Small Business Bookkeeping, From $250 a Month
Your books get reconciled every month, closed on schedule, and handed to you tax ready, not stacked up until April. Monily pairs your business with a dedicated bookkeeper who knows your file, at a flat monthly rate based on your transaction volume. No software to learn and no year-end scramble to fix what got missed.
- Serving businesses since
- 2006Serving businesses since
- Businesses served
- 5000+Businesses served
- on Google
- 4.4/5on Google
- Industries served
- 15+Industries served
Who This Is For
Doing your own books
You have been doing your own books in a spreadsheet or a half set up QuickBooks file and want it handled properly.
Books that have fallen behind
Your books have fallen behind, sometimes a year or more, and you need someone to catch them up before a lender, an investor, or a tax deadline forces the issue.
Outgrown your bookkeeper
You outgrew a freelance bookkeeper or a part time hire and need a team that does not disappear during a busy month.
The Problem
Uncategorized transactions pile up
A few do not feel urgent. Six months later, you are scrambling to work out what you spent on inventory versus marketing.
1099s go out late
A 1099 goes out late, or not at all, because nobody caught the contractor who crossed the threshold.
No profit and loss when it counts
A bank or an investor asks for a profit and loss statement, and what you have is a checking account balance and a guess.
Tax season turns into cleanup
Filing becomes a cleanup project, billed by the hour, before a single return gets touched.
Here is what changes.
- books_FINAL_v3.xlsx · 11:48 PMSysco1,240.00?Amazon318.56Supplies?Transfer2,000.00??Stripe payout4,812.10SalesCheck 1043900.00?Margin this month~18%?
Before
You are reconciling your own accounts at midnight, estimating your margin, and dreading whatever your accountant finds in January. Transactions pile up, a 1099 slips, and tax season becomes a cleanup project.
- Inbox · Mon 9:02 AMm
Your bookkeeper at Monily
March close is done. Everything reconciled last week.
Profit and loss · March.pdfReconciledBalance sheet · March.pdfReconciledForward to my preparer →With Monily
A profit and loss statement is already sitting in your inbox, reconciled last week, and you forward it to your preparer without opening a spreadsheet first. A dedicated bookkeeper knows your file and closes your books on a fixed schedule.
What's Included
Every plan includes the core work small businesses actually need month to month, not a stripped down version that turns into upsells later.
Book a free consultationBank and credit card reconciliation
Every account matched to your bank and card statements each month, so your balances are provable, not estimated.
Chart of accounts setup
Built around how your business actually earns and spends, not a generic template that gets reworked later.
Month-end close
Books closed on a fixed schedule with a profit and loss statement and balance sheet you can read without translation.
Catch-up work
If your books are behind by a few months or a few years, we reconstruct the missing periods before your monthly cadence starts.
Sales tax and 1099 filing
We track what you owe and file it, and we prepare and file 1099-NEC and 1099-MISC forms for the contractors you paid.
What You Get
01
A dedicated bookkeeper
Someone who knows your file, not a rotating queue.
02
Monthly financial statements
Delivered on a fixed schedule, every month.
03
Records you own
A chart of accounts and workpapers you own and can take with you.
04
A team that scales with you
From a single-owner shop to multiple locations.
Clean books are the start. Growth Score shows what they mean.
Every month-end close updates your Growth Score, a 0–1,000 read on revenue, profit, cash and debt. You'll know whether the month you just closed made the business stronger.
Profit you can trust: margins from reconciled books, not estimates.
Late payers flagged: days to collect, tracked against your target.
Month over month: a trend line that shows whether changes are working.
Included on the Growth plan ($650/mo) and above.
Growth Score DemoHow It Works
Getting started with our online bookkeeping services for small business follows the same five steps regardless of how far behind your books are.
01
Free consultation
We look at your current books, your software, and how far behind, if at all, your records are.
02
Scoped plan
You get a plan recommendation and a price based on your transaction volume and complexity, not a one-size quote.
03
Access and cleanup
We connect to your bank feeds and accounting software, and if catch-up work is needed, we start there before anything else.
04
First close
Your first month-end close runs on the new cadence, with a call to walk through what changed from how you were tracking things before.
05
Ongoing support
Each month your accounts are reconciled and your statements delivered with a short summary, and you have a dedicated bookkeeper and a direct line to them, not a ticket queue.
Pricing
Our virtual bookkeeping services are priced in tiers based on your monthly expenses and how much support your business needs, with no setup fee and no long-term contract.
| Feature | Essentials $250/month Billed monthly | Growth $650/month Billed monthly | Oak Custom Scoped on your consultation call |
|---|---|---|---|
| Monthly expenses | Up to $20K | Up to $60K | $60K+ |
| Accounting basis | Cash | Cash or accrual | Cash or accrual |
| Bookkeeper | Shared | Dedicated | Dedicated team |
| Bank & credit card reconciliations | Included | Included | Included |
| P&L and Balance Sheet | Included | Included | Included |
| Accounts receivable management | Included | Included | Included |
| Accounts payable management | Not included | Included | Included |
| Cash flow forecasting | Not included | Included | Included |
| Budgeting & inventory | Not included | Included | Included |
| Growth Score dashboard | Not included | Included | Custom KPIs |
| CFO-level insights | Not included | Monthly review + quarterly call | Fractional CFO |
| Management reporting | Not included | Not included | Included |
| Multi-company management | Not included | Not included | Included |
| Financial modeling | Not included | Not included | Included |
| Book a free consultation | Book a free consultation | Book a free consultation |
Chart of accounts setup, catch-up work, and sales tax and 1099 filing are available across every plan and scoped on your consultation call. Catch-up work is quoted separately from the monthly plan once we see the condition of your books.
