Most Affordable Online Associate’s Degree in Accounting for 2025

by Imed Bouchrika, Phd

Co-Founder and Chief Data Scientist

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According to the State of Higher Education 2022 Report, 54% of students dropped out of college because of cost. So if high tuition is keeping you from attending college and earning an accounting degree, you are not alone. After over 10 years as a career advisor and seeing firsthand how students are discouraged from getting an undergraduate degree because of the cost, my team and I compiled a list of the most affordable online associate’s degree in accounting programs. Using all available data from top-notch institutions offering online accounting degrees, we have also put together a guide on the costs, the types of financial aid and scholarships that you can avail of, and other pertinent information.

What are the benefits of getting an online associate degree in accounting?

• An associate's degree can be completed in less time than a bachelor's degree, allowing you to enter the workforce quicker and start gaining valuable professional experience.
• Online programs offer unmatched flexibility as you can study at your own pace, juggle work and personal commitments, and access course materials from anywhere with an internet connection.
• According to Payscale, accounting professionals with an associate's degree in accounting can earn an average annual salary ranging from $46,000 to $57,000 as of May 2024.

What can I expect from an affordable online associate in accounting degree program?

Here's what you can expect from an affordable online associate's degree in accounting:

• Curriculum. You will learn core accounting principles like bookkeeping, financial statements (income statement, balance sheet, cash flow statement), and generally accepted accounting principles (GAAP). You will also learn financial accounting, managerial accounting, tax accounting, accounting software, and business communication. 

• Affordability. Compared to traditional on-campus programs, online programs might have lower tuition fees. You might save on commuting and housing costs, and potentially find programs with flexible schedules that minimize childcare or work schedule conflicts.

• Flexibility and Convenience. An online accounting degree allows you to study at your own pace and balance work, family, and other commitments. You can access course materials and lectures online, so you can enjoy the convenience of studying from anywhere as long as there is an internet connection. Some online programs also offer asynchronous learning, where you complete coursework on your schedule and without having to attend live online sessions at specific times.

Where can I work with an affordable online associate in accounting degree?

With an affordable online associate's degree in accounting, you can qualify for a variety of entry-level accounting positions across different industries. These include:

• Traditional Accounting Firms. Public accounting firms offer a variety of services to businesses and individuals, including tax preparation, auditing, and bookkeeping. These firms often hire entry-level accountants like staff accountants or bookkeeping clerks.
• Corporate Accounting Departments. Many companies, regardless of size or industry, have internal accounting departments responsible for managing financial records, payroll, and financial reporting. You might find opportunities as an accounts payable/ receivable clerk, payroll specialist, or junior accountant.
• Government Agencies. Government agencies at all levels (federal, state, and local) employ accounting professionals for tasks like budget analysis, grant management, and tax collection. Look for positions like government accountant or budget analyst.
• Non-Profit Organizations. Non-profits also need qualified accounting personnel to manage donations and track expenses and financial statements. You might find roles like accounting assistant or finance specialist.
• Self-Employment. With experience and additional qualifications (like a bookkeeping certification), you could potentially become a self-employed bookkeeper or tax preparer, offering services to small businesses or individuals.

How much can I make with an affordable online associate in accounting degree?

According to Payscale, accounting professionals with an associate's degree in accounting can earn an average annual salary ranging from $46,000 to $57,000 as of May 2024.

The United States Bureau of Labor Statistics, meanwhile, reports that bookkeeping, accounting, and auditing clerks earn a mean annual wage of $49,580, or a mean wage of $23.84 per hour. The median annual wage is $47,440.

Ultimately, how much you make will still depend on your employer or industry, your length of experience, and your location. The top-paying states for bookkeeping, accounting, and auditing clerks are the District of Columbia, Massachusetts, California, New York, and Washington.

