Home inspector bookkeeping: report-software payouts against E&O insurance, gear, dues and licence
A home inspector is paid through the inspection software or by the client; the costs are the software subscription, errors-and-omissions insurance, gear such as a thermal camera, association dues, the state licence and fuel. The bank statement holds both.
Worked example: one October
The tool ships a synthetic statement for a solo inspector (fixtures/inspector-checking.csv): three deposits and seven outgoing lines. Every line gets a suggested account with no rules taught; check each one.
| October 2026 | Amount |
|---|---|
| Inspection payouts | $6,085.50 |
| Money in | $6,085.50 |
| Report software | −$119.00 |
| InterNACHI dues | −$499.00 |
| E&O insurance | −$312.00 |
| Thermal camera (equipment) | −$1,299.00 |
| State licence renewal | −$250.00 |
| Fuel | −$68.40 |
| Costs | −$2,547.40 |
| Profit before draw | $3,538.10 |
The $1,200.00 Zelle to the owner is suggested as an owner draw (equity), not a cost. Whether the camera is expensed or depreciated, mileage versus actual vehicle costs, and self-employment tax are separate questions: ask an accountant.
Questions
Where does a thermal camera go?
It is suggested as equipment. Whether to expense or depreciate it is a tax decision for you and your accountant.
Is a transfer to myself a cost?
No. A transfer to the owner is suggested as an owner draw (equity), so it does not reduce profit.
Open AI Bookkeeper and import your bank statement. Rules are written from company names; no real inspector's statement has been tried.