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 brings the warmth of a trusted advisor and the brain of a systems thinker. With a background in accounting and a love for workflow optimization, she turns 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

Two Cents Accounting is more than bookkeeping.

Get clean books, smart systems, and a trusted partner who helps your business grow with clarity and confidence.

A Two Cents Accounting professional preparing financial reports

Comprehensive Bookkeeping

Stay organized - we do bookkeeping with ongoing categorization, payroll, sales tax, reports and monthly reconciliations.

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

QuickBooks Online Setup & Training

Start fresh with expert setup (chart of accounts, bank feeds) and learn how to use QuickBooks Online with confidence.

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

Catch-Up Bookkeeping

Behind on your books? We’ll clean up QuickBooks fast and get you on track with reconciliations, reports, and support.

Custom financial reports being reviewed at Two Cents Accounting

Financial Reports & 1099 Prep

Custom financial reports and 1099 tracking included with monthly bookkeeping services - That'll keep your CPA happy!

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.

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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

Two Cents Accounting LLC