Book a Free Consultation to Get a QuoteCompare the Options
There is more than one way to get your books done. Here is how the common options actually compare, including where doing it yourself or hiring in-house genuinely wins.
Swipe the table to compare all four options
| Criterion | MonilyBook a free consultation | Doing it yourself | Freelance bookkeeper | Hiring in-house |
|---|---|---|---|---|
| Monthly cost | Yes $250 to $650 a month based on plan, custom above that | Yes Lowest, no fees, but your own unpaid time | Limited Typically $300 to $800, depending on scope | No Fully loaded salary and benefits, usually $3,000 or more a month even part time |
| Your time | Yes Low, a monthly review call is the main commitment | No 5 to 10+ hours a month, more if books are behind | Limited Low once handed off, but you stay the point of escalation | Limited Low day to day, but you manage, train, and cover for them |
| Error risk | Yes Lower, reconciliations are reviewed before your close is delivered | No Highest, no second set of eyes on your own entries | Limited Depends on one person's experience and availability | Limited One person again, with gaps when they are out or leave |
| Tax-ready | Yes Yes, built to hand directly to a preparer | No Usually not, categorization gets guessed at and cleaned up later | Limited Varies with their tax background | Limited Depends on the hire, most bookkeepers are not tax preparers |
| Can it grow with you | Yes Yes, move up a plan or add services without a hiring cycle | No No, breaks down past a handful of transactions | Limited Limited, one person only scales so far | Limited Yes, but each jump in complexity often means another hire |
We work with what you're already using. No migrations required.
We work inside the software you already use rather than moving your books onto a platform of our own, including QuickBooks Online and Desktop, Xero, NetSuite, Sage, Zoho Books, FreshBooks, Wave, and Odoo, with Bill.com and Ramp for receivables and payables. If you are not yet on any of these, we will recommend one based on your business during your consultation.
Industries We Serve
Bookkeeping for a restaurant with nightly cash deposits looks different from bookkeeping for a law firm billing on retainer, so our team builds each chart of accounts around how your industry actually operates.
Bookkeeping in Action
What our 5000+ clients say about Monily
Why partner with Monily
Accounting, tax and CFO support under one roof, from a team that has done this since 2006.
Experts on Your Books
- Certified accountants and QuickBooks Elite ProAdvisors
- A dedicated success manager who knows your account
- Teams across the US, Canada, the UK, the UAE and Pakistan
- Questions answered by people, usually the same day
Built to Grow With You
- Monthly financials delivered on schedule
- Bookkeeping, tax, payroll and CFO support in one place
- Works in the tools you already use
“Monily was great to work with. They understood the requirements quickly and delivered high-quality results without any issues. Their professionalism and reliability made the whole process smooth and stress-free. I’m very satisfied with the outcome and would be happy to hire them again for future projects.”
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Frequently
Asked Questions
Book a free consultationBookkeeping Services, Explained
Our bookkeeping services for small business owners fit three situations most often. Some owners have been keeping their own books, some have outgrown the person who used to, and some are catching up on records that fell behind.
A few uncategorized transactions do not feel urgent. Then six months later, you’re scrambling through papers to figure out what you actually spent on inventory versus marketing without pulling every statement.
A 1099 goes out late, or not at all, because nobody caught the contractor who crossed the threshold. Then a bank or an investor asks for a profit and loss statement, and what you have is a checking account balance and a guess.
That is usually the point where tax season stops being a filing and turns into a cleanup project, billed by the hour, before a single return gets touched.
Once your file is current, the monthly cycle runs on a fixed schedule rather than whenever someone gets to it.
Transactions from your bank and credit card feeds are categorized against your chart of accounts throughout the month. Around the close of the period, every account gets reconciled against your statements, discrepancies get resolved, and accounts receivable and payable are brought current on the plans that include them. Your profit and loss statement and balance sheet are prepared, reviewed internally, and delivered to you with a short-written summary of anything that moved.
A review call is available if you want to walk through the numbers rather than just read them. Workpapers supporting every figure are filed and available to you or your tax preparer whenever they are needed, including at filing season.
Bookkeeping cost for a small business with a year of missed reconciliations looks different from a business that just wants a clean monthly close, which is why chart of accounts setup, catch-up work, and sales tax and 1099 filing are scoped on your consultation call.
Doing your own books stays the cheapest option in dollars, and a good freelance bookkeeper can be the right call for a very small, simple file.
But hiring Monily proves its worth in the rows that do not show up on an invoice, the reconciliation nobody double-checked, the deadline nobody was tracking, and the statements that were not ready when a lender asked for them.
We work with restaurants, dental practices, healthcare providers, law firms, e-commerce sellers, startups, freelancers, and more across 15-plus industries, alongside general small businesses that do not fit a single category.
Monily has been doing this since 2006, long enough that most of what can go wrong in a small business's books, we have already fixed for someone else. Our team includes expert tax practitioners, so the same people who reconcile your accounts each month understand what your tax preparer will need from them later. We are an IRS CAA, a QuickBooks Elite ProAdvisor, and an official NetSuite partner, credentials that matter less for a sales page and more for what happens if the IRS ever sends you a notice.
Choosing outsourced bookkeeping services means picking who is accountable when something does not add up, and with Monily that is a named bookkeeper you can call, not a support ticket.
Get Your Books Off Your Desk and Onto a Schedule
Book a free consultation and tell us where your books stand today. We will scope the plan that fits, whether that means a straightforward monthly close or catching up a year of missed reconciliations first.
Schedule a free consultation with our C-level experts today.
Know More. Grow More.