A working library of accounting, taxation and insurance guidance written for Trinidad and Tobago — free to read, grounded in local law and practice, and backed by a Chartered Accountant when you need more than an article.
Plain-English explanations of the rules that actually affect businesses and households in Trinidad and Tobago — thresholds, rates, deadlines and the decisions behind them.
The structure you choose on day one follows you for years — through your tax bill, your liability and your ability to borrow. Here is how the two options actually compare in T&T.
Read the guideA shoebox of receipts is not a record. Here is the practical minimum every T&T business should keep, how to organise it, and why six years is the number to remember.
Your accountant hands you a set of accounts once a year. Most owners glance at the profit figure and file it. There are four numbers in there that tell you whether the business will survive.
Crossing the VAT threshold is not a milestone to celebrate quietly — it starts a 21-day clock and permanently changes how you invoice, price and file.
Most owners know the corporation tax rate. Far fewer realise there are two further levies charged on gross income — one of which is payable even in a loss-making year.
Three separate deductions, three separate rule sets, one 15th-of-the-month deadline — and a National Insurance contribution rate that rose in January 2026 with a further increase already scheduled.
The personal allowance is automatic. Almost everything else has to be claimed — and every year thousands of taxpayers leave legitimate deductions on the table simply because nobody told them.
Every guide on this site ends where professional help begins. These are the services behind the writing.
Monthly books kept properly, reconciled and ready — so you always know where the business stands and never scramble at year end.
Year-end financial statements prepared to standard, suitable for the bank, the Registrar, investors and the Inland Revenue Division.
VAT, corporation tax, business levy, green fund levy and personal returns — computed, filed and paid on time.
PAYE, NIS and health surcharge calculated correctly every pay run, remitted on time, with the annual returns handled for you.
From choosing a structure to your BIR and VAT numbers — the full set-up, done once and done right.
Independent guidance on the cover you actually need — motor, property, liability, health and life — without the jargon.
Whether it's a VAT threshold you're approaching, a payroll you're unsure about, a set of accounts that needs preparing, or insurance cover you've never had reviewed — start with a conversation.
