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Bookkeeper

Records an organization's income and costs, reconciles accounts and keeps the financial books accurate.

Average salary
$50,670
Salary range
$36,000 – $74,550
Training time
Some college + training
Job market
Decline
2/10
Work-life balance
Good
7/10

A bookkeeper records an organization's financial transactions and keeps its books complete and accurate. The work means posting income and costs to the right accounts in accounting software, recording cash and checks, reconciling bank statements, handling bills and invoices, and producing reports such as balance sheets and income statements. Many also run payroll and follow up on overdue accounts. In a small business one full-charge bookkeeper often keeps the entire general ledger; larger companies split the work among accounts payable and accounts receivable clerks. Official statistics count bookkeepers under bookkeeping, accounting, and auditing clerks; the figures on this page cover that whole group. The median annual wage is $50,670. Employment is projected to decline 6% over the next decade as software automates routine tasks, but about 144,100 openings are still expected each year.

A workday

A day in the life

What does a workday really look like?

The only bookkeeper at a small company keeps the whole general ledger, handles deposits and payroll, and reports to the owner.

  1. 8:00 AM - 8:30 AM
    Email, voicemail and the day's bills

    Sorts incoming invoices, vendor questions and payment requests, and flags anything due today.

  2. 8:30 AM - 10:00 AM
    Post receipts and bills

    Enters yesterday's sales, receipts and vendor bills, coding each cost and income item to the correct account.

  3. 10:00 AM - 10:45 AM
    Prepare the bank deposit

    Compiles cash and check totals from the front desk, verifies them against receipts and prepares the deposit.

  4. 10:45 AM - 12:00 PM
    Reconcile bank and card accounts

    Matches every bank and credit card line to the books and notes any discrepancy that needs a correction.

  5. 12:00 PM - 12:30 PM
    Lunch

    Break away from the desk.

  6. 12:30 PM - 2:00 PM
    Process payroll

    Checks timesheets, calculates pay and deductions, and runs the payroll before the cutoff.

  7. 2:00 PM - 2:45 PM
    Follow up on overdue invoices

    Calls or emails customers with past-due balances and records promised payment dates.

  8. 2:45 PM - 3:30 PM
    Cash review with the owner

    Walks the owner through cash on hand, upcoming bills and anything unusual in this week's numbers.

  9. 3:30 PM - 4:30 PM
    Filing, phones and correspondence

    Files paperwork, answers account questions and replies to routine letters and emails.

Task breakdown

A bookkeeper at a firm that serves several small clients works a long day to get books ready for year-end and tax filing.

  1. 8:00 AM - 8:15 AM
    Team check-in on deadlines

    Reviews which client files are due to the accountants this week and who is waiting on documents.

  2. 8:15 AM - 10:15 AM
    Catch up client books

    Posts a backlog of transactions from statements and receipts for two clients who sent records late.

  3. 10:15 AM - 11:45 AM
    Visit a client's office

    Collects missing documents, reviews open questions with the client and checks how their records are kept.

  4. 11:45 AM - 12:30 PM
    Travel back and lunch

    Drive back to the firm and a quick lunch.

  5. 12:30 PM - 2:30 PM
    Year-end account reconciliations

    Reconciles bank, loan and credit card accounts for the full year and lists differences for the accountant.

  6. 2:30 PM - 3:30 PM
    Produce year-end financial statements

    Runs the balance sheet, income statement and account totals, and checks them for mathematical accuracy.

  7. 3:30 PM - 4:30 PM
    Answer client questions

    Responds by phone and email to client questions about specific accounts and requests for missing statements.

  8. 4:30 PM - 6:30 PM
    Extra hours on deadline files

    Fixes coding errors and reports larger discrepancies to the senior accountant before the tax deadline.

Salary data

What do you really earn?

Salary by experience, sector and region.

Minimum
$36,000
Average
$50,670
Maximum
$74,550

Salary by region

RegionMinAvg.Max
National$36,000$50,670$74,550
California$41,600$59,230$81,990
Texas$33,480$48,910$72,810
Florida$36,680$49,330$72,260
New York$39,880$58,160$81,990
Illinois$32,360$49,560$71,480

Typical benefits

Regular office hours most of the year
Most bookkeepers work full time in an office, with busier stretches at month-end, year-end and tax time rather than constant overtime.
Quick entry without a degree
College courses in accounting are the typical entry point, and some employers hire with a high school diploma and train on the job.
Needed in every industry
Construction firms, retailers, wholesalers, healthcare providers and accounting firms all employ bookkeepers, so the skills move with you.
Openings despite the decline
About 144,100 openings a year are still projected over the next decade, all from workers who retire or change occupations.
Option to freelance
About 5.6% of workers are self-employed, and bookkeepers can serve several small businesses at once. Freelancers arrange their own health insurance and retirement savings.
A route to accounting
With experience and more education, such as a bachelor's degree, some bookkeepers become accountants or auditors.

