Pricing

One accountable team. A monthly fee scoped to your ledger.

Accruna is an accounting engagement, not a software licence. There is no per-seat charge and no published rate card, because the work depends on your transaction volume, entity structure and how much human review you want on top of the agents. We scope it, quote it monthly, and show you exactly what drives the number.

Every plan includes AI agents, named accountant oversight and the same security controls.

What every engagement includes

  • Continuous coding and daily reconciliation
  • Named engagement accountant and manager
  • Monthly statements and a close report
  • Exception review with recorded decisions
  • Full audit trail and workpaper retention
  • Role-based access and approval controls

Engagement tiers

Three tiers, priced against scope.

Tiers describe the depth of the engagement, not a feature gate. Agents and accountant oversight are present in all three — what changes is volume, entity count and how much review sits on top.

Foundation

Custom monthly plan

For early-stage companies that need reliable books and clean reports without hiring a bookkeeper.

Quoted per engagement

Scoped against transaction volume and entity count.

Included

  • Continuous transaction coding
  • Daily bank and card reconciliation
  • Expense capture and policy checks
  • Monthly statements and close report
  • One entity, one reporting currency
  • Email support, next-working-day response

Typical fit: pre-Series A, a single entity, and monthly volume that a person could technically still handle.

Scale

Custom monthly plan

For high-growth and multi-entity groups with consolidation, audit and reporting obligations that cannot slip.

Quoted per engagement

Scoped against consolidation, controls and reporting scope.

Everything in Growth, plus

  • Multi-entity, multi-currency consolidation
  • Intercompany matching and elimination
  • Dedicated accounting manager and review cadence
  • Audit workpaper packs and revenue recognition review
  • Custom approval chains, delegation and reporting design
  • Lender, board and diligence pack support
  • Agreed service levels with named escalation

Typical fit: four or more entities, external audit, and a controller or CFO on your side to review.

No per-seat pricing, deliberately. Almost every software cost model in finance charges by user, which penalises giving your team visibility. Accruna charges for the work, not the number of people who need to look at it.

Quote drivers

What actually changes the number.

Six variables explain almost all of the difference between one engagement and another. You will see them itemised in your quote rather than bundled.

Transaction volume

The dominant factor. Agents scale cheaply per line, but volume drives reconciliation complexity, sub-ledger size and the number of exceptions that need review.

Measured as lines ingested per month across all accounts.

Entity structure

Each additional entity adds its own reconciliation, intercompany matching and close tasks. Consolidation adds currency translation and elimination work on top.

Entities and reporting currencies both count.

Review depth

How much human review sits over the agents. Reviewing everything costs more than reviewing exceptions — but it is a legitimate choice early in an engagement.

Adjustable at any time, in either direction.

Reporting requirements

Investor packs, board reporting, lender covenants and diligence support add scheduled deliverables beyond the standard monthly statements.

Standard statements are included in every tier.

Complexity of your model

Subscription revenue, inventory costing, multi-element contracts, client funds and R&D capitalisation all require policy work and specialised schedules.

Assessed during discovery, not estimated on a call.

Starting position

Clean, documented books start faster. Significant cleanup, unreconciled history or multiple years of unloaded data is a defined remediation scope.

Remediation is quoted separately, not hidden in the monthly fee.

How to estimate roughly, before you talk to us

Gather these five numbers and the scoping conversation becomes a twenty-minute exercise instead of a two-week discovery.

  • Transactions per month — bank lines plus card lines, from a recent statement
  • Number of entities and which currencies they report in
  • Number of bank and card accounts that need reconciling
  • Revenue model — simple invoicing, subscriptions, milestones, usage, or a mix
  • Reporting obligations — investor pack, board pack, lender covenants, audit

What is not charged for

  • Additional users on your side, at any level
  • Auditor access during your audit
  • Ad-hoc questions about your own numbers
  • Rule and threshold changes as your business evolves
  • Exporting your data, at any point, in full
  • Onboarding the systems in our standard connector set

Plan comparison

Line by line, what each tier includes.

If a capability you need is not in your tier, we will tell you what it takes to add it rather than moving you up a tier for one line.

Feature comparison across Foundation, Growth and Scale engagements
Capability Foundation Growth Scale
Accounting core
Continuous transaction codingIncludedIncludedIncluded
Daily bank and card reconciliationIncludedIncludedIncluded
Sub-ledger tie-outs (AR, AP, payroll)AR and APAll sub-ledgersAll sub-ledgers
Revenue recognition schedulesSimple invoicingSubscriptions and milestonesComplex and multi-element
Accruals, prepayments, depreciationIncludedIncludedIncluded
Inventory or COGS accountingAvailableAvailable
Cash, spend and revenue
Expense capture and policy engineBasic policy checksFull policy engineFull policy engine
Approval workflows and thresholdsSingle approverMulti-levelCustom chains and delegation
Invoicing and AR ageingIncludedIncluded
Approved reminder sequencesIncludedIncluded
AP workflow and payment batchingIncludedIncluded
Close and reporting
Month-end close checklistIncludedIncludedIncluded
P&L, balance sheet, cash positionMonthlyMonthly, comparativeMonthly, consolidated
Budget versus actual with narrativeIncludedIncluded
Reporting by class, project or channelSingle dimensionFull dimensionalFull dimensional
Audit workpaper packOn requestOn requestStandard, retained
Board, lender or diligence packsAvailableAvailable
Structure and governance
Entities includedOneUp to threeFour or more
Multi-currencyTransaction levelFull consolidation
Intercompany matching and eliminationAvailableStandard
Role-based access and audit trailIncludedIncludedIncluded
Named accounting managerSharedDedicatedDedicated, with review cadence
Service levels and escalation routeStandardStandardAgreed and documented

This table describes the shape of each tier. Final inclusions are confirmed in your engagement letter, because scope is agreed in writing rather than inferred from a marketing page.