Table of Contents

1. 2025 Most Affordable Online Associate Degree in Accounting Programs
2. How long does it take to complete an affordable online associate degree in accounting program?
3. How does an online associate in accounting degree program compare to an on-campus program?
4. What is the average cost of an affordable online associate degree in accounting?
5. What are the financial aid options for students enrolling in an online associate in accounting program?
6. What are the prerequisites for enrolling in an affordable online associate degree in accounting program?
7. What courses are typically included in an affordable online associate degree in accounting program?
8. What types of specializations are available in online associate in accounting degree programs?
9. How do you choose the best affordable online associate degree in accounting program?
10. Is the affordable online associate degree in accounting accredited and recognized?
11. What career paths are available for graduates of an affordable online associate degree in accounting?
12. Are high-paying accounting careers achievable with an affordable online associate degree?
13. What is the job market for graduates with an affordable online associate degree in accounting?
14. Can an online associate degree in accounting lead to a career in actuarial science?
15. How can I leverage my associate degree to pursue CPA certification?
16. How can an online associate degree in accounting help with further academic and career advancement?
17. Which bookkeeping certification is best?
18. How do I choose the right accounting specialization for my career goals?
19. How will emerging technologies shape the accounting profession?
20. What support services are available for students in online associate degree accounting programs?
21. Other Things You Should Know About Affordable Online Accounting Programs

2025 Most Affordable Online Associate Degree in Accounting Programs

How do we rank our schools?

We have ranked the top online associate’s degree in accounting programs based on cost, the variety of courses and specializations offered, and the career outcomes of graduates. We know that paying for an online accounting degree program is a significant investment, so our ranking was prepared to ensure that students can make informed decisions based on verifiable data and comprehensive, transparent information. This ranking is based on our methodology, which considers various factors aside from cost, including faculty and campus. We have collected and analyzed data from the IPEDS database as well as Peterson’s database including their Distance Learning Licensed Data Set, College Scorecard database, and the National Center for Education Statistics (NCES).

1. West Los Angeles College

West Los Angeles College offers an online Associate of Arts in Accounting, which is designed for career and technical education and workforce training. The courses under this program will teach you skills in maintaining records, preparing financial reports, and controlling finances, as well as problem-solving and communication skills. Completing the program will qualify you for entry into the business community in such entry-level positions as assistant auditors, bookkeepers, and accounting clerks.

• Location: Culver City, CA
• School type: Public
• Online degree offered: Associate of Arts in Accounting
• Program length: 2 years
• Credits required to graduate: 60
• Cost of attendance: $20,903 (9-month budget for state residents); $38,579 (9-month budget for out-of-state students)
• Accreditation: Accrediting Commission for Community and Junior Colleges, of the Western Association of Schools and Colleges (ACCJCWASC)

2. Coastline College

Coastline College offers an Associate of Science in Accounting program, which will prepare you for a career as a junior accountant, tax practitioner, or bookkeeper. The program will provide you with the knowledge and skills you need to gather, record, analyze, and interpret financial data, as well as prepare accurate reports for regulatory compliance and decision-making. You will be able to recommend effective business solutions using a systematic, evaluative, and information-based approach, and learn how to utilize computerized accounting software. 

• Location: Fountain Valley, CA
• School type: Public
• Online degree offered: Associate of Science in Accounting
• Tracks/concentrations: Bookkeeping, Taxation, General Accounting
• Program length: 2 years
• Credits required to graduate: 60
• Program cost: $2,824 (in-state); $19,924 (out-of-state)
• Accreditation: ACCJCWASC

3. Florida State College at Jacksonville

Florida State College at Jacksonville offers an Associate of Science in Accounting Technology program, which will provide you with a solid foundation in all aspects of accounting practices used in a range of organizational settings. This accounting degree includes four technical accounting certificates: Accounting Technology Management, Accounting Technology Operations, Accounting Technology Specialist, and Banking Specialist - Financial Services (FinTech). These certificates can be earned individually to develop or upgrade your skills while you complete your degree. 

