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SolutionsCFO Subscription: Bookkeeping, Taxes & ReportsA CFO team for one flat monthly fee: daily bookkeeping, annual business, personal and franchise returns, and a monthly CFO report. From $550 a month.SolutionsMobile App: Cash Flow, Receipts & MileageSee your cash flow as it happens. Digital wallet, bookkeeping, receipts and mileage on your phone. Free to start, included with every CFO plan.CalculatorsFree Financial Calculators for Small Business OwnersFree tax, paycheck, loan, retirement and business calculators. Results on screen with no sign-up, speak your numbers, and get a free guide for each tool.SolutionsTax Prep: Flat-Fee Personal & Business ReturnsKnow the price before we start. Flat, one-time fees for personal, business, state, sales and Texas franchise tax returns, with no hourly billing.SolutionsTexas LLC & Corporation Formation, Flat FeeForm your Texas LLC or corporation for one flat $1,250 fee, state filing fees included. We file with the Texas Secretary of State for you.Guides1031 Exchange (IRC §1031) ExplainedWhat a 1031 exchange is, how the 45-day and 180-day rules, qualified intermediaries and boot work, and the related-party and Form 8824 rules.Calculators1099 Tax Calculator 2026: Self-Employed Tax & Set-AsideFree 1099 tax calculator: self-employment, federal and state tax on contractor income, and how much to set aside each month and quarter.Calculators50/30/20 Budget Calculator: Needs, Wants, SavingsFree 50/30/20 budget calculator: split your take-home pay into needs, wants and savings, adjust the split, and compare it with what you spend today.Calculators529 College Savings Calculator: Cost & Monthly SavingFree 529 calculator: projected college cost from NCES averages, the monthly saving needed, and your shortfall at today's pace. Federal 529 rules explained.Calculators80/20 Rule (Pareto) Calculator for CustomersFree 80/20 calculator: paste your customers or products with revenue to see the Pareto chart, ABC classes and customer concentration risk.CompanyAbout Zentavos: The Team That Picks Up the PhoneReal CPAs, advisors and account managers in Houston, backed by AI and working for small business owners every day. Meet the Zentavos team.GuidesAbusive Trust Schemes: IRS Warnings ExplainedHow abusive trust schemes such as pure trusts and so-called section 643 trusts claim to erase taxes, what the IRS says, and how real trusts differ.CalculatorsAPY & CD Calculator: Interest Rate to APYFree APY and CD calculator: turn an interest rate and compounding into APY, and see what a CD earns, its maturity value and an early withdrawal penalty.GuidesAugusta Rule (IRC §280A(g)) ExplainedWhat the Augusta Rule (IRC §280A(g)) is, how the 14-day home rental rule works, who uses it with a business, its rules, risks and IRS sources.GuidesBackdoor Roth IRA and the Pro-Rata RuleHow the Backdoor Roth IRA and mega backdoor Roth work: nondeductible IRA conversions, the pro-rata rule on Form 8606, 2025 limits and plan requirements.GuidesBonus Depreciation and Section 179 ExplainedHow accelerated depreciation works: 100% bonus depreciation under IRC §168(k), Section 179 limits for 2025, vehicle caps, recapture and IRS sources.CalculatorsBreak-Even Calculator: Units, Sales & HoursFree break-even calculator: how many units or billable hours you need each month to cover fixed costs, plus the sales it takes to hit a profit goal.GuidesBuilding Wealth: Saving, Investing & CreditTurn profit into lasting wealth. Reports on saving, investing, retirement accounts, credit and growing a business, with how each works and its risks.GuidesBusiness Insurance Types Explained (Texas)How business insurance works — general liability, E&O, BOP, property, auto, umbrella, cyber, D&O, EPLI, key person and Texas workers' comp opt-out.CalculatorsBusiness Loan Calculator: Payment, APR & DSCRFree business loan calculator: monthly, weekly or daily payment, true APR with fees, factor rates and your DSCR. SBA 7(a) and 504 limits included.GuidesBusiness Structure: LLC vs S Corp vs C CorpHow each business structure works — sole proprietorship, partnership, LLC, S corp, C corp, series LLC — with liability, tax and Texas filing rules.CalculatorsBusiness Valuation Calculator: EBITDA × MultipleFree business valuation calculator: a low, mid and high value from your EBITDA and your industry's EV/EBITDA multiple (NYU Stern, January 2026).GuidesBuy, Borrow, Die Strategy ExplainedHow Buy, Borrow, Die works: holding appreciated assets, borrowing against them, the §1014 stepped-up basis at death, and interest and margin-call risks.GuidesCash Balance and Defined Benefit PlansHow a Cash Balance Plan and other defined benefit plans work: actuarial funding, 2025 limits, large deductions, required contributions and PBGC coverage.