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.
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.
Small business bookkeeping made simple. QuickBooks setup, cleanup, catchup, monthly accounting, payroll, and advisory services - nationwide support.
Choose your fit: Basic, Standard, or Premium bookkeeping - payroll, AP/AR, sales tax with reconciliations every month.
We’ll set up your QuickBooks, walk you through your Chart of Accounts, and leave you feeling confident, not confused.
Haven’t touched your books all year?
We’ve seen worse. Let’s clean it up before tax time sneaks up.
Need a second set of eyes?
We’ll review your books, answer your questions, and make the numbers make sense.
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!
We’re proud to support incredible small business owners. Here’s what a few have shared about working with us:
Cara M
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!
Sara T
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.
John F
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.