Division90 is now Calculated. Same trusted team. Bigger vision. Smarter solutions.
Your Numbers Should Move Your Business Forward.
Full-service accounting and strategic financial guidance — built for companies ready to grow.
We don’t just keep your books. We keep you informed.
Every service we deliver is designed around one goal: making sure you always know where your business stands, where it’s going, and what to do next.
Most accounting relationships feel transactional. You send documents, they send a report, and you’re left to figure out what it means on your own.
At Calculated, that’s not how we work. We stay in the room. We explain what we’re seeing, flag what matters, and help you decide what to do next.
Built on the ART of Data
Everything we produce is held to the same standard. Your data must be Accurate, Relevant, and Timely. All three. Always.
When one breaks down, so does your ability to make good decisions. Our job is to make sure that never happens.
ACCURATE
Every number verified. No guesswork, no surprises.
RELEVANT
Structured around your decisions, not just tax compliance.
TIMELY
Delivered when you need it — not weeks after the fact.
Full Service Accounting
We Get Your Numbers Working
Most clients come to us mid-mess. Books that haven’t been reconciled in months. Reports that don’t reflect reality. A vague sense that something is off but no clear picture of what. At Caluculated we are here to serve your business, not judge it, all our clients should feel heard and understood.
We follow a three-phase process that takes you from wherever you are now to clean, reliable, growth-ready financials. When you have the data, you can.
PHASE 1
Access & Assessment —
We learn your business.
We connect to your financial systems, review your current setup, and identify exactly what’s working, what’s not, and what needs to change. You’ll receive a full assessment report and a clear roadmap before any cleanup begins.
Focus
Chart of accounts structure and accuracy
Transaction history and data integrity
Bank, credit card, and loan reconciliations
Accounts Receivable and Accounts Payable processes
Month-end close workflows and documentation
System integrations and automation opportunities
Deliverables
Access established within 5 business days of kickoff
Accounting review and assessment report
Phase 2 roadmap and recommendations
Timeline
Completed within 2 weeks of engagement kickoff.
PHASE 2
Cleanup & Optimization —
We fix the foundation.
We correct historical data, reconcile every balance sheet account, and rebuild your chart of accounts for clear, reliable reporting. By the end of this phase, your books are accurate and structured for real decision-making.
Focus
Correct historical transactions, entries, and classifications
Reconcile all bank, credit card, loan, and payroll accounts
Rebuild or refine chart of accounts by department, location, or revenue stream
Streamline A/R, A/P, and month-end close workflows
Implement automation and process improvements where possible
Coordinate with your CPA to ensure compliance and tax alignment
Deliverables
Corrected transaction history across all accounts
Fully reconciled balance sheet
Optimized chart of accounts
Documented accounting workflows
Verification meeting confirming readiness for Phase 3
Timeline
Typically 4–6 weeks depending on data volume and condition
PHASE 3
Reporting & Readiness —
We turn accounting into a tool.
Your accounting becomes a live, monthly decision-making engine. Clean financials, real-time dashboards, and forward-looking forecasts — delivered on time, every month. We train your team to read and act on what we deliver.
Focus
Finalize monthly close processes for consistent, timely reporting
Produce monthly P&L, Balance Sheet, and Cash Flow statements
Build customized KPI dashboards for leadership visibility
Develop financial forecasts and budgets aligned with company goals
Train your internal team to interpret and use reports
Provide optional quarterly strategy review sessions
Deliverables
Monthly financial statements (P&L, Balance Sheet, Cash Flow)
Custom KPI dashboard and performance reporting templates
Rolling financial forecast and budget model
Optional quarterly strategy review
Timeline
Ongoing — first formal report within 10 business days of month-end close.
You’ll never be left wondering what’s going on.
We communicate proactively, flag issues before they become problems, and make sure every report comes with context, not just numbers. If something looks off, you hear from us first.
Fractional CFO & Advisory Services
Once your accounting foundation is solid, some clients are ready to go further. Our fractional CFO services bring executive-level financial thinking to companies that need it — without the cost of a full-time hire.
Growth Strategy & Financial Planning
Translate your revenue goals into a financial roadmap — with the milestones, metrics, and capital requirements to get there.
