SaaS Accounting,
Done the Way Investors Read It
Deferred revenue, real gross margin, Stripe payouts split correctly, and sales tax tracked across states - handled by an AI-native platform and reviewed by licensed CPAs. Your books produce the metrics your board asks for, without a spreadsheet layer on top.
A back office that understands subscriptions
Everything a SaaS company needs from bookkeeping through tax filing, in one platform.
Subscription revenue done right
Annual and monthly plans are recognized over their service period, with deferred revenue tracked automatically - so revenue on the books matches the MRR you report.
Stripe payouts, fully split
Every payout is broken into gross revenue, processing fees, and refunds from the Stripe feed itself. Your revenue line is gross, your fees are visible, and reconciliation is automatic.
Tax filing and R&D credit
Federal and state returns, Delaware franchise tax, and the R&D payroll tax credit - prepared from your live books and signed by licensed CPAs.
Sales tax exposure tracking
SaaS is taxable in a growing list of states. We track where your customer base creates nexus and keep registrations and filings on the calendar before they become penalties.
Generic bookkeeping breaks on SaaS
The failure modes are predictable - and expensive to unwind during diligence.
Cash-basis books lie about a subscription business
Book an annual prepay as one month of revenue and your growth chart shows spikes that aren't growth. Investors reconstruct real MRR in diligence either way; books that already show it make the process a formality instead of a cleanup.
Gross margin depends on a correct COGS split
Hosting, third-party APIs, and support belong in COGS; engineering salaries don't. Miscategorize them and your gross margin - the number that benchmarks you against every other SaaS company - is fiction.
Sales tax nexus creeps up on you
Every state you cross a threshold in is a registration, a filing cadence, and a liability that accrues quietly if ignored. Tracking it after the fact costs far more than tracking it as you grow.
Your engineering payroll is a tax asset
The R&D credit can return up to $500,000 a year against payroll taxes for a product-building startup. It requires connecting payroll data to qualified activities - trivial when your accountant already ingests your payroll, impossible when nobody owns both.
Up and running in hours, not weeks
Connect your stack
Banks, Stripe, payroll, and expense tools link in one session. Existing books get migrated and cleaned up.
The platform runs your books
Daily categorization, payout splitting, deferred revenue schedules, and the compliance calendar run automatically.
CPAs review and sign
Licensed CPAs review your books monthly and sign every return, including the R&D credit.
SaaS accounting questions, answered
What SaaS founders ask us most before switching.
Subscription revenue is earned over the service period, not when the cash lands. A customer paying $12,000 for an annual plan generates $1,000 of revenue per month; the rest sits in deferred revenue. Cash-basis books that call the whole payment "revenue" overstate income, distort MRR, and confuse investors. Vecty tracks deferred revenue so your books match your metrics.
Hosting and infrastructure, third-party APIs that power the product, payment processing on subscription revenue, and customer support tied to delivery. Getting this split right is what makes your gross margin real - and SaaS gross margin is one of the first numbers an investor checks.
A Stripe payout is a net number: gross subscription revenue minus fees and refunds. Booking the deposit as revenue undercounts both revenue and expenses. Vecty ingests the Stripe feed itself and splits every payout into gross revenue, processing fees, and refunds automatically.
In a growing number of US states, yes - SaaS is taxable in states like New York, Texas, Pennsylvania, and Washington, and exempt in others. Where you owe depends on where your customers are once you cross each state's nexus threshold. Vecty tracks your exposure and keeps registrations and filings on the compliance calendar.
Almost always. Engineering payroll spent building and improving your product is the classic qualifying expense, and eligible startups can apply up to $500,000 per year against payroll taxes. Vecty identifies qualifying costs directly from your payroll data and files the credit with CPA review.
Stop managing your books. Let Vecty manage them for you.
Bookkeeping, taxes, compliance, and optimization - handled end-to-end. Talk to us and see the system in action.