Bookkeeping, payroll, and CFO services for San Diego's small businesses.

Call or Text: (619) 417-8735

How much does a bookkeeper cost for a small business?

Small business bookkeeping typically runs $200 to $600 per month for basic services. The wide range reflects differences in transaction volume, industry complexity, and what’s actually included in the monthly fee. A solo consultant with 30 transactions looks very different from a restaurant processing hundreds of transactions across multiple payment systems.

Transaction volume is the biggest factor in pricing. More bank accounts, credit cards, and payment processors mean more reconciliation work. A business running $50,000 through one checking account and one credit card takes less time than one running $300,000 through multiple accounts with PayPal, Stripe, and a POS system all feeding in.

Industry matters because some businesses need more than basic bookkeeping. Construction companies need job costing to know if they’re making money on each project. Restaurants deal with tip reporting, inventory, and food cost tracking. Professional services firms often need detailed project profitability analysis. A small business bookkeeper who understands your industry captures what matters instead of just recording transactions.

What’s included in monthly bookkeeping varies significantly between providers. Some bookkeepers only handle transaction entry and bank reconciliation. Others include monthly financial statements, chart of accounts review, and regular check-ins to discuss your numbers. Understanding what you’re getting matters as much as the price itself.

Additional services usually cost extra. Payroll setup and processing, accounts receivable follow-up, sales tax filing, and tax preparation are typically separate line items. A $300/month bookkeeping fee can become $500 or more once you add the extras you actually need. Ask what’s included before comparing prices.

The cheapest option often costs more in the long run. A bookkeeper who doesn’t understand your industry produces financial statements that are technically balanced but don’t tell you anything useful. You can’t make good decisions from reports that don’t track what matters for your specific business.

Some business owners try handling books themselves to save money. If you’re spending 8 to 10 hours a month on bookkeeping instead of serving clients or growing your business, you’re probably not saving anything. And if the DIY approach creates a mess, cleanup work often costs more than professional monthly service would have.

The real question isn’t just what bookkeeping costs. It’s whether you’re getting accurate financials that help you understand your business and clean records that make tax time straightforward instead of stressful.

San Diego's Small Business Bookkeeper

The Next Step:
A Short Conversation

A quick call to tell us about your business. We'll listen, answer your questions, and give you a clear price quote.

More Questions

What is the best POS system for restaurant accounting?

There's no single best POS for every restaurant, but the right choice integrates cleanly with your accounting software and provides clear daily sales data. Toast, Square for Restaurants, and Clover are popular options.

Read answer

What is Form 990 and when is it due?

Form 990 is the annual information return tax-exempt organizations file with the IRS. It's due on the 15th day of the 5th month after your fiscal year ends, which means May 15 for calendar year organizations.

Read answer

What is workers compensation insurance?

Workers compensation insurance covers employees who get injured or sick because of their job. It pays for medical expenses and a portion of lost wages while they recover.

Read answer

What is the difference between direct and indirect costs?

Direct costs can be traced to a specific job, product, or project. Indirect costs support the business overall but can't be assigned to one job. Understanding this distinction is essential for accurate pricing and knowing whether individual projects are actually profitable.

Read answer

How do I set up direct deposit for employees?

Start with a payroll platform that handles ACH transfers, then collect authorization forms and bank details from each employee. Run a test transaction to verify account information before the first real payday.

Read answer

What is three-way trust reconciliation?

Three-way trust reconciliation matches your bank statement balance against your general ledger balance and the sum of all individual client ledger balances. When all three match, you know client funds are properly accounted for.

Read answer

Fresh Ledger provides full-service bookkeeping for San Diego County's small businesses. We handle monthly financials, payroll setup, and part-time CFO services for local business owners who want their numbers done right.

Client Reviews

5-Star Rated Firm
  • Intuit ProAdvisor Platinum Tier badge
  • QuickBooks Online Certification Level 1 badge
  • QuickBooks Online Payroll Certification badge

© 2026 Fresh Ledger LLC