Scenario Planning & Decision Support
Model out your biggest decisions before you make them. Hiring, expansion, acquisition, pricing changes — know the financial impact before you commit.
Cash Flow Strategy & Capital Planning
Forecast cash requirements, plan for constraints, and ensure every dollar is deployed where it creates the most growth.
KPI Design & Leadership Accountability
Build the metrics framework that keeps your leadership team aligned, accountable, and focused on the right levers at the right stage.
Acquisition & Exit Readiness
Financial modeling and planning for M&A, business valuation, lender and investor coordination, and exit strategy.
CFO & advisory services are introduced once a strong accounting foundation is in place.
When you're ready to go further,
we're already there with you.
Fractional CFO & Advisory Services
Once your accounting foundation is solid, some clients are ready to go further. Our fractional CFO services bring executive-level financial thinking to companies that need it — without the cost of a full-time hire.
You’re the right fit if:
Revenue between $1M–$20M
Multiple departments, locations, or revenue channels
Decisions being made on instinct, not data
Outdated Books that haven’t been cleaned up in a while
Outgrown a bookkeeper but not ready for a full CFO
Going through rapid growth or a major transition
Industries we've served:
E-Commerce & Consumer Brands
Construction & Trades
Professional Services
Healthcare & Home Health
Franchise & Multi-Location Businesses
B2B SaaS & Technology
Industrial & Service Businesses
What we don’t do — and why that matters.
Calculated does not prepare or file income tax returns, perform audits or assurance reviews, or provide legal or HR compliance services. We coordinate directly with your CPA and legal counsel — not in place of them. This clear scope means we stay focused on what we do best: accurate books, sharp reporting, and financial strategy that moves your business forward.
In The Words Of Our Clients
Prior to using Calculated's bookkeeping and financial strategy services, I had no idea what my company's bottom line was. I didn't even know if we were profitable. After a year and a half with Dustin and his team, our books are cleaner than ever, and I understand my business's finances thoroughly. The best part is that I know where we're headed - and that clarity provides me with peace of mind. I highly recommend Calculated.
We’ve been working with Calculated for a few years and it’s completely changed the amount of clarity, strategy, and understanding I have of my own business. Having a professional lifeline like Calulated has helped me fill in the gaps in my personal skills and knowledge.
Division 90 was a true game changer for Nani. We had taken the business as far as we could on our own, and bringing Dustin and his team in gave us the financial clarity, structure, and strategic insight we needed to reach the next level. Their impact went far beyond basic accounting support. They successfully transitioned our financials from cash to accrual accounting, built a robust forecasting model, created a cash flow management plan, and implemented a budgeting system that became essential tools for our leadership team. What stood out most was their ability to turn financial data into actionable business strategy. Instead of simply reporting numbers, Dustin helped us understand what the numbers meant, where we had opportunities, and how to make smarter decisions for the future of our brand. Their partnership gave us confidence, visibility, and a much stronger foundation for growth. I would highly recommend Division 90 to any founder or leadership team looking to level up their financial operations and make more strategic, data-driven decisions.
We have loved working with Calculated. They are efficient, responsive and very knowledgeable. We feel very supported and have been impressed by the entire team. We have worked with many groups over our years of running businesses and Calculated has been the best, hands down. We highly recommend working with them.
Dustin and Amy don't just do our books—they help us make smarter decisions about how to grow. Fast responses, crystal clear financials, and genuine partnership. They're essential to our success.
Common Questions
What’s the difference between Calculated and a regular accounting firm?
Traditional accounting firms are built for compliance, accurate books, filed returns, and historical reports. We do all of that, but we structure your accounting to answer real business questions. What’s our most profitable service? Where is cash going? What can we afford to do next? That’s the difference between accounting for compliance and accounting for growth.
Do you replace my current bookkeeper or accountant?
We typically act as your full outsourced accounting department, handling everything your bookkeeper or controller would, plus strategic reporting and forecasting. If you have a CPA who handles taxes, we coordinate directly with them. We don’t prepare or file income tax returns, but we make sure everything is ready when they need it.
How long does it take before we see a real impact?
Phase 1 (Access & Assessment) typically completes within two weeks. Phase 2 (Cleanup & Optimization) takes 4–6 weeks depending on the condition of your books. Once we’re in Phase 3, you’ll have clean monthly reporting and a live dashboard. Most clients tell us they feel a meaningful shift in clarity within the first 60–90 days.
