRA, Solo 401k), business mileage, software subscriptions, professional development, and startup costs up to $5,000.

US3 min read

US Home Office Tax Deduction: Rules and Limits

Deduct home office expenses if the space is used exclusively and regularly for business.

US3 min read

US LLC Tax Basics: What Every Founder Needs to Know

Single-member LLCs are taxed as sole proprietorships by default (Schedule C).

US3 min read

US Payroll Basics for Small Business Owners

Once you hire W-2 employees, you need payroll withholding, employer taxes (FICA, FUTA), workers' comp, and state unemployment insurance.

US3 min read

US Quarterly Estimated Taxes: A Founder's Guide

US founders who expect to owe $1,000+ in taxes must pay quarterly estimated taxes (April 15, June 15, Sept 15, Jan 15).

US3 min read

US R&D Tax Credit Basics for Startups

Qualified startups can offset up to $500K in payroll taxes with the R&D tax credit.

US3 min read

US S-Corp Election: When and How to File Form 2553

Elect S-Corp status by filing Form 2553 with the IRS within 75 days of formation or by March 15 for the current tax year.

US3 min read

US Sales Tax for Online Businesses: Nexus Explained

You owe sales tax in states where you have nexus — physical presence, economic nexus ($100K+ sales or 200+ transactions), or marketplace facilitator rules.

US3 min read

US Year-End Tax Checklist for Founders

Before December 31: maximize retirement contributions, review estimated tax payments, collect W-9s from contractors, reconcile books, and consult your CPA on S-Corp salary and equipment purchases.

3 min read

When to Hire an Accountant (and What They'll Cost)

Hire an accountant when revenue exceeds $50K, you have employees, you're raising funding, or tax filing feels overwhelming.