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Two Cents Accounting LLC

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.

What We Do

End-to-end bookkeeping support, from QuickBooks setup to cleanups and reviews - so your numbers stay clear, accurate, and useful. Serving clients nationwide.

A Two Cents Accounting professional preparing financial reports

Bring Clarity to Your Numbers

Clear financial reports and insights that help business owners understand their numbers and make confident decisions.

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

Build Systems That Work for You

Customized QuickBooks setup and workflows designed to match how your business runs- simple, efficient, and sustainable.

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

Keep Your Books Compliant and Organized

Accurate bookkeeping, reconciliations and payroll support that keeps your business organized, compliant and stress-free.

Custom financial reports being reviewed at Two Cents Accounting

Act as a Thoughtful Financial Partner

Ongoing bookkeeping and advisory support focused on guidance, clarity, and smart decisions as your business grows.

Products & Services

QuickBooks Online Setup product image

QuickBooks Online Setup

A clean, confident start in QuickBooks. We set up your chart of accounts, connect bank feeds, adjust settings, and get your books ready for real use. Includes 1 hour QBO Training.

Starting at$400
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Monthly Payroll product image

Monthly Payroll

Reliable payroll setup and coordination to keep your team paid and your filings accurate. Simple, compliant, and handled for you - without full bookkeeping.

Starting at$150/ month
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Monthly Bookkeeping product image

Monthly Bookkeeping

Monthly bookkeeping that keeps your numbers clear, your stress low, and your business steady. Every plan is customized - schedule a consult to find the right fit. Essential, Standard or Premier tiers

Starting at$375/ month
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One on One QuickBooks Training (1hr) product image

One on One QuickBooks Training (1hr)

Hands-on training that teaches you how to use QuickBooks with confidence. Practical, clear, and tailored to your business so you understand your numbers. Training is recorded for you to reference.

Starting at$150
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Books Review product image

Books Review

A focused review of your books to spot issues, strengthen accuracy, and give you clear next steps. Perfect when you want expert eyes without a full cleanup.

Starting at$495
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More Than Numbers

At Two Cents Accounting, connection matters just as much as clean books. It's important to be able to share updates, resources, and behind-the-scenes moments beyond the day-to-day work.

You can find us on social media and in your inbox, sharing practical bookkeeping tips, small business insights, community updates, and the occasional office cat cameo. Join the Ledger Lounge community on Facebook to stay in the loop.

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

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