Your Books, Simplified. Your Business, Empowered.

You built something real. Your books should reflect that. Two Cents Accounting brings expert bookkeeping, clean systems, and a trusted partner to help you understand your numbers and grow with confidence.

A detailed view of financial management being conducted by Two Cents Accounting

What We Do

Bookkeeping, systems, payroll, and advisory support: all relationship-based, all built around your business. Serving small business owners nationwide.

A Two Cents Accounting professional preparing financial reports

Bring Clarity to Your Numbers

QuickBooks Online financial reports for small business owners that are clear, current, and actually useful.

A financial expert from Two Cents Accounting using QuickBooks Online on a computer

Build Systems That Work for You

Custom QuickBooks Online setup for service-based businesses: simple, efficient, and built for how you work.

A consultation session at Two Cents Accounting with a small business owner

Keep Your Books Compliant and Organized

Small business bookkeeping, reconciliations, and payroll processing thats accurate, organized, and stress-free.

Custom financial reports being reviewed at Two Cents Accounting

Act as a Thoughtful Financial Partner

Financial advisory and bookkeeping for small business owners ready to stop guessing and lead with confidence.

Our Products

Consultation

Not sure where to start? Book a free 30-minute discovery call with Janet. There's no pressure, no... Read more

From $0

Monthly Bookkeeping

Running a business is a lot. Your books shouldn't add to the overwhelm - they should give you a... Read more

From $495

Small Business QuickBooks Setup Service

Start with a clean, organized QuickBooks Online account built for your business, including account... Read more

From $400

Comprehensive Books Review

Not sure if your books are in good shape, or just hoping they are? This service gives you a... Read more

From $900

View All Products

More Than Numbers

Behind every small business is a real person working hard to build something meaningful. We started Two Cents Accounting because we believe that person deserves more than someone who just keeps the books.

Our practice is grounded in respect, integrity, inclusion, and genuine support...not just for your finances, but for you. Every client is a real person with a real business, and that's exactly how we treat them.

If you'd like to talk more, give us a call!
📞 507-200-2167

Book a Discovery Call

The Two Cents Accounting team discussing strategies to enhance client financial management

About

At Two Cents Accounting, we believe every business owner deserves to understand their numbers, not just have someone else manage them. Founded by Janet Cram, we're a relationship-first bookkeeping practice built on trust, respect, and a genuine desire to see you succeed.

We specialize in QuickBooks Online bookkeeping, payroll, and financial reporting for service-based businesses, creatives, and entrepreneurs who are building something real. Whether you're just starting out or scaling fast, we meet you where you are, with zero judgment and zero jargon.

Here's what makes us different: we don't just do your books. We help you understand them, improve your systems, and make confident decisions with real clarity. We ask the right questions, personalize everything to your business, and stick around as a partner - not just a vendor.

We believe the working relationship matters as much as the work itself. Respect, integrity, inclusion, and support aren't just words here. They shape every client relationship and how we show up for you every single day.

If you're looking for a bookkeeper who genuinely cares about your business and the person running it, you've found your people.

Contact Us

Testimonials - What Our Clients Are Saying

We’re proud to support incredible small business owners. Here’s what a few have shared about working with us:

I’m so grateful for Janet at Two Cents Accounting! Janet was easy to work with, supportive, and I never once felt judged—just encouraged. If you’re looking for someone who makes bookkeeping feel less overwhelming, I highly recommend her!

Cara M

I have been working with Janet for at least 10 years. She is a trusted associate in my current ventures and has been very helpful in helping me keep my books ready for my tax accountant. I appreciate the honest answers snd advice.

Sara T

Started working with Janet about 5 years ago. She was brought in to assist with monthly bookkeeping/accounting. She cleaned up and restructured everything. She made things make sense. If you need some help, she's the one to talk to.

John F