Accountant or Bookkeeper: Which Do You Need?
A bookkeeper helps you keep track of the money coming in and going out. An accountant can use those records to prepare accounts, deal with tax and advise you about the business. You might need one, the other or a little help from both.
Updated: 7 September 2026.
What does a bookkeeper do?
A bookkeeper usually helps with the regular record-keeping. This can include recording sales and expenses, checking that the records match your bank statement, organising receipts and keeping track of unpaid invoices.
If paperwork is building up and you are spending evenings trying to catch up, regular bookkeeping help may make a difference.
What does an accountant do?
An accountant can prepare year-end accounts and tax returns, explain your tax responsibilities and help you understand how the business is doing. They may also advise on setting up a company, paying yourself or planning for a change in the business.
If the records are up to date but you need help with tax or understanding the figures, an accountant is a good person to speak to.
Can one person do both?
Some accountants offer bookkeeping, and some bookkeepers also handle payroll or VAT returns. Ask exactly what they provide. Another common arrangement is to use a bookkeeper through the year and an accountant for year-end accounts and advice.
You can also use accounting software and pay for help when you need it. If you’re unsure, explain what takes up your time and what you are worried about. Ask which parts you could manage yourself.
Questions to ask before you choose
- What will you do each month or year, and what will I still need to do?
- Who will I speak to when I have a question?
- Have you worked with businesses like mine?
- What is the fee, and which jobs cost extra?
- Which software will we use, and can I access and download my records?
- What qualifications, professional memberships and insurance do you hold?
Check any claimed professional membership with the relevant organisation. Ask how complaints or mistakes would be handled, and get the agreed services and fees in writing.
What to take to the first meeting
Bring a few details about the business: what you do, whether you are a sole trader or limited company, roughly how much you sell, whether you employ anyone and any tax deadlines you know about. A sample of your records can help them understand the work.
You don’t need to make everything perfect before asking for help. Say which records are missing or confusing so they can explain how to put things in order.