Collective

All-in-one back office for self-employed including S-Corp formation, bookkeeping, tax filing, and payroll in one membership.

Pros & Cons

Pros

Complete solution
S-Corp tax savings
Expert guidance

Cons

High monthly cost
Best for higher earners

Key Features

S-Corp formation

Bookkeeping

Tax filing

Payroll

Dedicated advisor

FAQs

When should gig workers consider Collective?

When earning $80k+ annually, an S-Corp through Collective can save thousands in self-employment tax.

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Intuit's finance app designed for freelancers and gig workers with TurboTax integration.

Wave

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Free accounting software for freelancers and small businesses with invoicing and payments.

FreshBooks

$17/month

Cloud accounting software designed for service-based freelancers with time tracking.

Bench Accounting

$299/month+

Professional bookkeeping service that handles monthly books and year-end tax prep for freelancers and gig workers who want hands-off accounting.

Fact-Checked Expert Reviewed Regularly Updated

Last updated: January 18, 2026

Reviewed by GigFinance Team, Gig Economy & Finance Experts

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