Clarity, Confidence and Calm for Your Business Finances

Get expert bookkeeping services, QuickBooks Online setup, and custom financial reports - plus a partner who truly cares. Two Cents Accounting helps small business owners feel confident, organized, and ready to grow.

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

About

At Two Cents Accounting, we believe your books should empower you, not overwhelm you.

Founded by Janet Cram, Two Cents Accounting supports small business owners who want to feel confident, clear, and in control of their finances. We specialize in QuickBooks Online bookkeeping, payroll setup, and financial reporting for service-based and direct-to-consumer businesses.

Janet and the Two Cents team bring the warmth of a trusted advisor and the brain of a systems thinker. With a background in accounting and a love for workflow optimization, we turn messy books into streamlined systems you can actually use and understand.

We don’t believe in one-size-fits-all. Every client relationship is built on trust, curiosity, and conversation. Our greatest strengths are asking the right questions, personalizing systems, and helping you make decisions with real clarity.

Whether you're just getting started or outgrowing your current setup, we meet you where you are - with zero jargon or judgment. If you're looking for a bookkeeping partner who values connection, clarity, and calm - you’ve just found your people.

Our Services

Small business bookkeeping made simple. QuickBooks setup, cleanup, catchup, monthly accounting, payroll, and advisory services - nationwide support.

A Two Cents Accounting professional preparing financial reports

Comprehensive Bookkeeping

Choose your fit: Basic, Standard, or Premium bookkeeping - payroll, AP/AR, sales tax with reconciliations every month.

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

QuickBooks Online Setup & Training

We’ll set up your QuickBooks, walk you through your Chart of Accounts, and leave you feeling confident, not confused.

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

Catch-Up & Clean Up Projects

Haven’t touched your books all year?

We’ve seen worse. Let’s clean it up before tax time sneaks up.

Custom financial reports being reviewed at Two Cents Accounting

Review & Advisory Services

Need a second set of eyes?

We’ll review your books, answer your questions, and make the numbers make sense.

More Than Numbers

At Two Cents Accounting, we bring clarity, confidence, and calm to small business owners. By combining expert bookkeeping with smart systems and real relationships, we help you feel informed - not overwhelmed - so you can focus on building a business you love.

Like our vibe?

Join the Two Cents community for simple tips, small business insights, and the occasional cat-in-the-office cameo.

Proud to be part of the Little Blue Cart directory!

Give us a call: 507-200-2167

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

Two Cents Accounting LLC