• Location: Jacksonville, FL
• School type: Public
• Online degree offered: Associate of Science in Accounting Technology
• Program length: 2 years 
• Credits required to graduate: 60
• Tuition per credit hour: $105 (in-state residents), $401 (non-residents), $219 (non-residents online courses)
• Accreditation: Accreditation Council for Business Schools and Programs (ACBSP)

4. Eastern Florida State College

Eastern Florida State College offers an option for a 100% online Associate in Science in Accounting Technology program. This program will prepare you for employment opportunities in various business, government, non-profit, and industrial fields. Through the online learning option, you will have the flexibility and freedom to work through the program and develop critical technical knowledge and financial fluency in a setting that makes sense for you. It will also prepare you for advanced education in the business and accounting field.

• Location: Cocoa, FL
• School type: Public
• Online degree offered: Associate in Science in Accounting Technology
• Program length: 2 years 
• Credits required to graduate: 60
• Program cost: $6,240 (in-state); $24,345 (out-of-state)
• Accreditation: Southern Association of Colleges and Schools Commission on Colleges (SACSCOC) 

5. Florida SouthWestern State College

Florida SouthWestern State College offers an online Associate in Science Degree in Accounting Technology program that will prepare you for a career such as accounts receivable coordinators, accounts payable coordinators, bookkeepers, credit and collections coordinators, payroll coordinators, accountants, auditors, tax preparers, and other accounting paraprofessionals in advanced professional accounting occupations. The program includes courses in financial and managerial accounting, management, insurance, and finance. Students in this program also have the opportunity to participate in the VITA program, which provides free tax-preparation services to low-income, disabled or limited English-speaking clients.

• Location: Fort Myers, FL
• School type: Public
• Online degree offered: Associate in Science Degree (AS) in Accounting Technology 
• Program length: 2 years
• Credits required to graduate: 60
• Cost of attendance: $14,609 (at home); $21,519 (on campus); $24,585 (off campus)
• Accreditation: SACSCOC

6. Indian River State College

Indian River State College has a virtual campus that offers an online Associate of Arts in Accounting program that covers a balance of general education and elective courses. The program will prepare you for transfer into a four-year bachelor's degree. Through the program, you can explore specialized topics in financial accounting, managerial accounting, and economics.

• Location: Fort Pierce, FL
• School type: Public
• Online degree offered: Associate of Arts in Accounting 
• Program length: 2 years
• Credits required to graduate: 62
• Cost of attendance: $6,530 (in-state), $23,729 (out-of-state)
• Accreditation: SACSCOC

7. Pensacola State College

Pensacola State College offers an Associate of Science in Accounting Technology degree program that is designed to provide you with the education and skill development necessary for entry-level employment in accounting or bookkeeping. The knowledge and training you will acquire can also be applied to many other managerial or supervisory positions in business and government. This AS program includes College Credit Certificates in Accounting Technology Management, Accounting Technology Operations, and Accounting Technology Specialist.

• Location: Pensacola, FL
• School type: Public
• Online degree offered: Associate of Science in Accounting Technology
• Program length: 2 years
• Credits required to graduate: 60
• Cost per credit: $104.58 (in-state);  $419.76 (out-of-state)
• Accreditation: SACSCOC

8. Miami Dade College

Miami Dade College offers a fully online Associate in Science in Accounting Technology with opportunities for you to earn multiple credentials that help you find jobs quickly while advancing both your academic and professional careers. This A.S. in Accounting Technology program will allow you to gain valuable experience in this in-demand field.

• Location: Miami, FL
• School type: Public
• Online degree offered: Associate in Science in Accounting Technology
• Tracks: Accounting Clerk and Tax Specialist
• Program length: 2 years
• Credits required to graduate: 60
• Program cost: $7,093
• Accreditation: SACSCOC

9. Northwest Mississippi Community College

Northwest Mississippi Community College offers an Associate of Arts in Accountancy, which will equip you with the knowledge and skills to help to ensure that firms are run efficiently, public records are kept accurately, and taxes paid properly and on time. You will learn how to analyze and communicate financial information for various entities, including companies, individual clients, and government. 

