How Much Does Outsourced Bookkeeping Cost in 2026?
A complete breakdown of pricing models, typical cost ranges, and factors that affect what you'll pay. Make informed decisions about your bookkeeping budget.
"How much will this cost?" It's the first question every business owner asks when considering outsourced bookkeeping. The answer, frustratingly, is "it depends"—but this guide will help you understand exactly what it depends on.
Outsourced bookkeeping costs range from as little as $300/month for basic services to $15,000+/month for a full outsourced finance department. Where you fall on this spectrum depends on your transaction volume, complexity, and the level of service you need.
In this guide, we'll break down the different pricing models, show you typical cost ranges by service tier, and help you understand what factors will affect your specific price. By the end, you'll be able to budget accurately for outsourced bookkeeping and evaluate quotes from providers.
Pricing Models Explained
Outsourced bookkeeping providers use several pricing models. Understanding these helps you compare quotes and choose the right fit for your business.
Fixed Monthly Fee
A set monthly price for a defined scope of services. Most common model for ongoing bookkeeping relationships.
Hourly Rate
Pay for actual time spent. Common for project work, cleanup, or variable-scope engagements. Rates typically range from $25-$150/hour.
Per-Transaction Pricing
Charges based on number of transactions processed. Scales with your business volume.
Full-Time Equivalent (FTE)
Dedicated resource(s) priced as a fraction of full-time cost. Common for larger engagements needing consistent attention.
Our Approach at MZBPO
We primarily use fixed monthly pricing because it gives you cost certainty and aligns our interests—we're motivated to work efficiently. We re-evaluate pricing quarterly if your business changes significantly. Learn more about our bookkeeping and accounting services.
Typical Cost Ranges by Service Level
Here's what you can expect to pay at each service tier in 2026. These ranges are based on US market rates and typical small-to-medium business needs.
Basic Bookkeeping
Essential bookkeeping for small businesses with straightforward needs
Best for: Startups, freelancers, small businesses under $500K revenue
Full-Service Bookkeeping
Comprehensive bookkeeping with accounts payable/receivable management
Best for: Growing businesses $500K - $5M revenue
Bookkeeping + Controller
Full bookkeeping with financial oversight and strategic reporting
Best for: Established businesses $5M - $20M revenue
Full Finance Function
Complete outsourced accounting department with CFO-level support
Best for: Companies $20M+ or with complex needs
What Affects Your Cost
Understanding these factors helps you estimate where you'll fall within the price ranges and negotiate effectively with providers.
Transaction Volume
High ImpactMore transactions mean more work. A business processing 50 transactions monthly will pay less than one processing 500.
Business Complexity
High ImpactMultiple entities, locations, currencies, or revenue streams increase complexity and cost.
Reporting Requirements
Medium ImpactCustom reports, investor packages, or board presentations require additional time and expertise.
Accounting Method
Medium ImpactAccrual accounting requires more adjustments and reconciliations than cash-basis bookkeeping.
Software Integration
Medium ImpactUsing specialized industry software or needing multiple integrations can affect pricing.
Cleanup Required
One-time ImpactMessy historical books require cleanup before ongoing services can begin, adding one-time costs.
Calculating Your ROI
Outsourced bookkeeping isn't just a cost—it's an investment that should deliver returns. Here's how to evaluate the value you're getting.
Cost Comparison Example
In-House Bookkeeper
- Salary$50,000
- Benefits (20%)$10,000
- Payroll taxes$4,000
- Software$2,400
- Training$1,500
- Recruiting$5,000
- Total Annual Cost$72,900
Outsourced Bookkeeping
- Monthly fee$1,500 x 12
- Software (often included)$0
- No benefits$0
- No recruiting$0
- No turnover risk$0
- Total Annual Cost$18,000
Annual Savings: $54,900 (75%)
For a detailed comparison of in-house versus outsourced costs, see our complete guide: In-House vs Outsourced Accounting: Complete Cost Comparison.
Choosing the Right Provider
Price isn't everything. The cheapest option may cost you more in errors, delays, and frustration. Here's what to evaluate beyond the quote.
Experience and Credentials
Look for CPAs, certified bookkeepers, or firms with professional affiliations like BKR International.
Industry Knowledge
A provider familiar with your industry will work more efficiently and catch issues others might miss.
Technology Stack
Modern providers use cloud software, automation, and integrations to deliver better service.
Communication Style
Clear, proactive communication prevents misunderstandings and builds trust.
Scalability
Choose a provider that can grow with you—from bookkeeping to controller to CFO services.
References
Ask for references from businesses similar to yours in size and complexity.
Why Choose MZBPO?
As the outsourcing arm of a BKR International member firm, we bring global standards and professional credentials to every engagement. Our services scale from basic bookkeeping to full finance function, and we use a proven month-end close process that ensures accuracy and consistency.
Conclusion
Outsourced bookkeeping costs vary widely based on your needs, but most small-to-medium businesses can expect to pay between $300-$2,500/month for quality service—significantly less than hiring in-house.
Key Takeaways
- Basic bookkeeping runs $300-$800/month for simple businesses
- Full-service with AP/AR typically costs $800-$2,500/month
- Controller-level oversight adds $2,500-$6,000/month
- Transaction volume and complexity are the biggest cost drivers
- Watch for hidden costs like setup fees and software charges
- Don't just compare price—evaluate credentials, experience, and fit
About MZBPO
MZBPO is the outsourcing arm of Muniff Ziauddin and Co., an independent member of BKR International—the 5th largest global accounting association. We provide outsourced bookkeeping, internal audit, payroll, and finance services to growing businesses worldwide.