Buying guide

How to decide, and how to compare us fairly.

Accounting engagements are hard to compare on price alone, because the scope behind a number is usually invisible until the work begins.

Questions worth asking anyone

Of us, and of any other firm

  • Who specifically is accountable for the output, by name?
  • What happens when a reconciliation does not balance?
  • How is the ledger maintained between month-ends, if at all?
  • What is the turnaround on a question about our own numbers?
  • What does onboarding actually require from our team, in hours?
  • What is excluded from the fee, and what triggers a change in scope?
  • What happens to the work if we leave?

Signals of a mismatch

When to walk away from a quote

  • A fixed price quoted without seeing your transaction volume
  • No named person accountable for the work
  • Unlimited scope with no defined exclusions — it will degrade quietly
  • Pricing per user, when the goal is fewer people doing manual work
  • No clear answer on what happens to the ledger at period end
  • A close date promised without asking about your dependencies
Cost model comparison
Cost model How it scales Where it breaks down
Hourly bookkeepingLinear with volume and complexityPenalises asking questions; incentives favour slow processing
Per-seat softwareLinear with usersYou still have to do the work yourself
Fixed monthly fee, unspecified scopeFlat until it is notQuality quietly degrades at period end when volume spikes
In-house hireStep function at each hireCapacity arrives in large increments, with recruitment lag
Scoped monthly engagementSteps with entities and reporting; volume absorbed by agentsRequires an honest volume figure up front

Enterprise and complex groups

When the structure needs custom scoping.

Some organisations need more than a tier: five or more entities, several reporting currencies, external audit, lender covenants and a board that expects a pack on a fixed date.

Structure

Multi-entity consolidation, intercompany policy, transfer pricing documentation support and entity-specific close calendars.

Controls

Custom approval chains, delegation with expiry, dual authorisation and a documented control matrix for your auditors.

Reporting

Covenant reporting, segment reporting, board packs on a fixed date and diligence support on a defined timeline.

Assurance

Audit request management, workpaper retention and read-only auditor access scoped to the engagement period.

Enterprise scoping session

What we cover in 45 minutes

  • Entity structure and consolidation requirements
  • Volume profile per entity and per account
  • Revenue models and any policy complexity
  • Reporting obligations and their fixed dates
  • Audit and assurance requirements
  • Security, access and residency constraints
  • Migration scope and current-state remediation

Bring your entity list and a recent consolidated trial balance if you have one. We will come back with a written scope, a monthly figure and an onboarding timeline.

Pricing questions

Questions about cost and contracting.

Including the ones where the answer is "it depends, and here is what it depends on".

Because the work varies by an order of magnitude between two companies of similar size. A business processing four hundred transactions a month and one processing forty thousand both need "bookkeeping" — but they are not the same engagement, and a flat price would either overcharge one or under-serve the other.

What we will always do is show you how your number was built: volume, entities, currencies, reporting scope and review depth, itemised. If a line looks wrong, you can challenge it before signing.

Onboarding involves real work — mapping, agreed opening balances, a parallel period and configuration — so there is a one-time onboarding scope, quoted upfront rather than buried in the monthly fee. Larger or messier starting positions include a defined remediation scope.

Minimum terms are confirmed in the engagement letter. We would rather agree a sensible initial period than have a client leave after six weeks because the precedent set had not yet had time to build.

Statutory tax filing and licensed audit work sit outside the core engagement, because both require separate licensing and separate liability. We prepare the schedules and workpapers they depend on.

Additional entities, multi-year historical migrations and one-off projects — a diligence pack, a systems migration, a retrospective cleanup — are quoted as their own scopes. You will never receive an invoice for something that was not agreed beforehand.

Volume growth is absorbed within a range before the fee changes, because agents handle additional lines at near-zero marginal cost. We monitor your volume and will raise a change before it affects service, not after.

If volume falls — a product line is discontinued, or an entity is closed — the fee comes down at the next review. Adjustments are not one-directional.

Yes. Review depth is a configurable scope, and many clients start with review on everything and reduce it as the precedent set proves itself. That is the intended progression, not a downgrade.

What we will not do is reduce review below the level required to meet the standard we sign off to. If a lower-cost configuration would compromise the quality of the output, we will decline it rather than quietly do less.

A controller handles judgment, process design and controls — work that a well-run engagement should not eliminate. Where Accruna competes is against hiring for the transactional layer beneath that role.

In practice, most clients who have a controller keep them and use Accruna to remove the preparation work underneath. Where there is no finance hire, Accruna covers the transactional layer while the founder or operator retains approvals and decisions.

Your ledger and history remain in your own systems throughout, so leaving is a question of access rather than data extraction. We complete the period in progress, hand over workpapers, revoke credentials and confirm both in writing.

There is no exit fee and no withholding of your own accounting records. The engagement letter states the notice period, and it is deliberately short.

Get a number you can interrogate.

Send a recent trial balance and one bank statement. In one conversation we can usually give you a scoped monthly figure, the drivers behind it, and a realistic onboarding window.