Pathways

Education pathways

Which paths lead to this profession?

Other

One course takes a single term; certificates often take 1 year or less; an associate degree takes 2 years full time

College courses in accounting

The typical entry route. Employers generally prefer a high school diploma plus completed college courses in related subjects such as accounting, which community colleges offer as single courses or short certificate programs.

Costs
About $4,150 a year in average published tuition and fees at a public two-year college
Entry requirements
High school diploma or equivalent for most college programs.
High school subjects
Mathematics, business, computer applications, English
On-the-job training

More than 1 month and up to 12 months (moderate-term on-the-job training)

High school diploma plus on-the-job training

Some employers hire candidates with a high school diploma and train them by having them work alongside an experienced clerk. Formal training on the company's accounting software is common.

Costs
Paid by the employer; the trainee earns a wage.
Entry requirements
High school diploma or equivalent; comfort with basic arithmetic and computers.
High school subjects
Training topics: Posting transactions, coding documents, account reconciliation, company accounting software
Certificate

Self-study alongside work; the AIPB Certified Bookkeeper also requires bookkeeping work experience

Bookkeeping certification (AIPB Certified Bookkeeper, Intuit Bookkeeping Certification)

Certification is not usually required, but it can demonstrate competency. The Certified Bookkeeper (CB) from the American Institute of Professional Bookkeepers (AIPB) requires passing a four-part exam, bookkeeping work experience and signing a code of ethics. The Intuit Bookkeeping Certification, which some community colleges teach, is another option. CareerOneStop lists others.

Entry requirements
AIPB CB: bookkeeping work experience, as set by AIPB. Intuit Bookkeeping Certification: requirements set by Intuit.
High school subjects
Exam topics: Adjusting entries, correcting errors, payroll, depreciation, inventory, internal controls, bookkeeping software
Bachelor's degree

4 years full time

Bachelor's degree in accounting or business

Not needed to work as a bookkeeper, but some candidates earn one, and it is the typical entry requirement for accountants and auditors, the most common step up.

Costs
About $11,950 a year in average published tuition and fees for in-state students at a public four-year college, or $45,000 at a private nonprofit four-year college
Entry requirements
High school diploma or equivalent and admission to a college or university.
High school subjects
Mathematics, English, economics, business, computer science

Profile

Skills & personality

Is this a good fit for you?

Hard skills

  • Double-entry bookkeepingPosting debits and credits to the right accounts in the general ledger and keeping it in balance.
  • Account reconciliationMatching bank, card and ledger records, then correcting small errors or reporting larger discrepancies.
  • Accounting software and spreadsheetsWorking quickly in bookkeeping software, spreadsheets and databases; expense tools such as SAP Concur are common in larger firms.
  • Accounts payable and receivableProcessing vendor bills, preparing invoices, applying payments and tracking overdue accounts.
  • Payroll processingCalculating pay, deductions and withholdings accurately and on schedule.
  • Financial reportingProducing balance sheets, income statements, profit and loss reports and totals by account for managers.

Soft skills

  • Active listeningUnderstanding exactly what a manager, vendor or client is asking about an account before answering.
  • Critical thinkingSpotting entries that do not make sense and working out where a discrepancy came from.
  • Clear writing and speakingExplaining account issues to non-accountants by phone, email and in person.

Is this a good fit for you?

  • ✓
    Attention to detailOne transposed digit throws off a reconciliation, so the job rewards people who check their own work.
  • ✓
    IntegrityBookkeepers control financial records and sometimes cash, and must keep them confidential, transparent and properly used.
  • ✓
    CautiousnessCareful, deliberate work matters more than speed when posting entries that others rely on.
  • ✓
    DependabilityPayroll, deposits and bill payments run on fixed dates, so others count on the work being done on time.
  • ✓
    Tolerance for routineMuch of the work repeats daily and monthly; people who like steady, structured tasks do well.

Market

Job market & outlook

What does the market look like?

Openings per year
144,100
Trend
Declining
Growth
-5.6%
AI impact
8/10
Software already handles much of the data entry, coding and calculation in this job, and AI tools extend that to matching transactions and drafting reports. The work that holds up is reviewing the books, resolving discrepancies and advising owners on what the numbers mean.

