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Two Cents Accounting LLC

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

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.

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.

Products & Services

QuickBooks Online Setup product image

QuickBooks Online Setup

Professional QuickBooks Online setup for small businesses. Includes chart of accounts, bank feeds, settings, and 1 hour of hands-on QBO training. Start organized, start confident.

Starting at$400
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Ledger Lounge - Quick Question product image

Ledger Lounge - Quick Question

Got a quick bookkeeping question? Book a virtual 15-minute Q&A with Janet. It's perfect for categorizing, QBO workflow, reports, or a simple "what do I do next?" moment.

Starting at$25
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Payroll Setup & Processing product image

Payroll Setup & Processing

Small business payroll setup and processing through ADP - accurate, compliant, and completely handled for you. Keep your team paid and your filings on time, every time.

Starting at$150/ month
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Catch Up Bookkeeping product image

Catch Up Bookkeeping

Catch-up bookkeeping is included in every new monthly engagement. It is priced per month of back bookkeeping needed to get your records current before your monthly services begin.

Starting at$425
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Consultation product image

Consultation

Not sure where to start? Book a free 30-minute discovery call with Janet. There's no pressure, no jargon, just an honest conversation about your business and how we can help.

Starting at$0
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Monthly Bookkeeping product image

Monthly Bookkeeping

Relationship-based monthly bookkeeping for small businesses -includes reconciliations, financial reports, and QBO support. Three tiers: Essential, Growth, and Strategic. Let's find your fit.

Starting at$425/ month
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One on One QuickBooks Training (1hr) product image

One on One QuickBooks Training (1hr)

One-on-one QuickBooks Online training for small business owners that is practical, recorded, and tailored to your business. Learn to manage your own books with clarity and confidence.

Starting at$150
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Books Review product image

Books Review

A professional QuickBooks Online books review for small business owners to spot errors, strengthen accuracy, and get clear next steps. Expert eyes on your financials, no long-term commitment required.

Starting at$500
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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

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

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

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