# GlacialBooks

GlacialBooks is bookkeeping software for people building businesses their own way, showing creators, freelancers, agencies, contractors, and service businesses what they earned, where it went, and what needs attention, with records an accountant can work from. It is operated by FinArctic LLC under license from Fluent Terrain LLC.

The product brings in bank, card, and uploaded activity, categorizes income and spending, reconciles accounts against statements, attaches receipts to the purchases they belong to, allocates costs to jobs and clients, prepares core reports, and completes month end close work, keeping every record traceable to its source. Arko is the assistant built into the product. Arko is software, not a person or a licensed CPA.

Canonical site: https://glacialbooks.com
Primary contact: glacialbooks@fluentterrain.com

## Who it is built for

- [Creators and influencers](https://glacialbooks.com/for/creators): Sponsorships, affiliate income, platform payouts, digital products, equipment and production costs, and contractor payments.
- [Freelancers and consultants](https://glacialbooks.com/for/freelancers): Client income, outstanding invoices, business expenses, deductions, tax reserves, and irregular income.
- [Agencies and studios](https://glacialbooks.com/for/agencies): Project and client profitability, pass through spend, contractor costs, payroll allocation, and team access.
- [Contractors and trades](https://glacialbooks.com/for/contractors): Job costing, materials, labor, subcontractors, vehicle expenses, progress billing, and retainage.
- [Service businesses](https://glacialbooks.com/for/service-businesses): Customer payments, processor deposits and fees, supplies, recurring costs, and staff cost tracking.
- [New and small businesses](https://glacialbooks.com/for/small-businesses): Setup, separating business and personal activity, importing history, and preparing for taxes.
- [Bookkeepers and accountants](https://glacialbooks.com/for/bookkeepers-accountants): Client work, review controls, corrections, and complete records across client organizations.

## Product

- [Home](https://glacialbooks.com/): Product overview and current positioning.
- [Features](https://glacialbooks.com/features): Current GlacialBooks capabilities.
- [Pricing](https://glacialbooks.com/pricing): Starter, Solo, Studio, and Summit plans.
- [Plaid integration](https://glacialbooks.com/integrations/plaid): Live bank and card connection information.

## Guides

- [Comparisons](https://glacialbooks.com/vs): GlacialBooks comparisons with established tools and services.
- [Alternatives](https://glacialbooks.com/alternatives): Accounting and bookkeeping alternatives.
- [Who it is for](https://glacialbooks.com/for): Guidance for creators, freelancers, agencies, contractors, restaurants, service businesses, new businesses, and accounting professionals.
- [Tools](https://glacialbooks.com/tools): Working bookkeeping templates, invoice generation, cleanup planning, and tax calculators.
- [Profit and loss builder](https://glacialbooks.com/tools/profit-and-loss-template): Build a statement and download a filled PDF or Excel workbook, or use the blank Excel, CSV, and PDF files.
- [Invoice generator](https://glacialbooks.com/tools/invoice-template): Create and download a PDF invoice without an account.
- [Chart of accounts templates](https://glacialbooks.com/tools/chart-of-accounts-template): Download populated service, ecommerce, and contractor workbooks and CSV files.
- [Bookkeeping cleanup estimator](https://glacialbooks.com/tools/bookkeeping-cleanup-estimator): Estimate effort and cost from the actual cleanup scope.
- [Sales tax calculator](https://glacialbooks.com/tools/sales-tax-calculator): Use confirmed state base rates, optional local rates, several line items, and reverse calculation.
- [Income tax estimator](https://glacialbooks.com/tools/income-tax-calculator): Estimate federal, employment, supported state, and entity tax with a visible breakdown and comparison mode.
- [Self employment tax calculator](https://glacialbooks.com/tools/self-employment-tax-calculator): Estimate self employment tax with the 2026 Social Security and Medicare structure.
- [S corporation tax calculator](https://glacialbooks.com/tools/s-corporation-tax-calculator): Compare owner salary and distribution treatment with other entity views.
- [Glossary](https://glacialbooks.com/glossary): Plain language bookkeeping definitions.
- [Coming from Bench](https://glacialbooks.com/from-bench): Preserve completed Bench records, choose a verified transition date, and move without rebuilding the books from memory.
- [Research and benchmarks](https://glacialbooks.com/resources): Modeled bookkeeping and tax estimates with explicit assumptions and sources.
- [Bookkeeping cleanup cost benchmark](https://glacialbooks.com/resources/bookkeeping-cleanup-cost): Modeled cleanup cost by months behind and monthly transaction volume.
- [Sole proprietor versus S corporation tax benchmark](https://glacialbooks.com/resources/sole-proprietor-vs-s-corp-tax): Modeled 2026 federal tax across several business income levels.

## Source and use notes

Pricing and competitor claims include review dates and linked sources on the relevant page. GlacialBooks content is general information and is not accounting, tax, or legal advice. Use the canonical pages above for current product details.

## Legal and data governance

- [Terms of Service](https://glacialbooks.com/terms): Service scope, autonomous actions, provider terms, responsibilities, disclaimers, and liability allocation.
- [Privacy Policy](https://glacialbooks.com/privacy): Data collection, use, AI interaction, rights, disclosures, retention, and transfers.
- [Data Processing Addendum](https://glacialbooks.com/legal/dpa): Processor terms, security, subprocessors, incidents, deletion, audit, and transfer safeguards.
- [Subprocessor List](https://glacialbooks.com/legal/subprocessors): Current providers, purposes, data categories, and processing locations.
- [AI Transparency Notice](https://glacialbooks.com/legal/ai-transparency): Production automation methods, training boundaries, limitations, and risk controls.
- [Accounting Disclosure](https://glacialbooks.com/legal/accounting-disclosure): GAAP limits, professional service exclusions, and autonomous bookkeeping responsibilities.