Pricing
Flat monthly pricing
Each plan has a flat monthly rate based on the number of accounts and transactions. After a free consultation, we confirm your rate in a written proposal. There is no setup fee and no annual contract.
Solo
- Transactions categorized every month
- 1 bank account and 1 card reconciled
- Monthly close, P&L by the 10th
- Financial Cents portal
- Quick questions answered in business hours
- Year-end package for your CPA
Built for
One entity with one bank account and one credit card, up to 75 transactions a month, no employees, no bill pay or invoicing. Typically under $250K in revenue.
Every month
- Bank feed reviewed and every transaction categorized
- Receipts matched to transactions from your portal uploads
- Bank and card account reconciled to the statement
- Owner draws and contributions tracked separately
- P&L delivered to your portal by the 10th, with a short note on what changed
- A list of anything we could not place without you, in one thread
- Quick questions answered within 30 minutes, Mon to Fri, 8am to 6pm ET
Year end
- Year-end package: full-year P&L and balance sheet, general ledger, trial balance
- A call with your CPA if they want one
Not on this plan
- Monthly balance sheet; move to Essentials when you want it every month
- Payroll, bill pay or invoicing; add payroll to any plan, or move to Growth for bill pay and invoicing
Essentials
- Everything in Solo
- Up to 3 accounts reconciled
- P&L and balance sheet every month
- Up to 150 transactions a month
- Financial Cents portal
- Year-end package for your CPA
Built for
Sole proprietors, single-member LLCs and S corps with up to 3 bank, card or loan accounts and up to 150 transactions a month. One entity, no bill pay or invoicing. Typically under $500K in revenue.
Every month, on top of Solo
- Up to 3 accounts reconciled to their statements
- Balance sheet delivered with the P&L every month, not just at year end
- Loan balances tied to lender statements
Year end
- Year-end package: full-year P&L and balance sheet, general ledger, trial balance, loan balances tied to lender statements
- A call with your CPA if they want one
Not on this plan
- Bill pay or invoicing; move to Growth when you need them
- Monthly cash flow statement; on Growth and Portfolio
Growth
- Everything in Essentials
- Bills entered, scheduled and paid on your approval
- Invoices sent and followed up
- Cash flow statement every month
- Quarterly financial review call
- 1 advisory hour a month included
Built for
Businesses with vendors to pay and customers to bill. Up to 5 accounts, 300 transactions a month, 30 bills paid and 30 invoices sent a month, one entity. Typically $500K to $1.5M in revenue.
Every month, on top of Essentials
- Vendor bills entered, coded and scheduled, up to 30 a month; you approve, payment runs from your own accounts
- Customer invoices prepared and sent on your schedule, up to 30 a month, late invoices followed up
- Weekly AP and AR aging so you always know who you owe and who owes you
- Cash flow statement with every close
- Payroll runs from Gusto mapped into the books, payroll liabilities reconciled
- Contractor payment records for your CPA's 1099s
- Sales tax collected tracked as a liability, ready for your filer
Every quarter
- A financial review call: what the numbers say, what to watch next quarter
- Budget versus actual if you keep a budget; we will help you build one if not
- 1 advisory hour a month for bookkeeping and business-finance questions, never tax advice
Good to know
- Payroll administration in your Gusto account is an add-on from $29 a month plus $4 per employee, on top of your Gusto subscription
- Approval thresholds for bill pay are set in your proposal; nothing is paid without your sign-off
Portfolio
- Everything in Growth
- Separate books per entity, 2 included
- Consolidated reporting across entities
- Lender and investor report packages
- Quarterly financial review
- 3 advisory hours a month included
Built for
Owners with two or more entities, holding companies, or rental portfolios up to 30 doors. Two entities and 600 transactions a month combined are included; each additional entity is $249 a month.
Every month, on top of Growth
- A separate set of books for each entity, each closed by the 10th
- Intercompany transfers and shared costs kept clean and documented
- A consolidated P&L and balance sheet across the group
- Lender and investor packages: statements, covenant figures, schedules, on their template if they have one
- Fixed asset records and loan amortization maintained
- 3 advisory hours a month for bookkeeping and business-finance questions, never tax advice
Every quarter and year end
- A financial review: cash position, upcoming obligations, what to expect at year end
- Year-end package per entity and consolidated, for your CPA
Good to know
- Catch-up on existing books is quoted separately, from $150 per month behind
- Still month to month, 30 days notice, same as every other plan
No setup fee on any plan. Billed on the 1st, due on the 3rd. Month to month, 30 days written notice. Fit is re-checked each quarter; if your books grow past a cap, the new rate is quoted in writing before billing changes.
