Taxes for Massage Therapists: How to Prepare and Decide Between DIY or a CPA

Taxes are one of the least talked about parts of starting your own massage practice, yet they’re one of the most important to understand early on. Many massage therapists go into self-employment focused on clients, space, and pricing, only to feel overwhelmed when tax season arrives. The good news is that taxes don’t have to be complicated if you approach them with a bit of preparation and the right level of support.

The first step to being prepared for taxes is understanding that, as a self-employed massage therapist, you are responsible for setting aside money throughout the year. Unlike employee jobs where taxes are withheld automatically, your income comes to you before taxes. This means planning ahead is essential. A common starting point is setting aside a percentage of each payment you receive into a separate savings account designated for taxes. While the exact percentage can vary, the habit of consistently saving is more important than being perfect at the beginning.

Tracking your income and expenses is another foundational piece of tax preparation. Keeping records doesn’t have to be complicated, but it does need to be consistent. This includes documenting payments from clients, tips if applicable, and all business-related expenses such as rent, supplies, software, continuing education, and mileage. Organized records not only make tax filing easier, they also give you a clearer picture of how your practice is actually performing financially.

Many massage therapists wonder whether they should do their taxes themselves or hire a CPA. Doing your own taxes can be a reasonable option if your business is relatively simple, especially in the early stages. Basic self-employment tax software can walk you through the process, and handling it yourself can help you learn how your business finances work. However, this approach does require time, attention to detail, and a willingness to learn.

Hiring a CPA can be a valuable investment, particularly as your income grows or your business becomes more complex. A good CPA can help you understand deductions you may not be aware of, ensure you’re filing correctly, and offer guidance on quarterly payments and long-term planning. For many practitioners, the peace of mind alone is worth the cost. Working with a CPA doesn’t mean you’re giving up control; it often means you’re building a support system that allows you to focus more on your work.

There’s no single “right” choice when it comes to DIY taxes versus hiring a professional. The best option is the one that supports your nervous system and your capacity. If doing your own taxes creates constant stress or avoidance, it may not be the aligned choice, even if it seems cheaper. On the other hand, if your finances are straightforward and you feel comfortable learning the basics, handling them yourself can be empowering.

Ultimately, taxes are part of running a sustainable massage practice. Preparing ahead of time, staying organized, and choosing the level of support that feels right can turn taxes from a source of anxiety into just another manageable part of your business. When your financial systems are clear, your energy is freed up to focus on what you do best: caring for others while building a practice that supports you.