If you’re looking to keep your accounting & bookkeeping costs low, there are few things to consider:
Your bandwidth: If you have the time, you can train yourself to do some of the bookkeeping. Lynda is a great resource for how to learn QuickBooks and Xero. Two caveats though, 1) your time is truly better spent growing and managing your startup and 2) if you get it wrong it will very likely be expensive to clean up the books.
Your company’s growth curve: since Bench and inDinero use their own proprietary software, you will eventually need to move off of those platforms once you’re company is robust enough for higher level finance needs. If you’re looking to grow (and as a startup I assume that you are!), then you’ll need a solution that will grow with you. QuickBooks Online and Xero are both great, but I tend to prefer QBO.
How you’ve leveraged technology: I can’t stress this enough… using technology will greatly reduce the amount of time (aka money) you have to spend on Accounting and HR. Here are my absolute essentials: QuickBooks, Gusto, Zenefits, Abacus, Bill.com, Box, Gmail.