How Much Does a Bookkeeper Cost in the Philadelphia Area? (2026 Guide)

By Stephen Reustle, CPA | Reustle Accounting and Finance Solutions | Garnet Valley, PA

If you're a small business owner in the Greater Philadelphia area asking yourself whether it's time to hire a bookkeeper, the first consideration that comes to mind is likely the cost.

The cost of a bookkeeper is dependent on a myriad of factors, which includes who you hire, how complex your books are, and whether you go with a freelancer with no accounting background, a bookkeeping firm that operates on volume, or a CPA-led service. The purpose of this article is to assist you in making an informed decision about the next steps for your business, whether it's moving on from DIY bookkeeping, or finding a new bookkeeper to replace your existing one.

What Bookkeeping Costs in Philadelphia at a High Level

For small businesses in the Philadelphia area, professional bookkeeping services typically fall into these ranges:

Monthly Bookkeeping Services (Outsourced)

• Basic (low transaction volume, simple books): $300 – $500/month

• Mid-range (growing business, payroll, multiple accounts): $500 – $1,000/month

• Complex (high volume, multiple entities, ecommerce): $1,000 – $2,500+/month

Hourly Bookkeeping Rates in Philadelphia

• Freelance or independent bookkeeper: $20 – $50/hour

• Bookkeeping firm or CPA-led service: $50 – $150+/hour

In-House Employee (Full-Time)

• Average annual salary for a bookkeeper in Philadelphia: approximately $45,000 – $60,000/year

• Add 20–30% for employer payroll taxes, benefits, and overhead — bringing the true cost closer to $55,000 – $78,000/year

• Potential for turnover and recruiting fees (the unmeasurables)

For most small businesses with fewer than 50 transactions per month, outsourced monthly bookkeeping in the $300 – $600 range is the sweet spot.

What Factors Drive the Cost?

Not every business pays the same rate. Here's what influences where you fall on the pricing spectrum.

Transaction Volume This is the biggest driver. A business with 30 transactions per month takes far less time to reconcile than one with 300. Most bookkeepers price their monthly services based on transaction volume — expect to pay more as your business grows.

Number of Accounts The more bank accounts, credit cards, loans, and payment processors you have, the more accounts need to be reconciled each month. Each additional account adds time and cost.

Industry Complexity Some industries have more accounting complexity than others. Real estate investors dealing with depreciation, cost segregation, and multiple properties require more specialized work than a simple service business. Construction companies dealing with job costing are another example of higher-complexity engagements.

Payroll If your bookkeeper is also managing payroll, that adds to the monthly cost — typically $50 – $150/month extra depending on the number of employees.

Catch-Up Work If your books are behind — or have never been properly set up — expect a one-time cleanup fee before regular monthly bookkeeping begins. This can range from a few hundred dollars to several thousand depending on how far behind things are.

Who You Hire There's a meaningful difference between hiring a general freelance bookkeeper, a bookkeeping-only firm, and a CPA-led bookkeeping service. We'll cover this below.

Freelancer vs. Bookkeeping Firm vs. CPA-Led Service

Freelance Bookkeeper - A freelance bookkeeper working independently is typically the most affordable option, with hourly rates in the $20 – $35/hour range or flat monthly rates at less than $300. The tradeoff is that you may hire someone without a traditional accounting background, or who treats bookkeeping as nothing more than a data entry-driven exercise. This is not to say there aren't great freelancers out there. If you find one in that range that does it all, you've struck gold, but please be aware that budget bookkeeping often costs much more in the long run.

Bookkeeping Firm - Dedicated bookkeeping firms offer more reliability than a solo freelancer and often have systems and processes that make them efficient. Pricing is typically in the $300 – $700/month range for small businesses. The limitation is the same as the freelancer — these are bookkeepers, not CPAs. 

CPA-Led Bookkeeping Service When a CPA oversees or performs your bookkeeping, you're getting more than organized records: you're getting books that are prepared by someone who understands the tax implications of every transaction. A CPA-led bookkeeper will catch things a standard bookkeeper might miss: misclassified expenses, depreciation opportunities, estimated tax implications of unusual revenue months, and red flags before they become problems. The cost is typically on the higher end of the monthly range, but the added value often more than makes up for the difference.

At Reustle Accounting and Finance Solutions, our bookkeeping services are CPA-led, meaning your books are handled with tax accuracy in mind from the start, rather than cleaned up after the fact. That said, our prices are fair, typically starting at $400 a month, and scaling to as much as $2,500 a month depending on the complexity of the business.

The Hidden Cost Nobody Talks About: Doing It Yourself

Many Philadelphia-area small business owners are still handling their own books. That means they are logging into QuickBooks late at night, scrambling to reconcile accounts before tax season, or handing their accountant a shoebox of receipts in April.

It feels like you're saving money. But consider the real math.

If you spend 8 hours per month on bookkeeping, and your time is worth $75 per hour as a business owner, that's $600 per month in opportunity cost, or $7,200 per year. Professional bookkeeping for a business your size might cost $400 per month. That means DIY bookkeeping is actually costing you more, on top of the stress, the errors, and the tax opportunities you're likely missing.

Use our free DIY Bookkeeping Cost Calculator to find out exactly what your own books are costing you.

What's Included in a Good Bookkeeping Service?

When evaluating bookkeeping providers in the Philadelphia area, here's what a solid monthly service should include:

• Monthly transaction categorization and coding

• Bank and credit card reconciliations

• Profit & Loss statement and Balance Sheet preparation

• Accounts payable and receivable tracking (if applicable)

• Communication with your CPA or tax preparer at year-end

• Clean, tax-ready books by January

• Frequent communication with the business owner about the results of their business

Is It Worth Hiring a Bookkeeper in the Philadelphia Area?

For most small business owners, the answer is yes, but timing matters. Here are some signs you're ready:

• You're spending more than a few hours per month on your books

• You've had errors, missed deductions, or gotten behind

• Your business is growing and the complexity is increasing

• You dread tax season because your records aren't organized

• You want cleaner financial data to make better business decisions

If any of those sound familiar, the cost of professional bookkeeping is almost certainly less than what disorganized books are costing you in time, stress, and missed tax savings.

Working With a Local Philadelphia-Area CPA

There's real value in working with someone local. A bookkeeper or CPA who understands the local market brings context that national online services simply can't match. Additionally, there is a greater level of accountability in signing on with a local CPA.

Reustle Accounting and Finance Solutions is based in Garnet Valley, Pennsylvania and serves small businesses throughout Delaware County, Chester County, Montgomery County, and the broader Philadelphia region. We offer monthly bookkeeping services with CPA oversight, and we work with clients remotely across Pennsylvania and beyond.

If you'd like to discuss what bookkeeping might cost for your specific situation, reach out for a free consultation. There's no obligation, just a straightforward conversation about your business and what kind of support makes sense.

Stephen Reustle is a Certified Public Accountant and the founder of Reustle Accounting and Finance Solutions, LLC, based in Garnet Valley, Pennsylvania. The firm offers bookkeeping and individual tax preparation services to small businesses and individuals in the Greater Philadelphia area.

Email: Stephen@ReustleAccounting.com