What a bookkeeper does
A bookkeeper records and organizes your business’s financial transactions: categorizing income and expenses, reconciling bank and credit card accounts, and keeping your books clean enough that a report actually means something. The deliverable is a set of accurate, up-to-date books — usually a monthly close with a profit and loss statement and balance sheet you can trust.
People confuse bookkeepers with accountants constantly. The short version: bookkeepers record what happened; accountants interpret it, advise on it, and (if credentialed) file taxes on it. The longer version lives in our bookkeeper vs accountant comparison.
What it costs
Independent bookkeepers typically charge $95–$500 per month, with most small businesses landing in the $150–$350 range. Three things move the price:
- Transaction volume — a consultant with 30 transactions a month is a different job than a retail shop with 800.
- State of the books — catch-up and cleanup work costs extra, and almost everyone needs some at the start.
- Scope — basic categorization sits at the bottom; add reconciliation of multiple accounts, invoicing, or payroll coordination and you climb the range.
See the full breakdown in our bookkeeping cost guide.
How to evaluate one
Ask to see a sample monthly package — a real (anonymized) close with reports. A professional bookkeeper works to a monthly rhythm: transactions categorized weekly or biweekly, accounts reconciled after each statement, books closed by a predictable date. An amateur categorizes everything in a panic each quarter and calls it done.
Certifications exist — QuickBooks ProAdvisor, or Certified Bookkeeper through AIPB — but bookkeeping isn’t a licensed profession, so no state is checking anyone’s work. That makes references and process your real vetting tools. Ask how they handle a transaction they can’t identify: the right answer involves asking you, not guessing.
One structural rule: your books should live in an account you own, with the bookkeeper added as an accountant user. If leaving them means losing your data, don’t start.
When you don’t need one
If you have fewer than a couple dozen transactions a month and you’ll actually sit down with the software regularly, DIY is defensible — we lay out the tipping point in DIY bookkeeping vs hiring a bookkeeper. The honest test isn’t transaction count, it’s behavior. If your books are currently four months behind, you already have your answer.
Hire one when the hours you spend on books would earn more spent on clients, or when you’re making decisions — hiring, pricing, taking on debt — off numbers you don’t fully trust.
Questions to ask before you hire
- How often will you reconcile my accounts, and what do I receive each month?
- Which accounting software do you work in, and who owns the file — you or me?
- How do you handle transactions you can't categorize on your own?
- What's your turnaround for closing the books after month-end?
- Have you worked with businesses like mine — same size, same revenue model?
Red flags
- They can't explain the difference between their work and an accountant's — a good bookkeeper knows exactly where their lane ends.
- Your books live in their software account and you'd lose access if you left.
- Months go by without a reconciliation or any report landing in your inbox.
- They offer to also file your taxes without holding any tax credential.