Understanding where a commercial service adds value requires knowing what you can handle on your own at no cost. According to guidance published by the Internal Revenue Service, you must form your entity with the state before applying for an Employer Identification Number (EIN). Obtaining an EIN directly from the IRS costs $0 (free), so you should never pay a third party for an EIN. Additionally, under federal rules effective August 14, 2026, entities created in the United States are exempt from federal Beneficial Ownership Information (BOI) reporting with the Financial Crimes Enforcement Network. New York's Transparency Act similarly applies only to LLCs formed under the law of a foreign country.

Choosing between self filing and using a service depends on your comfort with official forms, state deadlines, and privacy preferences. A commercial provider like ZenBusiness offers structured filing assistance, charging $0 plus state fees for its Starter package, $199 per year for Pro, and $299 per year for Premium as of 2026. Registered agent coverage is a separate $199 per year service across every tier, including Premium, discounted to $99 for the first year when you form through them.

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To determine the best path for your business, evaluate your specific operational needs and administrative willingness:

  • What Are the Pros and Cons of DIY LLC Formation Versus Hiring a Company?
  • If You Use a Formation Service Instead of Doing it Yourself, What Parts of the Process Get Handled for You?
  • Beyond the State Filing Itself, What Does ZenBusiness Handle That DIY Leaves to You?

State Filing Guides

State rules, online filing portals, annual tax requirements, and deadlines vary depending on where your company is registered. Select your state below to see detailed comparisons for your jurisdiction:

  • California: What Does a California LLC Service Handle That You'd Do Yourself on bizfile, Like Franchise Tax Reminders?
  • Georgia: What Does a Georgia LLC Service Do That You'd Have to Handle Yourself with the Secretary of State?
  • Michigan: What's the Difference Between Filing a Michigan LLC Yourself and Using a Service?
  • Texas: What Does a Texas LLC Service Do Beyond Just Submitting the Certificate of Formation Yourself?

How This Site Operates

This website provides clear, neutral analysis to help you make an informed decision. This site describes what filings require, but it is not legal or financial advice about your circumstances, and nothing here creates a professional relationship.

We do not publish star ratings, numerical scores, or tier boards. Where one route suits a specific case, that argument is made in plain words. Some links on this site earn a commission, but affiliate relationships never decide which route a page recommends.

Sources

This document provides general information rather than legal advice, and filing requirements vary by state and change over time.