Outsourced Accounting vs In-House: The Cost and Coverage Math

Outsourced accounting vs in-house comes down to fully-loaded cost against coverage risk. A single in-house accountant runs roughly $100,000 to $150,000 a year loaded, while a CPA-led outsourced firm delivers a full accounting team, monthly GAAP close, and audit-ready books for $9,000 to $60,000. For most companies under $20 million in revenue, outsourced or hybrid wins on cost and continuity, with indinero pricing starting at $750/mo.