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Two Cents Accounting LLC

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Empower Your Business with Professional Bookkeeping

At Two Cents Accounting LLC, we specialize in comprehensive bookkeeping services tailored to meet the unique needs of small businesses. Let us handle your finances, so you can focus on growing your business.

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 is built on the idea that small business owners deserve more than just number-crunching. You deserve clarity, confidence, and a partner who actually gets the ups and downs of running a business. Whether you’re flying solo or growing a small team, Janet brings both the warmth of a trusted advisor and the savvy of a systems thinker to every interaction.

With a background in accounting and a brain that genuinely lights up at the words “workflow optimization,” Janet specializes in taking chaotic books and turning them into streamlined, easy-to-understand systems—no jargon, no judgment. Her sweet spot is working with service-based and direct-to-consumer businesses making between $75K and $250K annually who want to make smart, sustainable decisions using real-time financial data.

Based in the Midwest, the Two Cents team is small but mighty. While Janet leads client relationships and strategy, she’s supported by a Bookkeeper who’s already making an impact behind the scenes.

If you’re looking for a bookkeeping partner who’s equal parts detail-obsessed and relationship-driven, you’ve just found your people.
We understand the challenges faced by small business owners. By providing personalized services that cater to your specific requirements, we offer timely insights and strategic advice to foster business growth and enhance financial health. Our commitment to professionalism and cost-effective solutions empowers our clients to achieve financial independence and succeed in their entrepreneurial endeavors.

Our Services

We don’t just keep your books - we build systems that support your growth and give you peace of mind.

Running a business is hard enough - your books shouldn't be!

A Two Cents Accounting professional preparing financial reports

Comprehensive Bookkeeping

Ongoing monthly support for your business finances, including transaction categorization, reconciliations, monthly reports, and check-ins to help you make confident decisions. We don’t just track your numbers - we help you understand them.

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

QuickBooks Online Setup & Support

Whether you're starting fresh or need a cleanup, we’ll get your QuickBooks Online account dialed in—from chart of accounts to bank feeds. We also offer personalized training, so you feel confident using your books every day.

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

Workflow Consulting & Tech Stack Integration

Need help streamlining your back office? We offer custom solutions using QuickBooks Online, ADP Payroll, Bill.com, and a secure client portal—so you can spend less time in spreadsheets and more time running your business.

Custom financial reports being reviewed at Two Cents Accounting

Custom Financial Reports

Get the reports you actually need - cash flow snapshots, profitability tracking, and 1099 prep included with monthly service. No tax return filing here, but we’ll make sure you’re organized and ready for your CPA come tax season.

More Than Numbers

At Two Cents Accounting, our mission is to bring clarity, confidence, and calm to small business owners through modern bookkeeping systems and meaningful relationships. We combine tech tools with human connection to help you feel informed - not overwhelmed - so you can focus on growing a business you love.

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

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