# Square Books

> Fractional CFO services and professional bookkeeping helping contractors and growing businesses keep more of what they make.

Square Books provides bookkeeping, financial reporting, and fractional CFO advisory to owner-operated businesses — with a specialty in HVAC and skilled trades. The site includes educational articles and free financial calculators for job costing, break-even analysis, gross margin, debt capacity, overhead recovery, and slow-season cash planning.

## Pages

- [Home](/): Overview of Square Books' bookkeeping and fractional CFO services.
- [Services](/services): Bookkeeping and advisory service tiers and pricing.
- [About](/about): Company background, mission, and leadership.
- [Team](/team): Meet the Square Books team.
- [Contact](/contact): Get in touch and schedule a free financial assessment.
- [Reviews](/reviews): Client testimonials and Google reviews.
- [Meet Joseph Shawver](/author/joseph-shawver): Founder profile, credentials, and published work.

## Blog

- [Blog Index](/blog): Articles on bookkeeping, cash flow, job costing, and running a profitable trades business.

## Free Financial Tools

- [HVAC Break-Even Calculator](/hvac-break-even-calculator): Find the revenue you need to cover all fixed costs.
- [HVAC Gross Margin Calculator](/hvac-gross-margin-calculator): Measure gross margin on service and install work.
- [HVAC Job Costing Calculator](/hvac-job-costing-calculator): True cost of a job including labor burden.
- [HVAC Overhead Job Costing Calculator](/hvac-overhead-job-costing-calculator): Allocate overhead into per-job pricing.
- [HVAC Slow Season Cash Planner](/hvac-slow-season-cash-planner): Estimate cash reserves needed for the off-season.
- [Debt Service Capacity Calculator](/debt-service-capacity-calculator): See how much additional debt your cash flow can safely support.

## Optional

- [Privacy Policy](/privacy-policy)
- [Terms of Service](/terms-of-service)