Bookkeeping in Florida

Bookkeeping services for Florida businesses.

Visory provides bookkeeping services for growing Florida businesses, from professional firms and consultancies to agencies. A dedicated team you know by name works inside your own QuickBooks or Xero file, with Delphi AI taking the repetitive parts under that team’s oversight, and keeps your books to Florida’s sales tax, county surtax, and reemployment tax rules. One flat monthly fee covers the agreed scope.

  • A dedicated team you know by name
  • Florida rules in every pay run and close
  • One flat monthly fee for the agreed scope
Miami’s Brickell skyline across Biscayne Bay in late-afternoon light.
Photo: Rolando Yera, Unsplash License

Who we work with in Florida

Growing businesses across Florida.

Health care and social assistance is Florida’s largest private industry, with about 1.37 million jobs, and professional, scientific, and technical services employ about 763,000 people in about 149,000 establishments (BLS Quarterly Census of Employment and Wages, 2025 annual averages). Across the state, private employers averaged 8.8 million jobs in 2025.

Florida rules

The Florida rules your finance function runs on.

Four rules set by Florida, each with the law that sets it and what it does to your month. Your team works to them every pay run and every close.

Payroll is simpler, the entity is not.

No state withholding means one less deposit each pay run, but a business taxed as a corporation still owes 5.5% on Florida income above the $50,000 exemption, so the tax estimate belongs in the monthly numbers.

Set by Florida Constitution, Article VII, Section 5

Article VII, Section 5 of the Florida Constitution bars a state tax on the income of residents who are natural persons beyond what may be credited against federal tax, so Florida has no income tax on wages and employers withhold federal income tax only. Corporations, including entities taxed federally as corporations, pay Florida corporate income tax instead: 5.5% of Florida net income, the income left after a $50,000 exemption, for taxable years beginning on or after January 1, 2022.

Florida Constitution, Article VII, Section 5; constitutional limit adopted 1971; 5.5% corporate rate for taxable years beginning on or after January 1, 2022.

The cost lands early in the year.

Tax stops once an employee’s wages pass $7,000, so most of the year’s reemployment tax accrues on January to March wages and is paid with the first-quarter RT-6 by April 30, and a budget that spreads it evenly understates January to March.

Set by Florida Reemployment Assistance Program Law, Chapter 443, Florida Statutes

Florida calls it reemployment tax. Employers pay it on the first $7,000 of each employee’s wages in a calendar year, and workers pay nothing. New employers pay 2.7% for their first 10 quarters; after that, 2026 rates run from 0.1% ($7 per employee) to 5.4% ($378). The Employer’s Quarterly Report, Form RT-6, is due April 30, July 31, October 31, and January 31, even with no wages to report.

Florida Reemployment Assistance Program Law, Chapter 443, Florida Statutes; minimum and maximum rates for wages paid in 2026, from January 1, 2026.

The next change moves to January.

After the $15.00 step, the rate holds through 2027 and then changes each January 1, so pay reviews and price increases can be planned on a calendar year instead of around September 30.

Set by Florida Constitution, Article X, Section 24; section 448.109, Florida Statutes

Florida’s minimum wage rose from $14.00 to $15.00 an hour on September 30, 2026, the last of the annual steps voters approved in 2020, and stays at $15.00 through December 31, 2027. From September 2027 it is adjusted for inflation each year, taking effect the following January 1. Tipped employees receive a direct wage of at least $11.98 an hour, the $15.00 rate less the 2003 tip credit of $3.02.

Florida Constitution, Article X, Section 24; section 448.109, Florida Statutes; $15.00 from September 30, 2026, through December 31, 2027.

The county decides the rate.

Surtax follows where a taxable item or service is delivered, so a business selling across counties charges different totals, and the books need tax collected recorded by county to match the return.

Set by Chapter 212, Florida Statutes (sales and use tax)

Each sale, admission, storage, or rental in Florida is taxable unless exempt, and businesses providing taxable services, such as investigative and crime protection services, interior nonresidential cleaning, and nonresidential pest control, must register to collect tax. The state rate is 6%. County surtaxes run from none to 2% in 2026, so combined rates range from 6% to 8%. Most new businesses file quarterly, monthly above $1,000 of tax a year, with returns due on the 1st and late after the 20th of the next month.

Chapter 212, Florida Statutes (sales and use tax); discretionary sales surtax rates for calendar year 2026.

Rules last checked October 9, 2026 against the sources at the foot of this page. General information only. It does not take your circumstances into account.

How it works from anywhere

Can a team outside Florida run a Florida business?

Yes. Visory’s US leadership team is in New York, and its teams work with businesses across the United States remotely, inside your own accounting file, so nothing about the work depends on where your office is.

Your own file

Your books stay in your own QuickBooks or Xero file. Your team works inside it, so you see the same numbers they do, whenever you look.

A team you know by name

A dedicated team runs the work, led by a Business Performance Partner. You meet them by video call, and you always know who to ask.

Florida rules, built in

Visory runs the finance function for growing businesses across the United States, with its US leadership team in New York. Your books stay in your own QuickBooks or Xero file, and your team works inside it with you. Every pay run and every close is checked against the rules on this page.

Business hours, and the platform after them

Your team works 9am to 5pm Eastern Time on business days, all year round, and the Visory platform is open to you around the clock for documents, approvals, and your numbers.

Visory Insights

What your numbers should show in Florida.

Clean books are the start. Every month, Insights turns them into a plain-English report, and a named Business Performance Partner walks your leadership team through what they mean for the year ahead.

