A finance team in-house costs about $250,000 a year.
Bookkeeper, AP/AR specialist, payroll admin, fractional controller. Each one is a real salary, plus benefits, software, oversight, and the slow drag of managing people. We replace the whole function, CFO-level reporting included. Here's the honest math.
~90% cost savings · Same accountability · No HR overhead · Onboarded in 30 days
Works with the tools you already run
Where Saturn pulls ahead of In-House.
A fraction of in-house
Saturn
$220K–$340K+/year
In-House
Same coverage, including CFO-level reporting. Up to 90% less annual cost.
CFO reporting bundled
Saturn
Separate hire ($60–120K/yr)
In-House
KPI dashboard, weekly cash position, 13-week forecast, monthly commentary, in every Saturn plan. In-house = another role to recruit.
Firm continuity
Saturn
Turnover risk
In-House
Your bookkeeper doesn't quit. The firm shows up every Monday, vacation-proof.
The honest math.
| Feature | Saturn BPO | In-House Team |
|---|---|---|
| Bookkeeper | Included | $60–80K/yr salary |
| AP / AR specialist | Included | $55–75K/yr salary |
| Payroll administrator | Included | $45–65K/yr salary |
| Fractional controller / part-time CFO | Included (KPI dashboard, weekly cash, 13-week forecast, monthly commentary) | $60–120K/yr |
| Benefits + payroll taxes (~25% loading) | Included | $55–85K/yr |
| Software stack (QBO, Bill.com, Gusto, etc.) | Included | $5–15K/yr |
| Tax filing (federal + state) | Included via tax partner | Hire a CPA separately ($3–10K/yr+) |
| Management time | Zero | 5–10 hrs/week |
| Turnover risk | Zero (firm continuity) | Hire / retain / replace cycle |
| Vacation coverage | Built-in | You scramble |
| Total annual cost | Custom quote, far below in-house | $220K – $340K+ |
| Scale up or down | Same month, just change tier | Hire / fire cycle |
Credentialed by the people who set the rules
QuickBooks ProAdvisors
Xero Advisors
Certified Bookkeepers
Which one is right for you?
We'd rather you pick the right partner than the wrong one. Here's where each genuinely wins.
Pick Saturn BPO when...
- You don't have a finance team yet and can't justify hiring 3-4 people
- You want CFO-level reporting without paying for a separate fractional CFO hire
- Your current bookkeeper left and you don't want to recruit again
- You're scaling fast and need finance capacity that flexes with you
- You want predictable monthly cost instead of fixed payroll overhead
- You'd rather spend management bandwidth on growth, not on running a finance team
Hire in-house when...
- You're a $20M+ business where a dedicated team is unambiguously the right model
- You already have a CFO who specifically wants their own team reporting to them
- Your industry is so niche that no outsourced firm has the playbook
- You're acquisitive and need finance people in the deal room daily
- Confidentiality requires every detail stay inside the building (rare, but valid)
Hiring in-house is around $250K a year.
Saturn replaces the whole function for a fraction of that. Use the calculator to size what an in-house team would really cost you, instantly.
See what an in-house team really costs.
Pick what you'd hire: bookkeeper, bookkeeper + AP/AR, or full team. See the loaded annual cost and how much of it Saturn takes off the table.
- Loaded in-house cost, by team shape
- Potential savings range, instantly
- Honest US salary benchmarks
- No email required to use
Sample result · Full finance team
In-house, loaded
$285K/ year
Potential savings with Saturn
up to 80%vs. building it in-house
Same coverage, a fraction of the cost
Illustrative. Run yours in the calculator →
This is the finance team you'd hire if you had the time to hire one.
Always-on accuracy
Reconciled weekly, not at month-end.
Nothing slips through
Follow-ups and deadlines handled in the background.
Real-time visibility
Weekly summary. Monthly report. No black box.
Books + tax, one roof
Federal & state filing via our partner. No CPA shuffle.
Run the math on your specific business.
Thirty minutes. We'll size what Saturn would cost for your operation, including CFO-level reporting, and you can compare it apples-to-apples against the in-house hire you've been considering. If in-house genuinely wins for your stage, we'll tell you so.
Run the math on my businessNo contract. No high-pressure follow-up. If we're not a fit we'll say so.