• Location: Senatobia, MS
• School type: Public
• Online degree offered: Associate of Arts in Accountancy
• Annual cost: $4,280 (in-state), $7,080 (out-of-state)
• Accreditation: SACSCOC

10. Northeast Community College

Northeast Community College offers an Associate of Arts in Accounting program that is available online. You will learn the basic concepts, definitions, terminologies, and methods of operating an accounting system. The Northeast accounting program will prepare you for immediate employment in an entry-level position or you may transfer your credits to an accounting program at a four-year college. If you choose to enter the workforce after graduation, you will find outstanding career opportunities if you are accurate, conscientious, and analytical.

• Location: Norfolk, NE
• School type: Public
• Online degree offered: Associate of Arts in Accounting
• Program length: 2 years
• Credits required to graduate: 60-64
• Tuition per credit: $108 (resident); $151 (non-resident)
• Accreditation: Higher Learning Commission 

Here’s What Graduates Have to Say About Their Affordable Online Associate Degree in Accounting

• The affordability of the online program was a game-changer for me. Traditional college tuition felt out of reach, but this program allowed me to gain valuable accounting skills without breaking the bank. Plus, studying online meant I could avoid the hassle of commuting and the stress of finding childcare during the day. The online discussions and forums were surprisingly engaging, and I even made some virtual study buddies who kept me motivated. Now, with my degree, I feel prepared to take on the challenge of the accounting world. Mitchell

• Juggling work and family life left me with few options to pursue my accounting dream. But the online associate's degree program was a perfect fit! I could study during my breaks or late at night, whenever I had a free moment. The coursework was challenging, but the flexibility of the online format made it manageable. Now, with my newfound knowledge, I landed a bookkeeping job at a local startup, and I'm feeling confident and excited about my future in accounting. Denise

• I wasn't sure if online learning would be effective for such a technical field like accounting. But to my surprise, the program offered a great blend of interactive exercises, video lectures from experienced professors, and even some cloud-based accounting software training. The online format pushed me to become a more self-disciplined learner, which I know will be valuable in any career path. Now, with my newfound accounting skills, I'm confident about applying for entry-level accounting positions and launching a fulfilling career in finance. Lorelai

Key Findings

• An associate's degree program in accounting takes about 2 years to complete.
• An associate's degree in accounting qualifies you for entry-level accounting positions like bookkeeper, accounting clerk, and tax preparer.
• The cost of an associate's degree in accounting can vary, but the average tuition is $10,200, offset by an average scholarship of over $3,700 and an average grant package of over $6,000.
• An associate's degree in accounting allows you to pick specializations like tax accounting, bookkeeping, and financial analysis.
• According to the U.S. Bureau of Labor Statistics, the employment of accounting, bookkeeping, and auditing clerks is projected to decline 6% from 2022 to 2032. The employment of financial clerks is expected to decline by 7%.

How long does it take to complete an affordable online associate degree in accounting program?

An online associate’s degree in accounting program can take two years to complete. However, the actual length can vary depending on several factors, including the level of the program, the student’s enrollment status, and the specific requirements of the chosen institution. Enrollment status plays a crucial role as full-time students typically complete programs faster than part-time students. The presence of transferable credits from prior coursework can also help students complete the program sooner.

You can also look into an accelerated online accounting degree if you want to complete your coursework at a much faster pace.

How does an online associate in accounting degree compare to an on-campus program?

Here's a breakdown of how an online associate's degree in accounting program compares to an on-campus program:

Flexibility and Convenience

Online programs offer unmatched flexibility. You can study at your own pace, juggle work and personal commitments, and access materials from anywhere with an internet connection. On-campus programs, on the other hand, require attending scheduled classes and adhering to a set program structure, offering less flexibility in terms of scheduling.

Cost

Online programs have potentially lower tuition rates and fewer additional expenses. On-campus programs typically have higher tuition fees, along with potential costs for commuting, housing, and textbooks.

