Empower Your Business with Professional Bookkeeping

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

Founded by Janet Cram, Two Cents Accounting 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 Accounting 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.