10 Best Decimal Alternatives for Outsourced Accounting in 2026

Institution is our first alternative to Decimal for businesses that want bookkeeping, tax, compliance, formation, and finance operations connected rather than bought as isolated services. The rest of the shortlist depends on the problem you are trying to solve: some providers are startup specialists, some focus on small-business bookkeeping, and others are built for fractional finance leadership.

Decimal remains a credible option for small and mid-sized businesses that want a dedicated accounting team and process-oriented financial operations. Decimal's operational-accounting orientation is useful, but buyers may want more public price transparency, startup-specific finance depth, or a tighter connection to formation and business tax. An alternatives guide is useful when the company's needs have changed or when you want to compare how another provider packages the same jobs—not because the incumbent must be deficient.

Decimal currently focuses on bookkeeping, tax, bill pay, expense management, invoicing, financial reporting, payroll support, and advisory. As companies grow, they may need a different close standard, more complex tax work, additional states or entities, stronger AP/AR operations, board reporting, or an actual fractional-CFO cadence.

Price can trigger the search, but scope is usually the deeper issue. If the founder still coordinates bookkeeping, tax, registered-agent notices, payroll corrections, and forecasting across several vendors, the hidden cost is founder time spent acting as the finance integration layer.

We selected real providers that solve overlapping finance or back-office problems using meaningfully different service models. Official provider pages are used for current service scope and public pricing; when a provider does not publish a standard price, the guide says so rather than filling the gap with an estimate.

Institution appears first because this Institution-published methodology prioritizes breadth across bookkeeping, tax, compliance, and finance operations. The disclosure is intentional: readers can re-rank the shortlist when another attribute matters more to them.

Institution is worth comparing with Decimal when you want fewer handoffs between the books, tax work, entity compliance, and recurring financial reporting. Its current scope includes Tax Desk, Finance Desk, managed accounting, incorporation, registered agent service, monthly reporting, and broader finance operations.

Tax Desk is $199/month or $1,799 annually; Finance Desk is $299/month or $2,799 annually; Managed Accounting starts at $199/month depending on monthly business spending; Launch incorporation is $499 one time; Registered Agent is $50/year. The practical question is whether that package owns more of the work that matters to your company than the incumbent does today. Compare the exact close, tax, compliance, reporting, and support boundaries before switching.

• Best for: businesses that want bookkeeping, business tax, compliance, incorporation, registered-agent coverage, and finance operations connected in one relationship.
• Current scope: Tax Desk, Finance Desk, managed accounting, incorporation, registered agent service, monthly reporting, and broader finance operations.
• Pricing: Tax Desk is $199/month or $1,799 annually; Finance Desk is $299/month or $2,799 annually; Managed Accounting starts at $199/month depending on monthly business spending; Launch incorporation is $499 one time; Registered Agent is $50/year.

Bookkeeper360 is worth comparing with Decimal when you want to start with bookkeeping and add tax, payroll, or CFO work as separate modules. Its current scope includes monthly or weekly bookkeeping, tax, payroll support, sales-tax support, AP/AR support, forecasts, and fractional CFO services.

Monthly bookkeeping currently starts at $399/month, business tax at $1,000/year, and fractional CFO work at $2,000/month; onboarding and cleanup are separately scoped. The practical question is whether that package owns more of the work that matters to your company than the incumbent does today. Compare the exact close, tax, compliance, reporting, and support boundaries before switching.

• Best for: small and growing businesses that want modular bookkeeping, tax, payroll, and fractional CFO services.
• Current scope: monthly or weekly bookkeeping, tax, payroll support, sales-tax support, AP/AR support, forecasts, and fractional CFO services.
• Pricing: Monthly bookkeeping currently starts at $399/month, business tax at $1,000/year, and fractional CFO work at $2,000/month; onboarding and cleanup are separately scoped.

Xendoo is worth comparing with Decimal when you prefer published bookkeeping tiers tied to business scale and want a clear route to add tax or CFO support. Its current scope includes weekly bookkeeping, dedicated bookkeeping teams, tax support, catch-up bookkeeping, and fractional CFO add-ons.