Compare plans
Each plan includes everything in the one before it. The starting price covers the caps in the first rows. Payroll is an add-on to any plan and runs in your own Gusto account.
| Included | Solo$199 / mo | Essentials$249 / mo | RecommendedGrowth$599 / mo | Portfolio$999 / mo |
|---|---|---|---|---|
| Accounts reconciled | 1 bank, 1 card | 3 | 5 | Per entity |
| Transactions a month | 75 | 150 | 300 | 600 combined |
| Entities | 1 | 1 | 1 | 2, then $249 / mo each |
| Typical revenue | Under $250K | Under $500K | $500K to $1.5M | Multiple entities |
| Transactions categorized, accounts reconciled | Yes | Yes | Yes | Yes |
| P&L delivered by the 10th | Yes | Yes | Yes | Yes |
| Financial Cents portal, quick questions | Yes | Yes | Yes | Yes |
| Year-end package for your CPA | Yes | Yes | Yes | Yes |
| Balance sheet every month | No | Yes | Yes | Yes |
| Cash flow statement every month | No | No | Yes | Yes |
| Bills paid on approval, invoices sent | No | No | 30 and 30 a month | 30 and 30 a month |
| Quarterly financial review | No | No | Yes | Yes |
| Contractor payment records for your CPA's 1099s | No | No | Yes | Yes |
| Separate books per entity, consolidated | No | No | No | Yes |
| Lender and investor report packages | No | No | No | Yes |
| Advisory hours included a month | Quick questions | Quick questions | 1 hour | 3 hours |
| Payroll in your Gusto account | Add-on | Add-on | Add-on | Add-on |
| Catch-up and clean-up | Quoted | Quoted | Quoted | Quoted |
Add-ons and one-time services
Onboarding is included with every monthly plan at no charge. Select a service for the full details.
Billing terms
These terms apply to every plan and are included in your written proposal.
Billed the 1st, due the 3rd
One flat monthly invoice for the rate in your proposal. Fees exclude applicable sales taxes and third-party software subscriptions, which are billed to you by QuickBooks, Xero or Gusto.
Month to month
Every plan, including Portfolio, can be ended by either side with 30 days written notice. There is no annual contract, no minimum term and no early exit fee.
No setup fee
Onboarding is included in every monthly plan. If the books are behind, catch-up is quoted in writing before the first close.
A rate that holds
"From" prices cover the caps listed for each plan. We re-check fit each quarter; if your books grow past a cap, we quote the new rate in writing before billing changes. Rates may change with 30 days notice.
Flat-fee projects
Catch-up, clean-up and standalone software setup are one-time, fixed-fee, and carry no ongoing commitment.
Access you control
Software access is granted at a user level you choose and is revoked on the last day of service. Your file is always yours.
Pricing questions
More on How we work.
Two businesses on the same plan can have very different months: one bank account or six, forty transactions or four hundred. The starting price covers the accounts, transactions and entities listed under the plan. After the free call we know your volume and send a written rate that stays fixed until your books grow past a cap, and even then the new rate is quoted in writing before anything changes.
Solo suits a business running on one bank account and one card with no employees. Essentials adds accounts and a monthly balance sheet. Growth fits businesses with bills to pay, invoices to chase and a team. Portfolio is for more than one entity or books that need lender and investor reporting. If you are between two, we will recommend the lower one and tell you what would change our mind.
Neither. Onboarding is included in every monthly plan, and every plan runs month to month with 30 days written notice. Catch-up projects and standalone software setups are one-time flat fees with no ongoing commitment.
From $150 for each month the books are behind, with a $450 minimum. We look at the file first, then give a fixed written quote before any work starts, with half due up front. The fee does not change if the work turns out to be messier than expected.
Not for quick ones. Questions about your books that take under 15 minutes, Monday to Friday 8am to 6pm ET, are part of every plan and answered within 30 minutes. Scheduled advisory sessions, for reading your reports, cash flow, budgeting or software, are $65 an hour in 30 minute blocks; Growth includes 1 hour a month and Portfolio 3. Advisory is never tax advice; tax questions go to your CPA.
No. JMH does no tax work of any kind. Every plan ends the year with a package for your own CPA: full-year P&L and balance sheet, general ledger, trial balance, fixed asset records and loan balances. If you do not have a CPA, we can point you to one.
Request a proposal
A few lines about your business is enough to start. We reply within 30 minutes in business hours, then a free 30 minute call, then a written proposal with your exact rate.