The image below will give you an idea of how cheaper online programs are compared to traditional programs.

Learning Experience

Online programs rely more on self-directed learning and strong time management skills. They may have fewer opportunities for hands-on practice in labs or in-person interaction with classmates and professors. On-campus programs, on the other hand, provide a structured learning environment with regular interaction with professors and classmates. They may offer more opportunities for hands-on labs or group projects.

Social Interaction

Online programs have limited face-to-face interaction, but many programs offer online forums, discussion boards, and video conferencing for interaction and collaboration. On-campus programs provide ample opportunities for in-person interaction with classmates and professors, fostering a stronger sense of community and potential networking opportunities.

Career Preparation

Both programs offer the foundational knowledge and skills needed for entry-level accounting jobs. However, on-campus programs might offer additional career services like career fairs or internship opportunities that can provide a head start in the job market.

What is the average cost of an affordable online associate degree in accounting?

According to AllAccountingCareers, there are over 1,700 associate accounting programs in the United States. Their average tuition cost is $10,200. This cost is offset by an average scholarship amount of $3,736 and an average grant package of $6,159. 

The overall cost of attendance for an associate’s degree in accounting varies greatly from college to college. This cost is greatly influenced by factors like whether it’s a private or public school, whether you are a state resident or an out-of-state student, and the school’s reputation.

What are the financial aid options for students enrolling in an online associate in accounting program?

Even though you're pursuing an online associate's degree, financial aid options are still available to help you manage the costs. Here's a breakdown of some key financial aid options to consider:

Federal Financial Aid

• Free Application for Federal Student Aid (FAFSA). This is the primary application for federal student aid programs. Fill out the FAFSA to determine your eligibility for grants, loans, and work-study programs. Even for online programs, you can qualify for federal aid.
• Federal Pell Grant. This need-based grant is awarded to undergraduate students (including online students) who demonstrate exceptional financial need. It typically does not require repayment.
• Federal Direct Subsidized Loans. These low-interest loans are available to undergraduate students with demonstrated financial need. The government pays the interest on subsidized loans while you're enrolled at least half-time, during grace periods, and during deferment periods.
• Federal Direct Unsubsidized Loans. Unlike subsidized loans, unsubsidized loans accrue interest from the time they are disbursed. You are responsible for paying the interest on unsubsidized loans while you are in school, during grace periods, and during deferment periods. However, eligibility for unsubsidized loans is not based on financial need.

State Grant Programs

Many states offer grant programs specifically for students enrolled in online programs. Research your state's financial aid office website to see what grant opportunities might be available.

Institutional Scholarships and Grants

Many colleges and universities offer their own scholarships and grants specifically for online students. Check the financial aid section of the program's website you're considering to see what scholarships or grants they offer.

Employer Assistance Programs

Some companies have tuition assistance programs in place for employees who decide to pursue higher education, especially academic programs that they consider the most useful degrees for the organization. So, if you're currently employed, your employer might offer tuition reimbursement or scholarship programs to help you cover educational expenses.

What are the prerequisites for enrolling in an affordable online associate degree in accounting program?

The prerequisites for enrolling in an affordable online associate's degree in accounting can vary slightly depending on the specific program and institution. However, here's a general idea of what to expect:

Basic Requirements

• High School Diploma or GED. All programs will require a high school diploma or equivalent (GED) as a baseline requirement.
• Official Transcripts. You'll need to submit official transcripts from any high schools and colleges you previously attended.

Math and English Skills

• Math Placement Test. Some programs might require you to take a math placement test to assess your basic math skills, particularly algebra.
• Prior Math Coursework. While a specific math course requirement might not be explicitly stated, a strong foundation in algebra is highly recommended for success in accounting courses.
• English Proficiency. Adequate English reading, writing, and comprehension skills are essential for understanding accounting concepts and effectively communicating financial information.

