"How much does an accountant cost?" has an unhelpful honest answer: it depends. This guide makes that answer useful. It explains the three ways accountants charge, the things that actually move the price, what's normally included and what's normally extra, and how to compare quotes so you're comparing like with like.
You won't find made-up "average price" tables here. Published averages mix simple individual returns with complex business groups, and they date quickly. Instead, we'll show you how pricing works and give you our own prices as one real, current example.
How do accountants charge?
Almost every Australian accounting firm uses one of three models, or a mix.
| Model | How it works | Good for | Watch out for |
|---|---|---|---|
| Hourly (time-based) | You pay for the time spent, at a rate that usually varies with the person's seniority | One-off, unpredictable work such as an ATO dispute or a complex transaction | You don't know the cost until the invoice arrives. Every phone call can feel like it's on the meter |
| Fixed fee per job | A set price for a defined job, such as a tax return or a set of financial statements | Simple, predictable work done once a year | "Out of scope" extras. Check what's included and what triggers an extra charge |
| Subscription (weekly or monthly) | A regular payment for an agreed bundle of work through the year | Businesses that need bookkeeping, BAS, payroll and advice all year round | Make sure the bundle matches what you need, and check volume limits |
Hourly billing
The traditional model. It's transparent in one sense, because you see the hours, but it puts all the risk of inefficiency on you. If your records are messy, or the firm's processes are slow, you pay for it. It also discourages questions, because clients learn that every call costs money, so they stop calling, and problems are found late.
Hourly billing still makes sense for work that genuinely can't be scoped, such as responding to an ATO audit where nobody knows how deep it will go.
Fixed fee per job
A set price for a defined piece of work. Common for individual and simple business returns. The key is the scope: what volume of transactions, how many entities, whether the books arrive reconciled or in a shoebox. A fixed fee is only fixed if the job is what both sides assumed.
Subscription pricing
A regular fee, often weekly or monthly, for a package of work across the year. This is how we price. It spreads the cost evenly, matches the way businesses actually need help (continuously, not once a year), and removes the "is this call going to cost me?" problem.
The risk is paying for things you don't use. A good subscription is built around your actual needs and reviewed when they change.
What affects how much an accountant costs?
These are the things that genuinely move the price. When you compare quotes, check each firm has assumed the same answers.
| Cost driver | Why it changes the price |
|---|---|
| Number of entities | Each company, trust, partnership and SMSF has its own accounts and return. A family group with four entities is four sets of work plus the links between them |
| State of your records | Reconciled books in cloud software are quick to work with. Missing statements, uncoded transactions and personal spending through the business account are slow |
| Transaction volume | More transactions means more bookkeeping and more to check |
| Staff and payroll | Each pay run, Single Touch Payroll report, super payment and award question adds work. Payday Super, from 1 July 2026, means super is paid each payday. See our payroll and Payday Super service |
| GST and BAS frequency | Monthly BAS is three times the lodgments of quarterly |
| Industry complexity | Construction (taxable payments reporting, progress claims), medical (contractor arrangements and payroll tax), property development and hospitality all carry extra rules |
| Advice you want | Lodging returns is compliance. Tax planning, cash flow forecasting and strategy meetings are advice, and priced separately or in a higher tier |
| Overdue lodgments | Catching up several years, often with ATO correspondence and penalties, is a project of its own |
| One-off events | Selling a business, restructuring, a big capital gain, moving overseas or an ATO audit |
Key point: The single biggest thing you control is the state of your records. Books kept up to date in Xero, with receipts attached, cost less to work with than a year of statements handed over in July.
What's usually included, and what's usually extra?
