How much does a bookkeeper cost for a small business?
Small business bookkeeping usually runs $200 to $600 per month for basic services. A landscaper with straightforward deposits and expenses pays less than a contractor tracking job costs or a trucking company managing fuel taxes and per-truck profitability. The difference comes down to how many transactions you have and how complex your accounting needs to be.
Transaction volume is the biggest pricing factor. A business with 50 monthly transactions takes less time to reconcile than one with 500. More bank accounts, credit cards, or payment processors mean more reconciliation work. If you’re running sales through multiple channels or have several business locations, that adds time and increases the cost.
Industry affects pricing because some businesses need specialized tracking. Trucking companies need IFTA reporting and cost-per-mile analysis. Contractors need job costing to know which projects actually made money. Restaurants deal with inventory, tips, and food cost percentages. Generic bookkeeping costs less but won’t give you the numbers that matter for your specific business.
What’s included in the monthly fee varies by provider. Some cover only transaction entry and reconciliation. Others include financial statements, bill pay management, and basic reporting. Monthly bookkeeping often excludes payroll, which typically adds $99 or more depending on how many employees you have and how often you run payroll. Tax preparation is almost always separate.
The cheapest option rarely delivers the best value. A bookkeeper charging $250 monthly who doesn’t understand your industry will produce technically accurate books that don’t help you make decisions. If you can’t look at your financials and understand how your business is actually performing, the books aren’t serving their purpose.
Some business owners try handling bookkeeping themselves to save money. They end up spending 8 to 10 hours monthly on it and still make mistakes that cause headaches at tax time. If you bill $75 an hour for your actual work, that DIY approach costs more than hiring a bookkeeper near Gentry who can do it in a fraction of the time. And when the books end up wrong, cleanup costs often exceed what professional service would have cost in the first place.
The real question isn’t just what bookkeeping costs. It’s whether you’re getting accurate numbers you can use to run your business and clean records that make tax time straightforward instead of stressful.
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