Additional Requirements (May Vary)

• Standardized Test Scores. A few programs, especially for competitive options, might require scores from exams like the SAT or ACT, although this is becoming less common.
• Computer and Learning Management App. Basic computer literacy and familiarity with using online learning platforms are necessary for success in an online program. You will also need to invest in a computer and a reliable internet service and install the required learning management system.

What courses are typically included in an affordable online associate degree in accounting program?

An affordable online associate's degree in accounting program will equip you with the foundational knowledge and skills to launch your career in finance. These courses include core accounting and taxation courses, general education courses, business essentials, and computer skills. Looking at these courses would tell you that an associate's degree in accounting can be one of those quick and easy online degrees—or not—depending on where your interest lies.

• Financial Accounting. This course delves into the fundamental principles of recording, classifying, and summarizing financial transactions. You'll learn how to prepare financial statements (income statement, balance sheet, cash flow statement) according to Generally Accepted Accounting Principles (GAAP).
• Managerial Accounting. This course focuses on using accounting information for internal decision-making within an organization. You'll learn about cost analysis, budgeting, and other techniques to support informed business choices. 
• Bookkeeping. Provides practical skills in recording financial transactions, maintaining ledgers, and reconciling accounts. You might also learn about bookkeeping software commonly used in the field.
• Intermediate Accounting. Builds upon the foundation of financial accounting and dives deeper into complex accounting concepts like intangible assets, inventory valuation, and revenue recognition.
• Introduction to Taxation. Introduces you to the basic principles of the U.S. tax system, including different tax types (income, payroll, sales), tax forms, and tax preparation procedures.
• Business Law. Provides a foundational understanding of legal concepts relevant to business operations, including contracts, business structures, and ethical considerations.
• Business Communication. Develops critical communication skills for effectively presenting and interpreting financial information in a clear and concise manner.
• Accounting Software. You'll gain hands-on experience with popular accounting software programs like QuickBooks or Xero, essential tools used by accounting professionals.

What types of specializations are available in online associate in accounting degree programs?

While specializations are more common in bachelor's degrees, some affordable online associate's degrees in accounting might offer a focus area or concentration to tailor your studies to specific interests. Here are a few potential specializations you might encounter:

• Tax Accounting. This concentration provides in-depth knowledge of tax laws and regulations, preparing you for careers in tax preparation, tax accounting, or bookkeeping with a focus on taxes. You might take additional courses on corporate taxation, individual taxation, and tax research.
• Accounting Software. This focus area emphasizes proficiency in advanced accounting software applications like QuickBooks Online Advanced, Xero, or Peachtree. You'll gain practical skills in using these programs for complex accounting tasks, making you more attractive to employers who rely heavily on such software.
• Bookkeeping Specialization. This concentration dives deeper into bookkeeping practices, internal controls, and payroll accounting. You'll learn about specialized bookkeeping software and best practices for managing accounts payable and receivable.
• Financial Analysis Concentration. This focus area introduces you to financial statement analysis, financial ratios, and basic financial modeling techniques. This specialization equips you with skills to support tasks like credit analysis, budgeting, and financial reporting.

Specializations are not offered by all online associate's degree programs in accounting. That is why it is crucial that you do your research about specific programs to see if they offer any focus areas that align with your interests. Moreover, if you plan on pursuing a bachelor's degree in accounting later, you need to make sure that the courses in your chosen specialization can transfer seamlessly to your bachelor's program. As such, it may help you to know that some specializations among certified public accountants (CPAs) can yield better employability than others. Check out the chart below to know which CPA specializations are more in demand.

How do you choose the best affordable online associate degree in accounting program?