There's no industry standard, so always ask for the list in writing. This is what we typically see.
| Usually included in a business package | Often charged separately |
|---|---|
| Bookkeeping up to a set volume of transactions | Bookkeeping above the volume limit, or catch-up bookkeeping |
| BAS preparation and lodgment | Monthly BAS, if the package assumes quarterly |
| Annual financial statements | Payroll, if not in the package |
| The business's income tax return | Owners' personal returns, family trust and SMSF returns |
| Reasonable phone and email questions | Tax planning before 30 June |
| ASIC annual review reminders | ASIC changes such as new directors or share issues |
| ATO audits, reviews and objections | |
| Restructures, business sales, private rulings | |
| Government fees, such as ASIC's annual review fee, which go to the government, not the accountant |
ASIC's fees for companies are set by the government and are the same whoever your accountant is. You can check them on ASIC's fees page.
What does BPAG charge?
Here's one real example. These are our current business plans. All prices are "from", plus GST, and the final price depends on the drivers in the table above.
| Plan | From (+ GST) | What's included |
|---|---|---|
| Compliance Essentials | $149 a week | A dedicated client manager, bookkeeping up to 100 transactions a month, BAS lodgments, the company tax return and annual financial statements |
| Business Insights | $249 a week | Everything in Compliance Essentials, plus weekly payroll for up to 10 staff, monthly management reports, and KPI and performance analysis |
| Fractional CFO | $499 a week | Everything in Business Insights, plus a monthly CFO strategy meeting, strategic cash flow forecasting, proactive annual tax planning and annual industry benchmarking |
Details are on our pricing page. We price on a fixed basis so there are no surprises. Before we start, you'll know what's included and what, if anything, would cost extra. Want to understand what the top tier adds? Our article on what a fractional CFO does explains it.
Why we price weekly
Because a business's accounting needs are continuous. Books need updating daily, BAS is due quarterly (or monthly), payroll runs every week or fortnight, and the useful conversations happen before deadlines, not after. A weekly price spreads that cost evenly and means you can ask a question without wondering whether it will show up on an invoice.
How to compare accountant quotes
Two quotes can look very different and cover different work. Line them up properly.
- List your entities and ask each firm to confirm which returns are included: company, trust, partnership, SMSF, each owner's personal return.
- State your volume: roughly how many transactions a month, how many staff, how often you lodge BAS.
- Ask what's out of scope. Get a written list.
- Ask how extras are priced. Hourly, a fixed price per item, or quoted before starting?
- Ask who does the work and whether that affects the price.
- Ask what happens if your needs change, for example you hire staff or set up a trust.
- Annualise everything. A weekly price, a monthly price and a set of per-job prices all convert to a yearly total. Compare that number.
A worked comparison
Hypothetical, round numbers, for illustration only. Not a market survey.
Say you run a company with six staff, a family trust that owns the company's shares, and you and your partner each need a personal return. You get two quotes.
| Quote A: per-job pricing | Quote B: package | |
|---|---|---|
| Company return and financials | Listed price | Included |
| Trust return | Listed price | Check: often extra |
| Two personal returns | Listed price each | Check: often extra |
| Quarterly BAS × 4 | Listed price each | Included |
| Payroll for six staff, 26 fortnights | Hourly | Included up to 10 staff, or extra |
| Questions during the year | Hourly | Included |
| Tax planning before 30 June | Hourly | Higher tier only |
| What to compare | Sum every line, plus a realistic estimate for the hourly items | Package price plus every "check" item |
The per-job quote often looks cheaper until you add the hourly items you'll actually use. The package often looks dearer until you notice how much it covers. Neither is automatically better. The point is to compare the full year.
Are accountant fees tax deductible?
Generally, yes.
- Business accounting and bookkeeping fees are a normal business expense, deductible to the business.
- Fees for managing your tax affairs, such as having a registered tax agent prepare your return, give tax advice or deal with the ATO for you, are deductible. The ATO says you generally claim them in the income year you pay them. See the ATO's guidance on the cost of managing tax affairs.
- Advice from someone who isn't a registered tax agent (or other recognised tax adviser) isn't deductible as a cost of managing tax affairs. Check your accountant on the Tax Practitioners Board register.
