Collective

Collective is not software you operate; it is a membership that bundles the whole back office a solo business needs. Monthly bookkeeping is automated and reviewed, invoicing and financial reports are built in, quarterly tax estimates are calculated, and on the S Corp tier it files your election, helps set a defensible reasonable salary, runs owner and contractor payroll, and prepares and files the annual business return, with a dedicated account manager as your point of contact. That bundling is the point for a high-earning solo founder: the expensive mistakes in an S Corp are rarely arithmetic, they are missed elections, a salary set too low, or payroll and books that do not agree — and Collective is structured to keep those pieces consistent in one place. The LLC tier covers formation or review of an existing entity, bookkeeping and a basic individual return, while personal returns on the S Corp tier and catch-up bookkeeping for past months are add-ons to budget for. It only serves solo businesses by design, so a company planning to hire a team and raise capital will outgrow it. Priced against hiring a bookkeeper, payroll service and tax preparer separately, many solos find the single monthly fee easy to justify.

Two flat monthly membership tiers by entity type; catch-up, late election relief and some personal returns are paid add-ons.