CTA Filing Calculator
Estimate your BOI filing cost and deadline under the Corporate Transparency Act.
CTA BOI Filing Cost Comparison
Estimated costs by filing method and complexity
| Method | Simple Entity | Moderate | Complex | Time Required | Best For |
|---|---|---|---|---|---|
| DIY (FinCEN direct) | $0 | $0 | $0 | 15–60 min | Simple 1-2 owners |
| Online Filing Service | $49–99 | $99–199 | $199–399 | 20–30 min | Multiple entities |
| CPA / Bookkeeper | $100–250 | $200–500 | $500–1,000 | 1–5 days | Existing client |
| Attorney | $200–500 | $500–1,500 | $1,500–5,000 | 1–2 weeks | Complex structures |
| Registered Agent Service | $75–150 | $150–300 | $300–600 | 1–3 days | Bundle with RA |
How We Calculate This
This cta filing calculator uses established formulas and industry-standard data to provide accurate estimates.
- Enter your specific values into the calculator fields above
- Our algorithm applies the relevant formulas using your inputs
- Results are calculated instantly in your browser — nothing is sent to a server
- Review the detailed breakdown to understand how each factor affects your result
These calculations are estimates based on standard formulas. For critical decisions, always consult a qualified professional.
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The Corporate Transparency Act (CTA) requires most US business entities to file Beneficial Ownership Information (BOI) reports with FinCEN. This calculator estimates your filing cost, deadline, and complexity based on your entity details.
The basic rule:
- BOI reports are filed directly with FinCEN at no government fee — costs come from professional preparation
- Entities formed before 2024 had until January 1, 2025 (deadline subject to legal challenges and extensions)
- Entities formed in 2024 must file within 90 days of formation; 2025+ entities within 30 days
- Penalties for willful non-compliance: up to $500/day (max $10,000) and potential criminal penalties up to 2 years imprisonment
The CTA has faced legal challenges, and enforcement timelines have shifted. Check FinCEN's website for the most current deadlines and requirements. For simple entities with 1-2 individual owners, DIY filing is straightforward. For complex ownership structures, professional help is worth the cost to avoid errors.
When Would You Use This Calculator?
This cta filing calculator is designed for anyone who needs quick, reliable estimates without complex spreadsheets or professional consultations.
- When you need a quick estimate before committing to a purchase or project
- When comparing different options or scenarios side by side
- When planning a budget and need to understand potential costs
- When you want to verify a quote or estimate you've received from a professional
- When teaching or learning about the concepts behind these calculations
Frequently Asked Questions
Who has to file a BOI report?
Most LLCs, corporations, and similar entities registered with a state must file. There are 23 exemptions, mainly for large companies (500+ employees and $5M+ revenue), regulated entities (banks, insurance companies, SEC-registered firms), and inactive entities. Single-member LLCs, small businesses, and most partnerships must file. Sole proprietorships without an LLC do not need to file.
What information is required in the BOI report?
For each beneficial owner (anyone with 25%+ ownership or substantial control): full legal name, date of birth, residential address, and an ID document number (driver's license or passport) with an image of the document. For the company: legal name, trade names, address, state of formation, and EIN/TIN.
Can I file the BOI report myself?
Yes. FinCEN's online filing system (boiefiling.fincen.gov) is free and relatively straightforward for simple entities. For a single-member LLC with one owner, filing takes about 15-30 minutes. Complex structures with trusts, foreign owners, or nested entities benefit from professional guidance to ensure accuracy.
What are the penalties for not filing?
Willful failure to file can result in civil penalties of up to $500 per day (capped at $10,000) and criminal penalties including up to 2 years imprisonment and $10,000 fine. However, enforcement has been gradual and the CTA has faced court challenges. Filing late is much better than not filing at all — FinCEN has indicated a focus on willful non-compliance rather than inadvertent delays.