Built for Micro Businesses
For solo founders, freelancers, and small teams with minimal complexity.
Bookkeeping, payroll, taxes, and more, handled in one simple hub, so you can get back to running your business.
No credit card required. See pricing
Bank connections run through Stripe and payroll runs on Gusto, the same secure, trusted infrastructure millions of businesses already rely on.
Why Fulkrum
We bring a holistic approach to micro business needs, with a focus on simplicity.
One platform
Bookkeeping, payroll, taxes, and more, all in one hub, no juggling five different tools or logins.
Radically simple
Your financials, explained in plain language you can actually understand, like knowing you made $4,200 in profit this month, not a wall of accounting jargon.
More than bookkeeping
Formation, access to capital through our non-profit and local institution partners, and education and coaching: everything it takes to grow from business owner to leader.
Services
Every service runs on the same books, so each one makes the others smarter.
Bookkeeping & Taxes
Do your own bookkeeping with our DIY tools, or let our accountants handle both your bookkeeping and taxes for you.
Learn more →Payroll
Powered by Gusto
We set it up for you, then you run it yourself, with taxes and filings handled automatically.
Learn more →Grants & loans
We partner with local non-profits and community banks to invest in local economic development, bringing access to capital to the business owners who need it, with your books already attached.
Learn more →Education & Training
Plain-language lessons on taxes, bookkeeping, hiring, and growth, built into the hub so every report teaches you something.
Learn more →InvoicingComing soon
Send branded invoices to your customers and get paid online, with paid/unpaid tracking that flows straight into your books.
Learn more →Business formationComing soon
LLC or S-corp, EIN, and state filings, launched in days, not weeks.
Learn more →Pricing
Subscribe to what you use every month. Pay as you go for the rest.
Bookkeeping
DIY
$35
per month, per business
- Connect your bank via Stripe
- Upload up to 3 statements per month
- AI-assisted categorization
FULL SERVICE
$150
per month, per business
- Everything in DIY, done for you
- Year-end business tax return included
- Based on a fit assessment for your business
Payroll
Payroll clients pay Gusto directly, based on the plan and number of employees you choose. See Gusto’s pricing →
Formation is priced separately, based on your state. Full Service eligibility is confirmed with a fit assessment during signup.
We grow the owner, not just the books
Software keeps the numbers right. Coaching and financial literacy make sure you know what the numbers mean, and what to do next.
AI insight, with a coach on call
AI-assisted analysis of your business’s financial health, grounded in your real numbers, with optional coaching sessions when you want a person in the loop.
- AI reviews your books and flags risks and opportunities early
- Plain-language health checks on cash flow, pricing, and growth
- Optional one-on-one sessions for big moves: hiring, borrowing, expanding
Learn the language of your business
Plain-language learning built into the hub, so every report teaches you something.
- Every statement explained in plain English, line by line
- Short lessons on margins, taxes, credit, and cash
- Hands-on practice with your own numbers, right in the hub
Questions, answered
What does "start free" actually mean?
Creating a Fulkrum account is completely free, no credit card required. You only pay for the specific services you turn on, like bookkeeping or tax filing, at the prices shown in Pricing.
Is my financial data safe?
Yes. Bank connections run through Stripe, the same infrastructure millions of businesses already trust, and your books are never re-typed or duplicated elsewhere.
Do I need to switch banks?
No. Connect your existing bank account through Stripe, or upload statements manually if you'd rather not connect one at all.
What's the difference between DIY and Full Service?
DIY ($35/mo) gives you the tools and AI-assisted categorization to do your own bookkeeping. Full Service ($150/mo) adds a dedicated bookkeeper and year-end tax filing, for businesses that fit our supported profile.
Is payroll really powered by Gusto?
Yes. We set your payroll up for you, then you run it yourself, backed by Gusto's payroll infrastructure and compliance.
Can I cancel anytime?
Yes, there's no long-term contract. Cancel your subscription whenever you like.
When will Invoicing and Business formation be available?
Both are coming soon. Sign up now and we'll let you know the moment they launch.