- Costs of setting up a structure or buying a business may be capital, not an immediate deduction. Some may be deductible over five years. Ask.
The ATO also notes that the general interest charge and shortfall interest charge incurred from 1 July 2025 aren't deductible, which is another reason to keep lodgments and payments on time.
How to keep your accounting fees down
You can't change the law's complexity, but you can change how much of your accountant's time goes on avoidable work.
- Use cloud software, and keep it current. Reconcile your bank feed weekly, not yearly, or have us do it as part of our Xero bookkeeping service. Our guide to Xero vs MYOB helps if you're choosing.
- Attach receipts as you go. A photo at the time beats a search in June.
- Keep business and personal spending separate. One business account, one business card.
- Answer questions quickly. A query left for three weeks often becomes a phone call, a reminder and a delay.
- Tell your accountant before big decisions, not after. Buying a vehicle, hiring, signing a lease, moving overseas. Advice before is cheaper than fixing after.
- Don't let lodgments go overdue. Catch-up work and ATO penalties cost more than the original job. If you're already behind, our guide to overdue tax returns explains the way back.
- Review your package annually. If you've grown, you may be paying hourly for things a higher tier includes. If you've simplified, you may be overpaying.
Mistakes we see with accounting fees
- Choosing on the headline price and paying more by June in extras.
- Not reading the scope, then disputing an invoice for work you assumed was included.
- Avoiding calls to save money, then paying much more to fix the problem the call would have prevented.
- Paying for advice from someone who isn't registered. It's not deductible, and it's not protected by the Code of Professional Conduct.
- Splitting work across several providers and paying each to reconcile what the other did.
- Staying on hourly billing for regular work that a fixed price would cover more cheaply.
How BPAG keeps the price fixed
Fixed pricing only works if the firm can do routine work efficiently. That's where our systems come in. BPAG works exclusively on Nagaris, a practice platform with specialist AI agents for Australian accounting work. Our transaction coding agent suggests account codes and GST for unreconciled bank lines and drafts questions for anything unclear. Our year-end records request agent builds your document checklist from last year's figures, so we ask once, for the right things. A qualified accountant reviews every draft, and nothing goes to you or the ATO without a person approving it.
The time saved on routine work goes into the part you're actually paying for: someone who knows your business, answers your questions and tells you about issues early. If you want to know what to look for beyond price, read our guide on how to choose an accountant, or see our tax returns, BAS, payroll and ASIC service for what's covered.
Frequently asked questions
Why won't accountants quote a price over the phone?
Because the same job can be two hours or twenty depending on your records. A quote without seeing your last return, your software file and your entity list is a guess, and guesses turn into surprise invoices. A good firm will give you a firm price after a short review.
Is a cheaper accountant a false economy?
Sometimes. For a simple return, a low-cost agent is fine. For a business with a company, trust, staff or growth plans, the cost of a missed deduction, a poor structure or a late lodgment penalty can be many times the fee difference. Compare what's included, not just the headline price.
Do I pay GST on accounting fees?
Yes, if the firm is registered for GST, which almost all are. Prices are often quoted plus GST, so check. If your business is registered for GST, you can usually claim the GST back as a credit on your BAS.
Can I pay my accountant's fee from my tax refund?
Some firms offer fee-from-refund for individual returns, sometimes with an added charge. It's convenient, but check what you're paying for it. Business clients on a subscription usually pay weekly or monthly instead, which spreads the cost evenly.
What's included in a fixed-fee accounting package?
It varies, which is why you should ask for the list in writing. Typically: bookkeeping up to a set volume, BAS lodgments, the annual tax return and financial statements, and reasonable phone and email questions. Payroll, tax planning, ATO audits and one-off projects are often extra.
Official sources
General information only, current as at 18 October 2026. It is not personal tax, legal or financial product advice and doesn't take your circumstances into account. Talk to us before you act. Where a recommendation needs a licensed financial adviser or a solicitor, we work alongside them.