Best Value LLC Formation Services in 2026 — True Cost Breakdown

The advertised formation fee is almost never the real cost. When you add registered agent fees, EIN filing, operating agreement templates, and annual compliance costs, the total picture looks very different. In 2026, here's what you actually pay with each major formation service.

Frequently Asked Questions

What is the total cost to form an LLC in 2026?

With Lovie: $240/year (subscription) + your state's filing fee (ranges from $50 in Kentucky to $300 in Texas). For Delaware, your total first-year cost is about $329. With traditional services, add registered agent ($119–$199/year), EIN ($50–$79), and operating agreement costs on top of formation fees.

Why do formation services charge different prices?

Most services advertise a low formation fee but add registered agent, EIN, operating agreement, and compliance tools as paid add-ons. Lovie includes everything in the $20/month subscription with no formation fee, making the true cost transparent and typically lower.

Is the $800 California franchise tax unavoidable?

The $800 minimum franchise tax applies to all LLCs doing business in California, regardless of where they're formed. If you operate in California, you owe it. Lovie alerts you to this requirement before you form so there are no surprises.

Can I avoid registered agent fees?

You can serve as your own registered agent (your address becomes public record), but a registered agent service protects your privacy. Lovie includes registered agent service in the $20/month subscription, so there's no separate fee.

Start your formation with Lovie — $20/month, everything included.