Regional demand

California
About 151,870 jobs; median pay $59,230 a year.
5/10
Texas
About 122,400 jobs; median pay $48,910 a year.
5/10
Florida
About 88,670 jobs; median pay $49,330 a year.
5/10
New York
About 84,280 jobs; median pay $58,160 a year.
5/10
Illinois
About 51,470 jobs; median pay $49,560 a year.
5/10

Growth

Career paths

Where can this profession take you?

Vertical growth

  1. Accounting clerk or accounts payable clerk
    0-2 years

    Handles one part of the books, such as posting transactions, entering bills or applying customer payments.

  2. Full-charge bookkeeper
    2-5 years

    Keeps the entire general ledger, produces financial statements and often handles payroll and deposits.

  3. Senior bookkeeper or accounting supervisor
    5+ years

    Runs month-end close, reviews other clerks' work and acts as the main contact for outside accountants.

  4. Accountant or auditor
    5+ years, plus a bachelor's degree

    With additional education, typically a bachelor's degree, bookkeepers can move into preparing and examining financial records as accountants.

Horizontal move

  • Payroll clerk

    Bookkeepers who enjoy the payroll side can specialize in pay, timekeeping and withholding for larger employers.

  • Billing specialist

    Invoice and receivables experience transfers directly to billing roles, including medical billing in healthcare.

  • Loan processor

    Comfort with financial documents and calculations fits loan processing at banks and mortgage lenders.

Good to know

Practical info

Working hours
Most work full time. Extra hours are common at fiscal year-end, during tax time and when monthly or yearly audits take place.
Remote work
No official remote-work share is published. Most of the work is on a computer (94% use email every day), so remote and hybrid setups exist, especially for client bookkeepers. Roles that handle cash, checks and deposits need someone on site, and 67% of workers have face-to-face discussions every day.
Physical requirements
Low. The work is indoors in climate-controlled offices (95% every day) and mostly seated at a computer. Bookkeepers who serve several firms may travel to clients' offices.
Typical employers
Professional, scientific and technical services, which include accounting, tax preparation, bookkeeping and payroll firms (14% of jobs), construction (8%), retail trade (7%), wholesale trade (7%) and healthcare and social assistance (6%). About 5.6% are self-employed.
Professional associations
American Institute of Professional Bookkeepers (AIPB), which awards the Certified Bookkeeper (CB) designation. CareerOneStop lists other certifications.

FAQ

Frequently asked questions

How much does a bookkeeper make in the US?

Bookkeepers earn a median wage of $50,670 a year, or $24.36 an hour, based on wage data for bookkeeping, accounting, and auditing clerks. The lowest-paid 10% earn less than $36,000 and the top 10% more than $74,550. The highest state median is in the District of Columbia at $65,180, followed by Connecticut at $59,970 and Massachusetts at $59,830.

Is bookkeeping a dying career?

It is shrinking, but not disappearing. Employment of bookkeeping, accounting, and auditing clerks is projected to decline 6% over the next decade, a loss of 85,600 jobs, because software has automated many routine tasks. Still, about 144,100 openings are expected each year as workers retire or change occupations. The remaining bookkeepers are expected to take on a more analytical and advisory role.

Do you need a degree to be a bookkeeper?

No, a degree is not required. The typical entry-level education is some college, no degree: employers generally prefer a high school diploma plus college courses in accounting or a related subject. Some employers hire with only a high school diploma and train on the job, while some candidates choose to earn a bachelor's degree in a field such as business.

Do bookkeepers need to be certified?

No, certification is not usually required to work as a bookkeeper in the US, but it can help demonstrate competency to employers and clients. Common options include the Certified Bookkeeper (CB) designation from the American Institute of Professional Bookkeepers and the Intuit Bookkeeping Certification. CareerOneStop keeps a list of available certifications.

What does a bookkeeper do?

A bookkeeper records an organization's financial transactions and keeps its books accurate. Daily tasks include entering income and costs in accounting software, recording cash and checks, preparing bank deposits, reconciling accounts, and producing reports such as balance sheets and income statements. Many bookkeepers also handle payroll, prepare invoices, make purchases and follow up on overdue bills.

What is the difference between a bookkeeper and an accountant?

A bookkeeper records and organizes financial transactions; an accountant prepares and examines financial records and interprets what they mean for the business. Bookkeepers typically need some college, while accountants typically need a bachelor's degree. The pay gap reflects that: bookkeeping, accounting, and auditing clerks earn a median $50,670, while accountants and auditors earn a median $83,680.