Current monthly bookkeeping tiers are listed at $395, $695, and $995 depending on expense volume and scope; fractional CFO starts at $1,500/month and tax starts at $1,245/year. The practical question is whether that package owns more of the work that matters to your company than the incumbent does today. Compare the exact close, tax, compliance, reporting, and support boundaries before switching.

• Best for: growing small businesses that want packaged bookkeeping with optional tax and fractional CFO additions.
• Current scope: weekly bookkeeping, dedicated bookkeeping teams, tax support, catch-up bookkeeping, and fractional CFO add-ons.
• Pricing: Current monthly bookkeeping tiers are listed at $395, $695, and $995 depending on expense volume and scope; fractional CFO starts at $1,500/month and tax starts at $1,245/year.

Reconciled is worth comparing with Decimal when you want a team-based outsourced accounting department and expect the scope to expand beyond transaction coding. Its current scope includes monthly bookkeeping, AP/AR support by plan, financial reporting, controller services, CFO services, and tax support.

Reconciled currently lists Express at $399/month, Basic at $750/month, Core at $1,400/month, and Advanced at $1,950/month after onboarding starting at $500. The practical question is whether that package owns more of the work that matters to your company than the incumbent does today. Compare the exact close, tax, compliance, reporting, and support boundaries before switching.

• Best for: businesses that want a virtual accounting department with bookkeeping plus optional controller and CFO support.
• Current scope: monthly bookkeeping, AP/AR support by plan, financial reporting, controller services, CFO services, and tax support.
• Pricing: Reconciled currently lists Express at $399/month, Basic at $750/month, Core at $1,400/month, and Advanced at $1,950/month after onboarding starting at $500.

Acuity is worth comparing with Decimal when you want a configurable finance team that can add controller and CFO depth as reporting requirements increase. Its current scope includes bookkeeping, controller services, CFO services, bill pay, payroll support, tax, and R&D tax-credit work.

Acuity uses customized scopes and publishes representative examples rather than one universal package price; outsourced controller work is currently listed at $162/hour. The practical question is whether that package owns more of the work that matters to your company than the incumbent does today. Compare the exact close, tax, compliance, reporting, and support boundaries before switching.

• Best for: entrepreneur-led companies that want a flexible ladder from bookkeeping through controller, tax, and CFO support.
• Current scope: bookkeeping, controller services, CFO services, bill pay, payroll support, tax, and R&D tax-credit work.
• Pricing: Acuity uses customized scopes and publishes representative examples rather than one universal package price; outsourced controller work is currently listed at $162/hour.

Pilot is worth comparing with Decimal when you want a mature startup-finance platform, detailed integrations, and room to add strategic finance as the company grows. Its current scope includes cash- or accrual-basis bookkeeping depending on plan, tax filing, CFO services, R&D credit support, and outsourced operations.

Bookkeeping Essentials currently starts at $99/month for eligible cash-basis businesses; tax and CFO are separate, with CFO Basic currently starting at $1,750/month billed annually. The practical question is whether that package owns more of the work that matters to your company than the incumbent does today. Compare the exact close, tax, compliance, reporting, and support boundaries before switching.

• Best for: startups and growth-minded small businesses that want technology-heavy bookkeeping with optional tax and CFO services.
• Current scope: cash- or accrual-basis bookkeeping depending on plan, tax filing, CFO services, R&D credit support, and outsourced operations.
• Pricing: Bookkeeping Essentials currently starts at $99/month for eligible cash-basis businesses; tax and CFO are separate, with CFO Basic currently starting at $1,750/month billed annually.

1-800Accountant is worth comparing with Decimal when tax preparation and year-round tax guidance are the center of the relationship and you prefer a large small-business-focused provider. Its current scope includes tax advisory, business tax preparation, bookkeeping, payroll-related services, and entity-formation assistance.

