Best Online Bookkeeping Services of 2024

The best bookkeeping services handle your tasks without breaking your business’s budget. Look for dedicated access with a live bookkeeper, and consider add-ons like tax planning, payroll and HR support.
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Our pick for simple accounting software
Xero
Our pick for simple accounting software

Xero

Xero

on Xero's website

Best Online Bookkeeping Services

Product Best for NerdWallet rating Starting at Promotion Learn more
QuickBooks

QuickBooks Live

on QuickBooks Live's secure website

QuickBooks users

$300/month

Plus first-month cleanup fee. Price increases as average monthly expenses increase.

N/A

on QuickBooks Live's secure website

Bookkeeper360

Bookkeeper360

Overall bookkeeping service

$49/month

Additional pricing tiers (per month): $399, $1,149.

N/A

Merritt Bookkeeping

Merritt Bookkeeping

Businesses on a budget

$190/month

N/A

Pilot

Pilot

Fast-growing startups

$699/month (billed annually)

Plus onboarding fee equal to one month of bookkeeping. Custom pricing also available.

First-year $200 monthly discount

for pre-revenue companies.

Bench

Bench

New businesses

$299/month

Additional pricing tiers (per month): $499.

One-month bookkeeping demo.

1-800Accountant

1-800Accountant

Tax support

$399/month (billed annually)

N/A

Decimal

Decimal

Project-based businesses

N/A

N/A

inDinero

inDinero

Midsize businesses

$750/month

Additional pricing tiers (per month): $1,250, custom.

N/A

Product Best for NerdWallet rating Starting at Promotion Learn more
QuickBooks

QuickBooks Live

on QuickBooks Live's secure website

QuickBooks users

$300/month

Plus first-month cleanup fee. Price increases as average monthly expenses increase.

N/A

on QuickBooks Live's secure website

Bookkeeper360

Bookkeeper360

Overall bookkeeping service

$49/month

Additional pricing tiers (per month): $399, $1,149.

N/A

Merritt Bookkeeping

Merritt Bookkeeping

Businesses on a budget

$190/month

N/A

Pilot

Pilot

Fast-growing startups

$699/month (billed annually)

Plus onboarding fee equal to one month of bookkeeping. Custom pricing also available.

First-year $200 monthly discount

for pre-revenue companies.

Bench

Bench

New businesses

$299/month

Additional pricing tiers (per month): $499.

One-month bookkeeping demo.

1-800Accountant

1-800Accountant

Tax support

$399/month (billed annually)

N/A

Decimal

Decimal

Project-based businesses

N/A

N/A

inDinero

inDinero

Midsize businesses

$750/month

Additional pricing tiers (per month): $1,250, custom.

N/A

Best Online Bookkeeping Services

QuickBooks Live

Best for QuickBooks users

Starting at
$300/month

Plus first-month cleanup fee. Price increases as average monthly expenses increase.

Promotion
N/A

on QuickBooks' website

QuickBooks Live

Best for QuickBooks users

Starting at
$300/month

Plus first-month cleanup fee. Price increases as average monthly expenses increase.

Promotion
N/A

on QuickBooks' website

Bookkeeper360

Best for Overall bookkeeping service

Starting at
$49/month

Additional pricing tiers (per month): $399, $1,149.

Promotion
N/A

Bookkeeper360

Best for Overall bookkeeping service

Starting at
$49/month

Additional pricing tiers (per month): $399, $1,149.

Promotion
N/A

Merritt Bookkeeping

Merritt Bookkeeping

Best for Businesses on a budget

Starting at
$190/month

Promotion
N/A

Merritt Bookkeeping

Merritt Bookkeeping

Best for Businesses on a budget

Starting at
$190/month

Promotion
N/A

Pilot

Best for Fast-growing startups

Starting at
$699/month (billed annually)

Plus onboarding fee equal to one month of bookkeeping. Custom pricing also available.

Promotion
First-year 200 monthly discount

for pre-revenue companies.

Pilot

Best for Fast-growing startups

Starting at
$699/month (billed annually)

Plus onboarding fee equal to one month of bookkeeping. Custom pricing also available.

Promotion
First-year 200 monthly discount

for pre-revenue companies.

Bench

Best for New businesses

Starting at
$299/month

Additional pricing tiers (per month): $499.

Promotion
One-month bookkeeping demo.

Bench

Best for New businesses

Starting at
$299/month

Additional pricing tiers (per month): $499.

Promotion
One-month bookkeeping demo.

1-800Accountant

1-800Accountant

Best for Tax support

Starting at
$399/month (billed annually)

Promotion
N/A

1-800Accountant

1-800Accountant

Best for Tax support

Starting at
$399/month (billed annually)

Promotion
N/A

Decimal

Decimal

Best for Project-based businesses

Promotion
N/A

Decimal

Decimal

Best for Project-based businesses

Promotion
N/A

inDinero

inDinero

Best for Midsize businesses

Starting at
$750/month

Additional pricing tiers (per month): $1,250, custom.

Promotion
N/A

inDinero

inDinero

Best for Midsize businesses

Starting at
$750/month

Additional pricing tiers (per month): $1,250, custom.