Which states have the most bookkeeping jobs?

California has the most jobs for bookkeeping, accounting, and auditing clerks, 151,870, with a median wage of $59,230. Texas follows with 122,400 jobs (median $48,910), then Florida with 88,670 (median $49,330), New York with 84,280 (median $58,160) and Illinois with 51,470 (median $49,560). For pay alone, the District of Columbia ranks highest at $65,180.

Can bookkeepers work from home?

Often, at least part of the time, though no official remote-work figure exists. The work is mostly computer based, and 94% of these workers use email every day. Bookkeepers who serve several businesses may still visit clients' offices, and roles that handle cash, checks and bank deposits usually require someone on site.

In depth

All about bookkeeper

The background, context and details.

What the bookkeeper numbers cover

The official statistics do not count bookkeepers on their own. They fall under occupation 43-3031, bookkeeping, accounting, and auditing clerks, which also includes accounting clerks, accounts payable and accounts receivable clerks, and auditing clerks who check other people's postings. Sample job titles for the group range from account clerk to accounting technician and accounts payable specialist. The figures on this page, 1,532,400 jobs and a median wage of $50,670, describe that whole group. A full-charge bookkeeper who runs a company's entire ledger and an entry-level clerk who only enters vendor bills sit in the same statistic, so expect a wide range of pay and responsibility behind the median.

How the job differs by employer

In a small business, the bookkeeper is often the whole finance department. You keep the general ledger, prepare deposits, run payroll, pay bills, chase overdue invoices and hand clean books to an outside accountant at year-end. The job is broad and you work closely with the owner. In larger companies, the work is split: accounts payable clerks process bills, accounts receivable clerks handle invoices and payments, and auditing clerks check figures and coding. Entry-level clerks post transactions and calculate interest charges; more advanced clerks balance billing vouchers and check that account data are complete.

About 14% of jobs are in professional, scientific and technical services, the industry that includes accounting, tax preparation, bookkeeping and payroll firms. There, you keep the books for several clients at once and may visit their offices. Construction (8%), retail trade (7%), wholesale trade (7%) and healthcare and social assistance (6%) are the other large employers. About 5.6% of workers are self-employed, usually freelance bookkeepers serving small businesses.

Pay and where the jobs are

The middle half of workers earn between $43,520 and $61,470, and the hourly median is $24.36. California has the most jobs (151,870, median $59,230), followed by Texas (122,400, median $48,910), Florida (88,670, median $49,330), New York (84,280, median $58,160) and Illinois (51,470, median $49,560). The highest medians are in the District of Columbia ($65,180), Connecticut ($59,970) and Massachusetts ($59,830). Official wage data are not broken down by years of experience, so be skeptical of any "entry-level bookkeeper salary" you see quoted elsewhere. In practice, the move from clerk to full-charge bookkeeper, and the size of the employer, account for much of the spread.

The automation question

This is the honest downside, and the projections are blunt about it. Software has automated many of the tasks these workers perform, so the same amount of work can be done with fewer people. Employment is projected to decline 6% over the next decade, a loss of 85,600 jobs. The task list shows why: recording data in accounting software, coding documents, performing financial calculations and checking postings are digital and repetitive, and 68% of workers say repeating the same tasks is extremely important in their job.

The picture is not all bad. About 144,100 openings a year are still projected, all from workers who retire or move to other occupations, and the bookkeepers who remain are expected to take on a more analytical and advisory role: reviewing a client's books and pointing out where they can work more efficiently rather than keying in data by hand. If you are entering the field now, aim for that version of the job.

What employers look for on a resume

Employers generally prefer a high school diploma plus college courses in accounting, so list relevant coursework even if you did not finish a degree. Show the software you know: bookkeeping packages, spreadsheets and databases, and any expense or ERP systems. In-demand technologies for this occupation include SAP Concur, Microsoft Access, Oracle Database and Yardi, plus healthcare systems such as Epic and MEDITECH for medical offices. Name the tasks you owned, such as bank reconciliations, payroll, month-end close or accounts payable, and the size of the books you kept.

Accuracy and trust are the two things a hiring manager is really screening for. About 81% of workers say being exact or accurate is extremely important, and integrity is one of the key work styles because bookkeepers control financial records and sometimes cash. A certification such as the AIPB Certified Bookkeeper or the Intuit Bookkeeping Certification is optional but gives an employer independent proof of your skills. For long-term earnings, the clearest step is more education: with experience and additional education, some clerks become accountants or auditors.