Accounting is one of those things you cannot afford to mess up. Miss a payroll, file taxes late, or lose track of cash flow — and your whole business starts wobbling.
The catch? Hiring an in-house accountant in the U.S. costs a fortune.
Even a mid-level role will run you $70K–$90K a year, before you even add benefits, payroll taxes, and the QuickBooks subscription. By the time you’re done, you’re well over $100K annually.
That’s why more and more founders are considering hiring accounting outsourcing companies in USA. And the sweet spot? Under $5K/month.
At that price point, you should be able to cover your bookkeeping, payroll, compliance, tax filing, and even some CFO-level insights without breaking the bank.
In this article, we review the top 10 accounting outsourcing companies for this year, with pricing, services, and real client reviews.
What $5K/Month Actually Buys You
At this budget, you should reasonably expect:
- Bookkeeping — AR/AP, reconciliations, financial reporting
- Payroll — staff payments, benefits, deductions
- Tax prep & compliance — filings, deadlines, reporting
- Financial insights — monthly statements, some fractional CFO guidance
Compare that to in-house accounting:
| Cost Item | In-House Accountant | Outsourced Accounting |
|---|---|---|
| Base Salary | $5,500–$7,500/month | $3,000-5,000/month |
| Benefits & Payroll Taxes | $12,000 – $18,000/year | Included |
| Recruiting & Onboarding | $2,000 – $6,000 one-time | $0 |
| Software & Tools | $150–$400/month | Usually included in the monthly retainer |
| Office/Overhead | Variable (desk, IT, HR) | $0 |
| Total Annual Cost | $90K – $120K+ | $36K – $60K |
Already made up your mind about outsourcing accounting? Don’t just rent a service – own your accounting team.
With Pavago, you can build a team of A-player accountants, payroll specialists, and QuickBooks experts for under $5K/month.
Best Accounting Outsourcing Companies in USA: A Quick Overview
| Company | Services | Client Feedback |
|---|---|---|
| Bench | Bookkeeping + tax | “Bench helped me replace QuickBooks – saved me 6 hrs/month.” |
| inDinero | Bookkeeping + CFO + tax | “Prompt, dependable, and get the job done.” |
| Pilot | Startup accounting + tax | “Pilot takes the stress out of accounting and bookkeeping.” |
| Paro | On-demand finance pros | “Excellent bookkeeper … seamless process.” |
| Belay | Virtual U.S.-based services | “Good process, but overpriced.” |
| KPMG Spark | Cloud bookkeeping + tax | Rated 4.5/5 on ITQlick for usability and support |
| Bookkeeper360 | Bookkeeping + payroll + CFO | “Reliable, competent, efficient CPAs.” |
| Ignite Spot | Bookkeeping + CFO services | “Proactive, professional, and always a step ahead.” |
| AC Accountancy | AR/AP, payroll, compliance | Pricing and testimonials vary; SMB-focused services. |
| Pavago | Build-your-own offshore team | “We replaced a $7K accountant for $3.5K with Pavago – same skill level, but much more reliable.” |
Getting Into the Details
1. Bench Accounting
Bench specializes in small business bookkeeping and tax bundles. Their platform is clean, their process automated, and their pricing predictable – starting at $339/mo for annual plans.
What clients say:
“Bench helped me replace QuickBooks, and save about six hours per month of horrible accounting work, which is priceless.”
2. inDinero
inDinero is built for startups. They go beyond bookkeeping with CFO-level advisory, tax, and reporting. This accounting service provider offers flexible plans, starting from $750/month.
What clients say:
“Top-notch professionalism … prompt, dependable, and get the job done.”
3. Pilot
Pilot is the VC-backed favorite. They integrate with Stripe, QuickBooks, and payroll systems to produce investor-ready financials. One of the best accounting outsourcing companies in USA for outsourcing payroll. Pilot offers multiple packages for different services.
What clients say:
“Pilot takes the stress out of accounting and bookkeeping … saves me both time and worry.”
4. Paro
Paro is like Uber for finance talent. You can get a bookkeeper one month, a fractional CFO the next, and scale up/down as needed. Pricing is customized and isn’t publicly disclosed on Paro’s website.
What clients say:
“Paro has connected me with an excellent bookkeeper … the process of selection, contract, and payment was seamless.”
5. Belay Solutions
Belay is one of the top remote staffing agencies with a focus on U.S.-based remote professionals. They’re popular with SMBs that don’t want offshore, though reviews are mixed. Pricing is customized to fit your unique business needs.
What clients say:
“Belay’s hiring process was thorough, but the pricing felt steep compared to other options.”
6. KPMG Spark
Big Four credibility, SaaS simplicity. KPMG Spark handles bookkeeping and tax through a cloud-first platform made in collaboration with VensureHR. Like Paro, Spark’s pricing isn’t customized to your needs.
What clients say:
“We get Big Four reliability without Big Four costs.”
7. Bookkeeper360
Bookkeeper360 is a startup favorite for QuickBooks/Xero integration. This accounting outsourcing firm handles bookkeeping, payroll, and CFO services. Bookkeeper360 offers multiple packages, including a pay-as-you-go option. Package details with pricing can be viewed on their website.
What clients say:
“Reliable, competent, and efficient CPAs and bookkeepers!
8. Ignite Spot
Ignite Spot combines outsourced bookkeeping with CFO-level financial guidance to offer the best outsourced accounting services.
What clients say:
“They’re proactive, professional, and always a step ahead. I finally feel in control of my numbers.”
9. AC Accountancy
AC Accountancy is a relatively less well-known accounting service provider, but it’s strong in SMB-focused services like AR/AP, payroll, and compliance. Packages are customized hence pricing isn’t publicly disclosed.
What clients say:
“They brought structure to our messy books quickly.”
10. Pavago — Build your own offshore accounting team
Here’s where the model changes.
Instead of renting a service, Pavago helps you build your own offshore accounting team of A-players, including:
All for under $5K/month.
And because they’re your team (not the agency’s), you get:
- Start small or scale up — hire as few as one accountant, and add more team members whenever your business needs grow.
- Risk-free hiring — if you’re not fully satisfied, you can replace your accountant at any time, with no extra cost.
- Dedicated support — your accountant works exclusively on your accounts, ensuring focus, accuracy, and full confidentiality.
What clients say:
“We replaced a $7K/month U.S. accountant with an offshore one through Pavago. Same quality, but way more reliable and affordable.”
Get started in minutes — hire your first accountant with Pavago now!
What to Watch Out For
Some accounting outsourcing companies in USA might look affordable on paper, but the hidden downsides usually show up later. For example:
- They’ll quote you a low rate, but then tack on extra charges for basics like payroll or tax filing, so your “affordable” plan ends up costing a lot more.
- The work isn’t always reviewed by a CPA, which can leave you exposed to mistakes and compliance issues.
- Onboarding can drag on for weeks, meaning you’re paying without actually getting the support you need.
- And if the accountant they assign isn’t a good fit, you might find there’s no clear replacement policy — leaving you stuck.
If you spot these signs, it’s usually best to walk away before committing.
FAQs about Accounting Outsourcing Companies in USA
Wrapping It Up
Under $4K/month, SMBs can finally get comprehensive accounting services that are clean, compliant, and CFO-smart without blowing the budget. Accounting outsourcing companies in USA like Bench, Pilot, and Ignite Spot deliver solid service.
But if you want more than outsourced tasks — if you want to own your accounting team, not rent it — Pavago is the smarter path.
You get A-player offshore accountants under $4K/month, payroll + HR handled, and lifetime replacements guaranteed.