Promotion
N/A

Top bookkeeping services feature checklists

Bookkeeper360: Best overall bookkeeping service

Integrates with popular accounting software
Reconciles transactions
Provides financial reports
Offers add-ons such as tax preparation, payroll and HR
Offers catch-up bookkeeping services
Access to bookkeepers by phone

Merritt Bookkeeping: Best for businesses on a budget

Integrates with popular accounting software
Reconciles transactions
Provides financial reports
Offers add-ons such as tax preparation, payroll and HR
Offers catch-up bookkeeping services
Access to bookkeepers by phone

Bench: Best for new businesses

Integrates with popular accounting software
Reconciles transactions
Provides financial reports
Offers add-ons such as tax preparation, payroll and HR
Offers catch-up bookkeeping services
Access to bookkeepers by phone

Pilot: Best for fast-growing startups

Integrates with popular accounting software
Reconciles transactions
Provides financial reports
Offers add-ons such as tax preparation, payroll and HR
Offers catch-up bookkeeping services
Access to bookkeepers by phone

QuickBooks Live: Best for QuickBooks users

Integrates with popular accounting software
Reconciles transactions
Provides financial reports
Offers add-ons such as tax preparation, payroll and HR
Offers catch-up bookkeeping services
Access to bookkeepers by phone

1-800Accountant: Best for tax support

Integrates with popular accounting software
Reconciles transactions
Provides financial reports
Offers add-ons such as tax preparation, payroll and HR
Offers catch-up bookkeeping services
Access to bookkeepers by phone
most expensive Enterprise plan comes with bookkeeping services.

Decimal: Best for project-based businesses

Integrates with popular accounting software
Reconciles transactions
Provides financial reports
Offers add-ons such as tax preparation, payroll and HR
Offers catch-up bookkeeping services
Access to bookkeepers by phone

inDinero: Best for midsize businesses

Integrates with popular accounting software
Reconciles transactions
Provides financial reports
Offers add-ons such as tax preparation, payroll and HR
Offers catch-up bookkeeping services
Access to bookkeepers by phone

How to choose bookkeeping services

Ask yourself the following questions to find the right online bookkeeping service for your business:

Is the bookkeeping service compatible with your accounting method?

There are two accounting methods: cash basis and accrual basis. Cash basis accounting is much simpler, which is why many bookkeeping services offer it at a lower price. But accrual accounting can give you a better understanding of where your business stands. So, choose a service that does the right accounting for your business's size and complexity.

Does it integrate with your accounting software?

Lots of bookkeeping services are built to run on QuickBooks, an industry leader in accounting and bookkeeping software. Some services also support Xero, another popular cloud-based accounting software. If you're comfortable with your current software, ensure your bookkeeping service supports it.

Do you need add-on services outside of basic bookkeeping tasks?

Not all bookkeeping services offer the same add-on features. Some business owners, for example, might want their bookkeeper to handle payroll, HR or other back-office jobs like invoicing, bill pay and inventory management on top of fielding basic bookkeeping tasks. Or, if it isn’t already included, you may be looking for tax support to take some of the pressure off when it's time to file returns. These services can help you claim the correct small-business tax credits and deductions, prepare your returns and file them. Even if a bookkeeping service has all of these add-ons, they can be expensive, so be sure you understand the total cost before choosing a service.

Will you require catch-up bookkeeping services?

If you haven't always been diligent about your financial record-keeping, most bookkeeping services will go through your old receipts, invoices and bank statements to bring your books up to date. This service usually carries an additional fee, so it's important to price out your catch-up bookkeeping costs while searching for a bookkeeping service.

How often do you want to communicate with your bookkeeper?

Online bookkeeping services typically offer a dedicated contact or team — but these are still virtual bookkeepers, available by email or occasionally by phone. If you don't want to communicate virtually, these bookkeeper interview questions can help you find a resource near you.
Online services may offer one-on-one meetings, but you might have to pay more. If you want a higher level of support in the future, such as chief financial officer or CFO-style services, consider choosing a bookkeeping service that will allow you to upgrade later.

What’s your online bookkeeping services budget?

Online bookkeeping services typically range from around $200 per month to well over $500 per month if you opt for more frequent reports or back-office add-ons. Depending on the bookkeeping service, costs also rise when your business’s monthly expenses exceed a particular threshold. The decision comes down to whether the time saved is worth the expense.
When comparing services, ensure you're pricing out all the features you need, including add-on services like tax prep, payroll and HR. If you're considering a bookkeeping service that runs on QuickBooks or Xero, include the cost of that software, too. Take advantage of product demos and introductory calls to find the right service.

Frequently asked questions

The best bookkeeping services take care of basic bookkeeping tasks, like reconciling bank statements, inputting transactions and generating financial reports. You should be able to directly call or message your bookkeeper with questions whenever necessary, and some services offer add-ons for tax planning and payroll.
Accounting software makes it possible to handle bookkeeping tasks on your own and automate some of them, such as categorizing and matching transactions. Even with these features, though, you’ll still want to double-check for errors, which takes time. And the more complex your business’s financials, the more likely you’ll want to bring on a dedicated bookkeeping service.
If the hours you spend working with your accounting software could be better spent elsewhere and you’re already using the software as efficiently as possible, it might be time to hire an online bookkeeping service. Ultimately, it can benefit your business by freeing up your time and ensuring your books are up to date. This puts your business in a solid position come tax time and helps you keep a finger on the pulse of its financial state.
Bookkeepers and accountants both play a role in your business’s financial health, but business owners probably chat with their bookkeepers more frequently. Whereas accountants usually file your taxes and advise you on financial decisions, bookkeepers help maintain your books throughout the year by preparing monthly financial statements, recording transactions and reconciling bank statements.
Last updated on July 16, 2024

Methodology

To determine the best bookkeeping services, NerdWallet considered the following features:
Affordability. Most of the bookkeeping services included start below $500 per month.
Accounting software integrations. Ideally, bookkeeping services integrate with popular accounting software, like QuickBooks Online and Xero. Some offer their own proprietary bookkeeping software instead.
Supported accounting methods. More complex small businesses should select a bookkeeping service that supports accrual basis accounting instead of only cash basis accounting.
Availability of add-on features. These include tax support, payroll, inventory tracking and catch-up bookkeeping services.
Bookkeeper communication. Unlimited messaging or phone calls with your dedicated bookkeeper or team of bookkeepers is a plus.