# Kruze vs Lopifi: a startup accounting firm or AI bookkeeping

> Kruze Consulting is a full-service accounting firm for VC-funded startups, from $650 a month. How it compares with Lopifi on scope, ledger and price.

Source: https://lopifi.com/compare/kruze
Part of: Lopifi — US GAAP books on autopilot, checked by a CPA (https://lopifi.com)

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Kruze is an accounting firm that specializes in funded startups, with an accounting manager on every account. Lopifi is narrower and cheaper. Here is the trade.

**The short answer.** Kruze is a full-service firm for funded startups, with accrual books, an accounting manager and tax and CFO support, from $650 a month. Lopifi does only the books, by agents with a quarterly CPA check, in your QuickBooks Online or Xero file, for $200 a month.

## Side by side

| Question | Kruze | Lopifi |
|---|---|---|
| Who does the work | People: a dedicated accounting manager and a monthly call on every tier. ([Kruze pricing](https://kruzeconsulting.com/pricing/), checked 2026-10-17) | AI agents categorize and reconcile daily and close monthly. Anything that needs judgment waits for your sign-off. |
| Ledger | QuickBooks Online, the platform Kruze sets up and recommends. ([Kruze on QuickBooks Online](https://kruzeconsulting.com/blog/quickbooks-online-best-platform-for-startups), checked 2026-10-17) | Your own QuickBooks Online or Xero file, kept in sync. Set up for you if you have none. |
| Basis | Accrual on every tier. ([Kruze pricing](https://kruzeconsulting.com/pricing/), checked 2026-10-17) | Accrual, US GAAP, with a lead schedule behind every balance and a monthly close you sign. |
| Price | $650–$850/mo (Basic) or $850–$1,500/mo (Founder Timesaver), plus onboarding. ([Kruze pricing](https://kruzeconsulting.com/pricing/), checked 2026-10-17) | $200 a month, flat. Planned price; not open yet. |
| Tax returns | Available, priced by quote. ([Kruze pricing](https://kruzeconsulting.com/pricing/), checked 2026-10-17) | Not included. Deadlines are tracked, and a closed year goes to your tax preparer. |
| CFO services | CFO support available on every tier. ([Kruze pricing](https://kruzeconsulting.com/pricing/), checked 2026-10-17) | Not offered. The output is closed books and statements, not a finance team. |

## Scope is what you pay for

A firm's price buys people and breadth: someone to call, and tax, credits and diligence support under one roof. Those are worth paying for once a company needs them.

Before then, most of the value is books that are right: accrual, reconciled, closed and reviewed. That is the whole of what Lopifi sells, which is why it costs $200 a month.

## When Kruze is the better choice

- You need your books kept this month. Lopifi is a waitlist and lets companies in a few at a time.
- You want a named accounting manager and a monthly call with them.
- You need tax, R&D credits, audit preparation and CFO support from one firm.
- You have raised at least $500K and your books are complex enough to need it.

## When Lopifi is the better choice

- You want accrual books for a fraction of a firm's price: $200 a month, flat.
- You want the books reconciled daily and closed monthly, with your sign-off on judgment calls.
- You have not raised a priced round yet and want GAAP books before you need a firm.

## What we checked about Kruze

- Kruze prices by complexity: Basic $650–$850 a month, Founder Timesaver $850–$1,500 a month, Premium by quote, plus a one-time onboarding fee. Source: [Kruze pricing](https://kruzeconsulting.com/pricing/), checked 2026-10-17.
- Every Kruze tier includes accrual-basis bookkeeping, a dedicated accounting manager and a monthly call. Source: [Kruze pricing](https://kruzeconsulting.com/pricing/), checked 2026-10-17.
- Kruze says it specializes in funded Delaware C-corps that have raised at least $500K in venture capital. Source: [Kruze pricing](https://kruzeconsulting.com/pricing/), checked 2026-10-17.
- Kruze says it has set up and scaled accounting systems for hundreds of startups on QuickBooks Online. Source: [Kruze on QuickBooks Online](https://kruzeconsulting.com/blog/quickbooks-online-best-platform-for-startups), checked 2026-10-17.

## Common questions

### How much does Kruze Consulting cost?

Kruze's pricing page lists Basic at $650–$850 a month and Founder Timesaver at $850–$1,500 a month, based on complexity, with Premium by quote and a one-time onboarding fee.

### Does Kruze do taxes and R&D credits?

Kruze lists tax services, R&D credit work, audit preparation and CFO support as available. Prices for those are quoted rather than published.

### How is Lopifi different from Kruze?

Kruze is a firm with an accounting manager per client and a broad menu of services. Lopifi does one thing at one price: accrual books in your QuickBooks Online or Xero file, closed monthly by agents and checked by a licensed CPA quarterly, for $200 a month.