Accounting Guide

Prepaid Expense Accounting Guide for SMBs

Use this guide to identify prepaid expenses, apply thresholds, create amortization schedules, and review monthly prepaid journal entries.

1. Identify Potential Prepaid Expenses

  • ☐ Review expense transactions above your prepaid threshold.
  • ☐ Look for annual software, insurance, rent, subscriptions, and service contracts.
  • ☐ Confirm the benefit period extends beyond the current month.
  • ☐ Separate true prepaids from normal monthly expenses.

2. Apply Accounting Policy Thresholds

  • ☐ Define a dollar threshold, such as $2,500 or another company-approved amount.
  • ☐ Review transactions above the threshold for capitalization or prepaid treatment.
  • ☐ Document the policy used for consistent review.
  • ☐ Route unclear items to controller or fractional CFO review.

3. Build the Prepaid Schedule

  • ☐ Record vendor, invoice date, amount, start date, end date, and amortization period.
  • ☐ Calculate monthly amortization amount.
  • ☐ Track beginning balance, monthly expense, additions, and ending balance.
  • ☐ Tie the schedule back to the prepaid asset GL account.

4. Record Monthly Journal Entries

  • ☐ Record monthly amortization expense.
  • ☐ Reduce the prepaid asset balance.
  • ☐ Review entries for completeness and correct period.
  • ☐ Save support for audit and review.

5. Review Prepaid Balances

  • ☐ Compare prepaid schedule ending balance to the general ledger.
  • ☐ Investigate stale or fully amortized balances.
  • ☐ Review new additions for correct classification.
  • ☐ Remove expired items from the schedule.

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