You will need to consider several factors to determine which affordable online accounting degree program you should apply for. These factors include:

• Cost-Effective Tuition. Affordable programs offer competitive tuition rates, ensuring accessibility to a wide range of students without compromising educational quality.
• Financial Aid and Scholarships. Affordable programs often provide robust financial aid options and scholarship opportunities, easing the financial burden on students and making education more accessible.
• Online and Flexible Learning Options. Many affordable associate’s degree in accounting programs have embraced online learning, allowing students to save on commuting and accommodation costs. This also applies to affordable online economics master's programs and similar graduate degrees. Flexible scheduling options also cater to the needs of working individuals seeking cost-effective education.
• Accreditation and Quality Assurance. Despite the affordability, reputable programs maintain accreditation. Nationally accredited online universities and colleges ensure that the education they provide meets established standards, and this enhances the credibility of the degree.
• Career Placement Services. These programs prioritize students’ career success by offering comprehensive career placement services, including resume assistance, interview preparation, and job placement support.
• Updated Curriculum. While cost-effective, these programs maintain a relevant and updated curriculum, ensuring that students receive education aligned with the latest industry trends and standards.
• Low Additional Fees. Affordability extends beyond tuition, with cost-effective programs minimizing additional fees. This transparency helps students accurately assess the overall cost of their education. It also helps them pick a cheap online business degree or accounting degree from their narrowed-down list.

Is the affordable online associate degree in accounting accredited and recognized?

Accreditation confirms that a program meets established academic and industry standards, ensuring quality instruction and reliable credit transfer. Prospective students should verify if the institution is accredited by recognized bodies, as this recognition influences employer trust and further academic opportunities. This due diligence is critical when considering future educational advancements, such as pursuing an online master's degree in professional accounting, where a credential from an accredited institution can streamline the transition into a graduate program.

What career paths are available for graduates of an affordable online associate degree in accounting?

With an affordable online associate's degree in accounting, you can launch a rewarding career path in the world of finance. Here are some potential job options to consider:

Entry-Level Accounting Positions

• Bookkeeper. Responsible for maintaining financial records, recording transactions, and reconciling accounts. You might work for a small business or a specific department within a larger company.
• Accounting Clerk. Assists with various accounting tasks like accounts payable/receivable, data entry, and payroll processing.
• Junior Accountant. Provides support to senior accountants with tasks like general ledger maintenance, financial reporting preparation, and assisting with audits.
• Tax Preparer (with additional training/certification). Prepares tax returns for individuals or small businesses, ensuring accuracy and compliance with tax regulations.

Other Potential Roles

• Payroll Specialist. Processes payroll for employees, calculates deductions and withholdings, and ensures timely and accurate payment. 
• Accounts Payable/Receivable Specialist. Manages incoming payments from clients and outgoing payments to vendors, ensuring timely transactions and accurate recordkeeping.
• Financial Assistant. Supports financial teams with administrative tasks, data analysis, and preparing basic financial reports.

Beyond Traditional Accounting

• Bookkeeping Services Provider. With experience and additional qualifications, you could become a self-employed bookkeeper, offering services to small businesses or individuals. 
• Accounting Software Specialist. Utilize your software expertise to train others on accounting software or provide technical support to accounting teams.

The table below shows the average annual salary for certain careers available for graduates with an associate's degree in accounting.

While an online associate in accounting degree can be an interesting and lucrative field in less time, I understand that its unique challenges and discipline demands are not for everybody. Also, you may still be exploring which path to commit your life to or onto a graduate program already. If this is so, you may consider the following budget program options instead:

• affordable online MFT programs
• cheapest online LPN degrees
• cheap online associate's radiology programs

Are high-paying accounting careers achievable with an affordable online associate degree?

An affordable online associate degree in accounting can serve as a strategic stepping stone toward roles that offer notable earning potential. By building a solid foundation in fundamental accounting principles and developing proficiency with digital tools, graduates can pursue certifications and specialized training that qualify them for advanced roles. Targeted professional development—such as training in emerging financial technologies and process optimization—can open doors to positions in niche sectors of accounting. For example, progressing into roles like management accounting can significantly enhance career prospects and income. For detailed insights on potential earnings in specialized fields, consider exploring the management accountant salary.

What is the job market for graduates with an affordable online associate degree in accounting?