Reemployment tax, front-loaded

At the 2.7% new-employer rate, each employee costs $189 in reemployment tax a year, and for anyone paid more than $28,000 a year, all of it falls in the first quarter. Insights puts that into the cash flow forecast, so January to March is planned, not a surprise.

The $15.00 floor, priced in

The step from $14.00 to $15.00 adds $2,080 a year for a full-time employee on the minimum, working 2,080 hours. With the rate fixed until December 31, 2027, Insights shows the full-year cost in 2027 and the January 2028 change in the forecast.

Corporate tax starts above $50,000

A corporation with $200,000 of income apportioned to Florida pays 5.5% on the $150,000 above the exemption, or $8,250. Insights tracks Florida income through the year, so the tax is set aside as profit builds rather than found at year end.

Looking for a fractional CFO in Florida? Visory has no standalone CFO offer. That work sits inside Visory Insights and your sessions with a Business Performance Partner. See Visory Insights

What customers say

In a customer’s words.

“Visory understands my business deeply and it's evident with the thoughtful questions they ask and changes they propose.”

Rachelle Harper Co-founder and COO, BrandBossHQ

Common questions

Questions Florida businesses ask.

Straight answers about bookkeeping for a Florida business, from a team that works remotely.

Does Visory have an office in Florida?

Visory’s US leadership team is in New York, and its teams work with growing businesses across the United States remotely, so we support businesses in Florida as we do everywhere else. A Florida business gets a dedicated team you know by name, who work inside your own QuickBooks or Xero file and meet you by video call. Your records stay in your file, which you can open at any time.

What hours does my Visory team work?

Your team works 9am to 5pm Eastern Time on business days, all year round. Outside those hours, the Visory platform is your 24/7 access point, so your financial information is there whenever you need it.

Can a bookkeeper outside my office look after a Florida business?

Yes. What matters is that the team knows Florida’s rules and works inside your own accounting file. Visory connects to your bank feeds and software, codes and reconciles transactions through the month with Delphi AI working under an expert team, and meets you by video call. Nothing about the work depends on where your office is.

How much does a bookkeeper cost in Florida?

Visory charges one flat monthly fee for the scope we agree, with no hourly billing and no timesheets. The fee reflects the services you take, from bookkeeping and payroll to accounts payable, accounts receivable, and Insights, and the volume of work in your business. After a discovery call, you get a clear proposal, so you know the monthly cost before you start.

See how pricing works

Do you work in QuickBooks and Xero?

Yes. Visory works inside the systems you already use: QuickBooks and Xero for the ledger, Gusto and Rippling for pay runs, and Bill, Ramp, and Stripe for payments, along with your bank feeds. Your books stay in your own accounting file, which you own and can open at any time. Any change to your setup is agreed with you first.

Do Florida businesses charge sales tax on services?

Some do. Florida taxes each sale, admission, storage, or rental unless it is exempt, and the Department of Revenue lists investigative and crime protection services, interior nonresidential cleaning, and nonresidential pest control among the taxable services. The state rate is 6%, plus a county surtax of up to 2% in 2026. This is general information; the Florida Department of Revenue sets the rules.

Does Florida have a state income tax?

Not on individuals. The Florida Constitution limits a state tax on the income of residents who are natural persons, so there is no state withholding from wages. Corporations do pay Florida corporate income tax, 5.5% of Florida income above a $50,000 exemption, so the entity your business uses decides whether there is a state tax to plan for. This is general information; the Florida Department of Revenue sets the rules.

How often do Florida businesses file sales tax returns?

Most new businesses file quarterly, and a business collecting more than $1,000 of tax a year files monthly. Returns and payments are due on the 1st and late after the 20th of the month after each period, and a return is filed even when no tax is due. Filing and paying electronically on time earns a collection allowance of 2.5% of the first $1,200 of tax, up to $30. This is general information; the Florida Department of Revenue sets the rules.

Can you look after staff in more than one state?

Yes. Each state sets its own income tax withholding, unemployment insurance, minimum wage, and leave rules. Florida has no income tax on wages, so staff working in Florida have no state withholding, while staff in other states follow those states’ rules. Visory keeps one set of books and runs payroll with each state’s rules applied, so every state’s cost shows in one monthly report.

Do you offer a fractional CFO in Florida?

A fractional CFO advises on numbers someone else produces. Visory runs the books, payroll, and payments, then delivers the insight from the same team: Visory Insights is a plain-English monthly report and a session with a named Business Performance Partner. There is no handover between the doing and the advising, and it comes on one flat monthly fee.

See how Visory Insights works
More questions, longer answers. Every question has its own link. See all common questions

Getting started

Start with clarity, not a contract.

Three steps, in whatever rhythm suits you. Each one is useful on its own.

  1. Two people shake hands across a desk beside a laptop

    Book a discovery call

    An obligation-free conversation about your goals and what you want the numbers to tell you.

    Obligation-free
  2. A woman takes notes beside a laptop showing a financial report

    Get your free financial health check

    A senior member of the Visory team analyzes your financials and shows you where your finance function can improve. It is free, and it is your own numbers.

    Free · your own numbers
  3. Top-down view of hands on a laptop showing the Visory accounts receivable workflow

    Receive a clear proposal

    A clear commercial proposal for the scope we agree, on one flat monthly fee. No hourly billing. You decide whether to go ahead.

    Flat monthly fee

Get started

The best is ahead for your business.

Start with a discovery call. We will listen first, then show you what your own numbers have been trying to tell you.

Sources (16) · rules last checked October 9, 2026

A different Visory region may suit you

You’re viewing Visory US. Would you like to visit Visory AU?