What size company do you typically work with?
We work best with companies between $1M and $20M in annual revenue. That’s the sweet spot where businesses have real complexity but don’t yet have the resources for a full in-house finance team. If you’re below that range, we’re happy to talk — some companies in that window are a great fit depending on their growth trajectory.
What if our books are a mess?
That's actually one of the most common reasons clients come to us. Whether you're months behind, dealing with inaccurate financials, struggling with inventory, or simply aren't confident in your numbers, we've seen it before. We begin with a thorough assessment of your accounting systems, identify the root causes of the issues, and create a clear plan to get everything back on track. Our goal isn't just to clean up the past—it's to build processes that keep your books accurate, organized, and reliable moving forward.
How is your pricing structured?
Our pricing is designed to grow with your business. Rather than charging by the hour, we offer fixed monthly pricing based primarily on your company's revenue, operational complexity, and the level of support you need. This allows you to budget confidently while ensuring your accounting services scale alongside your business. We'll discuss your goals during an initial strategy call and recommend the service level that's the best fit for your current stage of growth.
Do you work with specific industries?
Yes. While our systems can support many businesses, we specialize in helping growth-focused companies in industries where timely financial data is critical to decision-making.
Some of the industries we frequently serve include:
- Construction & trades
- Home services
- E-commerce & retail
- Professional services
- Healthcare & medical practices
- Franchises & multi-location businesses
- Manufacturing
- SaaS & technology companies
If you're not sure whether we're a fit, we'd be happy to discuss your business during a complimentary strategy call.
What software do you use?
We build our accounting systems around secure, cloud-based technology that gives you accurate, real-time financial information.
Our core platforms include:
- QuickBooks Online for accounting
- Financial Cents for workflow and client collaboration
- Google Workspace for secure communication and document management
We also work with a wide variety of industry-specific software, including payroll, inventory, point-of-sale, CRM, e-commerce, expense management, and operational platforms. Our team evaluates new technology regularly, including AI-powered tools and automation to help improve efficiency, reduce manual work, and provide better financial insights for our clients. Rather than forcing you into one software ecosystem, we build technology around the way your business operates.
Get the Financial Infrastructure Your Growth Requires
One integrated system. Accounting, data, and strategy, working together.
Full-Service Accounting & Controllership
Accurate books, structured for growth, not just tax season. We design your financial infrastructure to answer the questions that drive decisions.
Real-Time Financial Dashboards & KPI Tracking
Your business generates data every day. We make sure you can see it, understand it, and act on it, without waiting for a month-end report.
Fractional CFO Leadership
Strategic financial leadership without the full-time price tag. Forecasting, cash strategy, scenario planning, and executive-level guidance when you need it.
Growth Strategy Development & Financial Execution
We don't stop at the spreadsheet. We help build and execute the financial plan behind your growth, from pricing strategy to capital deployment.
Finance Leadership for Executive & Operations Teams
Growth requires financial alignment across your leadership team. We build the accountability structures, reporting cadences, and decision frameworks that keep everyone moving in the same direction.
Get the Financial Infrastructure Your Growth Requires
One integrated system. Accounting, data, and strategy, working together.
Full-Service Accounting & Controllership
Accurate books, structured for growth, not just tax season. We design your financial infrastructure to answer the questions that drive decisions.
Real-Time Financial Dashboards & KPI Tracking
Your business generates data every day. We make sure you can see it, understand it, and act on it, without waiting for a month-end report.
Fractional CFO Leadership
Strategic financial leadership without the full-time price tag. Forecasting, cash strategy, scenario planning, and executive-level guidance when you need it.
Growth Strategy Development & Financial Execution
We don't stop at the spreadsheet. We help build and execute the financial plan behind your growth, from pricing strategy to capital deployment.
Finance Leadership for Executive & Operations Teams
Growth requires financial alignment across your leadership team. We build the accountability structures, reporting cadences, and decision frameworks that keep everyone moving in the same direction.
Let’s Start With a Conversation.
Schedule a complimentary, no obligation 30-minute call. We’ll tell you honestly what we’re seeing and what working together could look like.
We help businesses with their critical data and strategy needed for accelerated growth.
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