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How Much Does Accounting Really Cost? A CPA’s Guide for Small Business Owners

How Much Does Accounting Really Cost? A CPA’s Guide for Small Business Owners

Posted on December 8th, 2025


If you’ve ever wondered, “How much does accounting cost for a small business?” You’re not alone. It’s one of the most common questions business owners ask — especially when they’re growing, overwhelmed, or simply tired of trying to manage the books themselves.

As the owner of Sunrise Tax & Accounting LLC, and a CPA with over a decade of experience helping restaurants, service-based companies, construction trades, nonprofits, and home-health agencies manage their finances, I’ve learned something important:

Accounting isn’t just about the numbers. It’s about using those numbers to build a stronger, more profitable business.

And the cost of accounting depends entirely on what level of support you want and what outcomes you want to achieve.

Below, I’ll break down realistic price ranges, the factors that affect cost, and how to choose the right accounting partner.

Industries I Serve (and Why That Matters for Pricing)

Small businesses are the backbone of my firm, and most of the clients I work with operate in:

  • Restaurants
  • Landscaping
  • Car detailing
  • Home health care services
  • Nonprofits (501c3 organizations)
  • Construction & remodeling
  • Pool maintenance
  • Painting services

These are high-touch, service-based industries where cash flow, labor costs, and margins matter a lot. Because I understand their day-to-day challenges, I can tailor pricing — and strategy — to what will actually move the needle.

What Accounting Services Typically Cost

At Sunrise Tax & Accounting, I offer three levels of support to match where a business is in its journey.

1. Basic Accounting Services : $500–$700/month

This works well for very small or newer businesses that need:

  • Monthly transaction categorization
  • Bank and credit card reconciliations
  • Monthly financial statements
  • A review of financial performance

Who it’s ideal for:
Startups, solopreneurs, and small service providers.

2. Advanced Accounting Services: $800–$1,000/month

This tier is best for businesses with employees, multiple accounts, higher volume, or more complex operations.

It includes everything in basic bookkeeping plus:

  • Deeper monthly analysis
  • More detailed reporting
  • More frequent communication
  • Clean, audit-ready books

Who it’s ideal for:
Restaurants, construction companies, home-health providers, growing service businesses.

3. CFO Advisory Services : +$1,500/month

This is where the transformation really happens.

My CFO advisory services include:

  • Building a monthly strategic plan with management
  • Analyzing plan vs. actual performance
  • Creating and tracking KPIs
  • Cash flow forecasting
  • Improving margins
  • Identifying risks and opportunities
  • Ongoing financial coaching

Who it’s ideal for:
Business owners serious about scaling, improving profitability, and building systems for long-term success.

Real Case Studies: How Accounting Pays for Itself

Case Study 1: Restaurant Owner Margin Turnaround

A restaurant client came to me overwhelmed, unsure why they were selling a lot but still not profitable.

After reviewing their statements, I identified:

  • Labor inefficiencies
  • High food waste
  • Pricing issues
  • Overlooked cost trends

With weekly KPI tracking and plan-vs-actual reviews, the owner saw significant improvement in margins and finally understood the “why” behind their financial performance.

Case Study 2: Fixing Messy Books and Saving Money

Many clients come to me with messy books—missing receipts, uncategorized transactions, inaccurate reporting, or years of behind bookkeeping.

By cleaning up their financials, I’ve helped clients:

  • Avoid compliance issues
  • Identify cash leaking from unnoticed expenses
  • Restore clarity and confidence
  • Make decisions that increase profitability

One client even discovered they had been underbilling customers for months — a mistake that cost them thousands before we corrected it.

These are the kinds of issues no automated or 1-800 accountant service will catch.

Why Small Businesses Often Choose the Wrong Accounting Firm

Too many owners sign up for:

Other accounting firms that don’t understand their industry
Firms that barely spend time on their books
Services with zero personalized guidance

The result?

  • Books that are technically “done” but not helpful
  • No financial insights
  • No guidance on how to grow
  • Missed deductions
  • Owner confusion and frustration

Accounting shouldn’t feel like a black box.
It should feel like partnership, clarity, and growth.

What Affects the Cost of Accounting?

When I meet with a new client, I look at:

  • Number of monthly transactions
  • Number of bank/credit card accounts
  • Whether they have payroll
  • Industry complexity
  • Stage of business growth
  • Whether they need KPIs, planning, or forecasting
  • How quickly the books need to be cleaned up
  • Whether they want coaching on top of bookkeeping

Pricing is always customized because no two businesses operate the same way.

Why My Background Matters (and Why It Impacts Value)

I don’t just understand accounting —
I understand how to run a profitable small business.

My background includes:

  • Building systems
  • Creating efficiencies
  • Understanding margins
  • Knowing what it takes to market and grow
  • Delegating and scaling
  • Coaching owners through financial decisions

This allows me to provide more than bookkeeping.
I provide financial leadership.

What Makes Sunrise Tax & Accounting Different

Here’s what clients tell me sets my firm apart:

✔ Quick turnaround time

✔ Responsive communication

✔ Clear explanations of the numbers

✔ Help understanding how decisions affect performance

✔ Monthly coaching and strategy support

✔ Affordable pricing designed for real businesses

In other words:

I don’t just give you a profit and loss.
I help you understand it — and use it to grow.

How I Communicate Pricing

I never send generic pricing sheets.

Instead, I meet with each business owner one-on-one to understand:

  • Their needs
  • Their goals
  • Their transaction volume
  • Their challenges

Then I create a value-based, flat-fee monthly package that ensures the business gets exactly what it needs — nothing more, nothing less.

The One Thing Business Owners Should Know About Accounting

If I could leave small business owners with one message, it would be this:

Every great athlete has a coach — and every successful business needs a financial coach.

Accounting is not an expense.
It is an investment in:

  • Understanding your numbers
  • Improving your margins
  • Reducing your risks
  • Making better decisions
  • Growing with confidence
  • Learning the best tax strategies for your business and industry

The right accountant doesn’t just keep score.
The right accountant helps you win.

Ready to Get Support With Your Business Finances?

If you’re looking for a CPA who understands small businesses, cares about your success, and delivers insights you can act on every month, I’d love to help.

Sunrise Tax & Accounting LLC
[email protected]
(816) 456-4324 

Send Us a Message for Personalized Assistance

We value your inquiries and are here to assist you. If you have any questions or require further information regarding our services at Sunrise Tax & Accounting, please do not hesitate to reach out.