Bookkeeping and payroll for small businesses across the Bronx, Westchester, and NYC.

Call or Text: (914) 658-2992

What's the best chart of accounts for a NYC residential cleaning business?

A generic QuickBooks chart of accounts with one “Cleaning Income” line and a handful of expense categories won’t tell you much about your business. The goal is a structure that shows which services make money, what your real job costs are, and where overhead is eating into profit.

Start with revenue accounts separated by service type. At minimum you want recurring cleaning, deep cleans, move-out cleans, and post-construction cleanup as distinct income accounts. If you do any commercial or office work, give that its own line too. This separation is what lets you see that your recurring clients generate steady revenue but your deep cleans might carry a higher margin per job. Without it, you’re guessing.

Cost of goods sold is where most cleaning businesses get the structure wrong. COGS should include everything directly tied to performing the work. Direct labor wages for your cleaning crews belong here, not lumped in with general payroll. Payroll taxes on those crew wages go here too. Cleaning supplies and chemicals, equipment replacements like vacuums or mops, and any subcontractor payments for jobs you can’t staff internally all fall under COGS. In New York City specifically, travel costs and tolls deserve their own COGS lines. If your crew is driving from the Bronx to a job in Westchester or crossing a bridge to Manhattan, those EZPass charges and gas costs are real job expenses that reduce your margin on that work. Tracking them shows you the true cost of serving clients in different boroughs.

Operating expenses cover everything that keeps the business running but isn’t tied to a specific job. This includes office or admin wages, rent if you have a space, marketing and advertising, insurance premiums for general liability and workers comp and bonding, software subscriptions, phone and internet, professional services like your bookkeeper and accountant, and vehicle insurance and maintenance. These costs exist whether you clean one house or fifty in a month.

A few accounts that NYC cleaning businesses specifically need and often miss are sales tax payable if you’re collecting on taxable services, workers compensation insurance as its own line rather than buried in a general insurance bucket, and a separate account for bonding costs since many residential clients require it.

Keep the chart detailed enough to be useful but not so granular that entering transactions becomes a chore. Twenty to thirty accounts total is usually the right range for a residential cleaning operation. You can always add accounts later as the business grows, but starting with the right structure from day one saves you from reclassifying hundreds of transactions down the road.

The real payoff of this structure is decision-making. When you can see that recurring cleaning brings in 60% of revenue but post-construction jobs carry twice the margin per dollar, you make smarter choices about where to focus. When you can see that tolls and travel for certain service areas are eating 8% of the job revenue, you know to adjust pricing or stop serving that area. The numbers only tell you these things if the chart of accounts is built to capture them.

If your current books dump everything into broad categories and you can’t tell which service lines are profitable, it’s worth having Bronx bookkeepers who understand the cleaning industry restructure your accounts properly. Getting this foundation right changes what your financial statements can actually tell you about the business.

Your NYC Small Business Bookkeeper

The Next Step:
A Short Conversation

Tell us about your business and what you need help with. We'll ask a few questions, walk you through how we work, and give you an exact quote.

More Questions

How do Bronx janitorial companies track recurring commercial contracts?

Set up recurring invoices in QuickBooks Online for each commercial contract and use customer types or class tracking to separate that monthly revenue from one-off residential or post-construction jobs.

Read answer

How should a warehousing company in the Bronx track inventory vs customer goods?

Customer goods stored in your warehouse are not your inventory and don't belong on your balance sheet. Track them in a warehouse management system, not your accounting books. Your books only reflect the storage and handling fees you earn.

Read answer

How often does a trucking company file IFTA returns?

IFTA returns are filed quarterly, with deadlines on April 30, July 31, October 31, and January 31. You file with your base jurisdiction, and late filings trigger penalties, interest, and potential license suspension.

Read answer

What accounting software works best for a small trucking company?

QuickBooks Online is the best accounting foundation, but it needs a trucking-specific layer on top for IFTA reporting, per-load profitability, and driver settlements. QBO alone leaves too many gaps for a trucking operation.

Read answer

How do I track profitability by building maintenance contract in NYC?

Set up each contract as a project or sub-customer in QuickBooks Online, then allocate direct labor and materials to it. Shared overhead stays at the company level. Monthly gross margin per contract tells you which buildings make money and which ones need repricing.

Read answer

Should I use QuickBooks Online Simple Start, Essentials, Plus, or Advanced?

Most small businesses in NYC do best with Essentials or Plus. The right plan depends on how many people need access, whether you pay vendors through the system, and whether you need to track profitability by project or location.

Read answer

M&H Accounting Services is a Bronx-based firm offering bookkeeping, payroll, and advisory services for small businesses across the Bronx, Westchester County, and all five boroughs. Led by Poly Fatima, who brings corporate accounting experience along with a master's in accounting and years of hands-on small business bookkeeping experience to every client she works with.

  • QuickBooks Online Certified ProAdvisor Level 1 badge
  • QuickBooks Online Certified ProAdvisor Level 2 badge
  • QuickBooks Online Enterprise badge

© 2026 M&H Accounting Services, LLC