Outsourced Bookkeeping vs In-House Bookkeeper: The Real Math

Outsourced bookkeeping vs in-house comes down to fully loaded math. A single in-house bookkeeper runs $70K to $100K a year in 2026 once benefits, payroll tax, equipment, and recruiting are counted, while CPA-led outsourced runs $9K to $60K. Indinero’s CPA-led bookkeeping starts at $750/mo, adds a reviewed close, and bundles tax and advisory a lone hire can’t cover.