White-label bookkeeping margin calculator
Enter what you bill a client, what a partner charges you, and how long your review takes. The calculator shows your margin per client and per year, and how many clients it takes before outsourcing costs as much as one more hire.
- Margin per client per month
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- Margin, all clients, per year
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- Margin as % of billing
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| Monthly billing | – |
|---|---|
| Partner cost | – |
| Your review cost | – |
| Monthly margin | – |
| One hire, per year (salary + employer Social Security, Medicare and federal unemployment) | – |
| Partner cost for these clients, per year | – |
| Clients one hire could handle at these hours | – |
| In-house cost per client per month | – |
| Partner cost as a share of in-house cost per client | – |
How the numbers are worked out
- Margin per client = what you bill − partner cost − (review minutes ÷ 60 × reviewer cost per hour).
- One hire = salary + 7.65% employer Social Security and Medicare (6.2% Social Security on wages up to the 2026 base of $184,500, plus 1.45% Medicare) + federal unemployment of 0.6% on the first $7,000. State unemployment tax, benefits, software, equipment, recruiting and training are not included, so the true cost of a hire is higher.
- In-house cost per client = one hire's yearly cost ÷ 12 ÷ the number of clients that hire could handle, where clients handled = 173.3 working hours a month × productive share ÷ hours per client. With the defaults (5 hours, 80%), one hire handles about 28 clients and costs about $164 per client a month, so a $60 partner cost is about 37% of it. At 4 hours per client the share is about 46%, and at 6 hours about 30%.
- Break-even is the number of clients at which a year of partner fees equals the cost of one hire. It assumes one hire could handle that many clients, which depends on their volume and complexity.
What the calculator does not tell you
It does not measure quality, turnaround or risk, and it does not include what you charge for advisory or tax work on the same clients. Before sharing client data with any third-party provider, AICPA members must tell the client and protect confidentiality through an agreement or client consent; seeoffshore bookkeeping for US CPA firms for the rules, and white label vs private label for the two models.
RazaPro provides white-label bookkeeping, payroll tax and sales tax support to US firms. Wholesale prices are $40 to $70 per client a month; see white-label bookkeeping pricing for the tiers, or start a free pilot.