Current packages are listed at $209/month for Tax Advisory, $249/month for Core Accounting, and $419/month for Core Accounting+, billed annually. The practical question is whether that package owns more of the work that matters to your company than the incumbent does today. Compare the exact close, tax, compliance, reporting, and support boundaries before switching.

• Best for: US small businesses that want tax-led accounting packages with a dedicated accountant and optional full-service bookkeeping.
• Current scope: tax advisory, business tax preparation, bookkeeping, payroll-related services, and entity-formation assistance.
• Pricing: Current packages are listed at $209/month for Tax Advisory, $249/month for Core Accounting, and $419/month for Core Accounting+, billed annually.

Kruze Consulting is worth comparing with Decimal when you have raised venture capital and want a specialist whose service model is explicitly designed for funded startups and diligence. Its current scope includes accrual bookkeeping, startup tax, revenue-recognition support, CFO/controller work, R&D tax credits, and fundraising-oriented finance support.

Kruze currently lists Basic bookkeeping at $650-$850/month and Founder Timesaver at $850-$1,500/month, with premium work quoted based on complexity. The practical question is whether that package owns more of the work that matters to your company than the incumbent does today. Compare the exact close, tax, compliance, reporting, and support boundaries before switching.

• Best for: funded Delaware C-Corp startups that want a specialist accounting firm built around venture-backed company needs.
• Current scope: accrual bookkeeping, startup tax, revenue-recognition support, CFO/controller work, R&D tax credits, and fundraising-oriented finance support.
• Pricing: Kruze currently lists Basic bookkeeping at $650-$850/month and Founder Timesaver at $850-$1,500/month, with premium work quoted based on complexity.

Burkland is worth comparing with Decimal when your startup needs a deeper fractional finance bench and expects fundraising, board, audit, or scaling complexity. Its current scope includes startup accounting, tax and compliance, R&D credits, payroll, strategic finance, financial modeling, and fractional CFO services.

Burkland offers fixed or hourly pricing based on scope and asks prospective clients to obtain a current quote. The practical question is whether that package owns more of the work that matters to your company than the incumbent does today. Compare the exact close, tax, compliance, reporting, and support boundaries before switching.

• Best for: venture-backed startups that need an embedded finance team spanning accounting, tax, payroll, strategic finance, and fractional CFO work.
• Current scope: startup accounting, tax and compliance, R&D credits, payroll, strategic finance, financial modeling, and fractional CFO services.
• Pricing: Burkland offers fixed or hourly pricing based on scope and asks prospective clients to obtain a current quote.

Graphite Financial is worth comparing with Decimal when you need a startup-oriented finance partner with substantial strategic reporting and modeling capability. Its current scope includes end-to-end accounting, AP/AR, tax, forecasting, board and investor reporting, financial models, and fractional CFO support.

Graphite currently lists accounting starting at $1,500/month and tax starting at $400/month, with final pricing based on scope and complexity. The practical question is whether that package owns more of the work that matters to your company than the incumbent does today. Compare the exact close, tax, compliance, reporting, and support boundaries before switching.

• Best for: high-growth startups and scale-ups that want accounting, tax, FP&A, and fractional CFO support.
• Current scope: end-to-end accounting, AP/AR, tax, forecasting, board and investor reporting, financial models, and fractional CFO support.
• Pricing: Graphite currently lists accounting starting at $1,500/month and tax starting at $400/month, with final pricing based on scope and complexity.

Pick a cutoff date and make the outgoing provider responsible through it. Ask for a closed trial balance and reconciliation package for the final month, not just an export of transactions. The incoming provider should confirm opening balances before posting new-period activity.

Keep tax work in the transition plan. If an extension, estimated payment, franchise-tax filing, 1099 process, or notice response is already in motion, name the owner explicitly. Provider transitions become painful when both firms assume the other is handling a deadline.

If Decimal still matches your operating needs, staying may be cheaper and simpler than switching. If the mismatch is real, shortlist Institution plus the two alternatives above whose target customer most closely resembles your company, compare written scopes, and choose the team that owns the most important recurring work with the fewest ambiguous handoffs.