The answer
2 years behind on bookkeeping
Two years behind is two complete tax years with no closed books. It is also the point at which most owners stop looking for a bookkeeper and start avoiding the subject, because every quote they get back starts with a call and ends in four figures.
The honest market number is $3,500 to $10,000 or more, over three to eight weeks. Titan's public price for up to 24 months is $1,899 — $79.13 per month closed, our lowest per-month rate — and the first month is closed and tied out free, so the first thing you judge us on is a month of your own books rather than a proposal.
two years behind, priced
- A bookkeeper or firm would quote$3,500 – $10,000+
- Titan, up to 24 months behind$1,899
- Per month closed and tied out$79.13
- Your first month, closed and tied out$0
- Turnaround, statements to closed booksHours
No account, no card, no bank connection. Change the numbers.
01 / Market rates
What a firm charges to close two years behind.
The going US rates for a cleanup engagement starting from bank and card statements, for a business doing roughly 50 to 300 transactions a month. Quoted after a discovery call, in every case.
How far behind
Typical quote
Timeline
1 to 3 months behind
$300 – $500
3 – 8 weeks
1 to 3 months behind
4 to 6 months behind
$500 – $1,500
3 – 8 weeks
4 to 6 months behind
Twelve months behind
$1,500 – $3,500
3 – 8 weeks
Twelve months behind
Two years or more
$3,500 – $10,000+
3 – 8 weeks
Two years or more
At 24 months your quote comes from the row marked Two years or more: $3,500 – $10,000+. Extra accounts add 20 to 40%, and image-only scanned statements are the single most expensive input in cleanup.
02 / The size of the job
What two years actually is.
- Statements to read
- 24 per account — 24 to 72 documents is normal at this distance
- Transactions
- 1,200 at 50 a month, 4,800 at 200 a month, 12,000 at 500
- Reconciliations
- 24 per account, in order, each tied to the printed ending balance
- Reports it produces
- Twenty-four monthly P&Ls, two annual P&Ls, two year-end balance sheets, two cash flow statements, the full ledger, a preparer handoff per year
- By hand
- 150 to 250 hours. Nobody finishes this in evenings.
At 200 transactions a month, 24 months is roughly 4,800 lines to read, categorize and reconcile.
03 / What it is costing you
What two years behind is really costing.
Two years is where the cost of not having books exceeds the cost of building them, in cash rather than in principle.
Penalties that compound
Failure-to-file and failure-to-pay penalties accrue monthly against an unfiled return, with interest on top. A closed set of books is the only way to find out what is actually owed — which is frequently less than the owner feared.
Compliance beyond tax
States dissolve entities administratively for missed annual reports, and reinstatement costs money and time. Sales tax and payroll filings have their own calendars and their own penalties.
Credit and capital, closed off
No lender, SBA-backed or otherwise, underwrites without two years of financial statements. That is the exact window you are missing.
Bench's leftovers
Businesses stranded by Bench's shutdown in December 2024 are frequently at exactly this distance, holding an export that is data rather than closed books. Send the statements; we rebuild from the source documents, not from someone else's unfinished file.
Titan is not an accounting firm and does not give tax advice. The dates above are the ordinary federal calendar; your own filing obligations depend on your entity and your state, and a licensed CPA or preparer should review and sign the return.
04 / Titan's price
Public, fixed, and payable on this page.
Two years behind is covered by Catch-Up 24 at $1,899. Nothing is quoted, and the only thing that can move it is volume above 500 transactions a month, which is a published tier named before you pay.
That is $1,601 – $8,101+ less than a firm quotes for the same 24 months, delivered in hours rather than three to eight weeks.
Close one month free before you buy anything. Drop one statement and read the closed month, tied out to the ending balance your bank printed.
05 / A different distance
How far behind are you, really?
3 months behind on bookkeeping
$499Firms quote $300 – $500.
6 months behind on bookkeeping
$499Firms quote $500 – $1,500.
8 months behind on bookkeeping
$999Firms quote $1,500 – $3,500.
12 months behind on bookkeeping
$999Firms quote $1,500 – $3,500.
18 months behind on bookkeeping
$1,899Firms quote $3,500 – $10,000+.
Any number of months up to 36, with your own transaction volume, on the instant estimate.
06 / Questions
What owners at two years behind ask.
- How much does 2 years of catch-up bookkeeping cost?
- Bookkeepers and firms quote $3,500 to $10,000 or more for two years of cleanup from bank and card statements, after a discovery call, over three to eight weeks. Titan's public price for up to 24 months is $1,899 — $79.13 per month closed — payable on the page. Your first month is closed free before you decide.
- How can you be that much cheaper than a firm?
- Because the work is priced like software rather than like labour. Reading a statement, categorizing every line and reconciling to the printed ending balance is machine work; the human judgement left over is a short flag list you clear yourself in one sitting. We do not run discovery calls, write proposals or bill by the hour, and we pass that through as a published price instead of a discount you have to ask for.
- What if I am more than two years behind?
- Send everything. Catch-Up 24 covers the first twenty-four months and we price the remainder from the same public table — up to 6 more months at $499, up to 12 at $999 — before you pay, never after. The instant estimate will show you both lines for any number of months up to 36.
- Will you tell my accountant, or anyone, that a human did this?
- No. We never claim a licensed accountant signed off on your books, because none did. What we claim is that every figure traces to a source line on your own statement, every month ties out to the balance your bank printed, and every uncertain line is labelled. A CPA should review and sign the return; this is what you hand them.
Start with one month, closed free.
One statement, one closed month, tied out to the figure your bank printed. No call, no card, no bank connection.
Read next
Instant cleanup cost estimate
Two sliders: what a firm would quote you, the fixed public price for the same months, and the per-month rate on both.
Eight months behind on bookkeeping
One page per distance behind — three months to two years — with the size of the job, the deadline and the package that covers it.
What catch-up bookkeeping costs
Real market rates for cleanup, what moves the number, and the three options priced side by side.
Bench shut down — what now
The shutdown in dates, what your export is actually worth, and how to rebuild the years behind you.
Reconstruct books from bank statements
The eight-step method, the tie-out that proves a month is finished, and the five errors that cost the most time.
Bookkeeping cleanup for contractors
A contractor chart of accounts, the six statement lines that get miscategorized, and what a trade shop gets quoted.
Shopify seller, behind on books
One payout taken apart, why the deposit is not your revenue, and the chart of accounts an online seller needs.
Catch-up bookkeeping in California
The CDTFA and FTB calendar, the $800 annual tax, and the LLC fee tier only a closed year can answer.
Catch-up bookkeeping in Texas
The May 15 franchise report, the no-tax-due threshold, and a year of deposits taken apart.
Catch-up bookkeeping in Florida
The May 1 Sunbiz report, the $400 late fee nobody can waive, and the sales tax band your ledger picks.
Catch-up bookkeeping in New York
The LLC fee ladder keyed to gross income, the March 15 date with no extension, and the city layer on top.