According to the U.S. Bureau of Labor Statistics, the employment of accounting, bookkeeping, and auditing clerks is projected to decline 6% from 2022 to 2032. However, despite this decline, about 183,900 openings for these jobs are projected each year over this 10-year period. These openings are expected to result from the need to replace workers retiring, exiting the workforce for other reasons, or shifting to other occupations.

The employment of financial clerks is also expected to decline -- by 4%. However, about 116,600 openings are projected each year over the decade.

This reduced demand for accounting, bookkeeping, auditing, and financial clerks can be attributed to technological change. More specifically, innovations in software are automating many of the tasks that these professionals perform. As a result, the same amount of work can be done with fewer employees.

Can an online associate degree in accounting lead to a career in actuarial science?

An online associate’s degree in accounting builds a solid quantitative foundation and detailed financial acumen, which can support a later transition into actuarial science. Actuarial roles require a deep understanding of statistics, risk evaluation, and advanced mathematical concepts that complement core accounting skills. Students aiming to move into this field should consider targeted supplemental coursework or certifications that address these areas and prepare them for the rigorous actuarial examinations. For insights into the educational trajectory and certification requirements, review How long does it take to become an actuary?.

How can I leverage my associate degree to pursue CPA certification?

Earning an associate degree in accounting establishes the initial academic foundation for advancing to CPA licensure. Pursuing CPA certification typically requires completion of additional upper-division accounting courses and meeting specific credit hour requirements. Students should explore transfer agreements with accredited four-year institutions that provide streamlined pathways to fulfill these criteria while enhancing their designations through focused examination preparation and state-specific licensing guidance. For detailed certification steps and requirements, review how to become a CPA in USA.

How can an online associate degree in accounting help with further academic and career advancement?

Pursuing an online associate degree in accounting isn't just a great way to kickstart your career; it also lays a strong foundation for further academic and professional growth. By completing this degree, you can transition smoothly into bachelor's programs, certifications, or even specialized graduate studies.

Advanced Degrees and Certifications

An associate degree can act as a stepping stone to a bachelor's degree in accounting, finance, or business administration, which opens doors to more advanced career roles. For those looking to enhance their expertise without committing to a full bachelor's program, consider pursuing a graduate certificate in accounting. This allows you to specialize in key areas like forensic accounting or tax preparation, which can boost your qualifications and job prospects significantly.

Professional Certifications

Obtaining an associate degree is often a prerequisite for certifications like the Certified Bookkeeper (CB) credential and the QuickBooks Certified User certification. These credentials can increase your marketability and earning potential. Moreover, for those considering becoming a Certified Public Accountant (CPA), an associate degree provides the foundational coursework needed to pursue this path.

Career Progression and Industry Networks

Through internships, mentorships, and professional organizations often accessible during associate programs, students can build valuable networks in the accounting and finance industries. These connections not only provide immediate job opportunities but can also serve as resources for long-term career growth.

Investing in an online associate degree in accounting today can create pathways for both immediate employment and future academic and career advancements, giving you the flexibility to adapt to evolving industry demands.

Which bookkeeping certification is best?

Professional certifications can further validate your expertise and set you apart in the competitive accounting field. In particular, obtaining a bookkeeping certification provides a streamlined transition from foundational accounting skills to specialized competencies demanded by employers. Carefully evaluate certification programs that offer practical training, industry-recognized credentials, and pathways for continuous learning. For detailed insights into available programs, review Which bookkeeping certification is best? to determine the program that aligns with your career aspirations and enhances your professional portfolio.

How do I choose the right accounting specialization for my career goals?

Selecting an accounting specialization demands a clear alignment between your career aspirations and market trends. Evaluate each focus area’s curriculum, industry demand, and long‐term growth potential to determine which path fits your professional objectives. Consider factors such as the nature of work, employer expectations, and opportunities for advancement when making your decision. For a detailed analysis that balances these elements, refer to the specialization in accounting resource.

What are the fastest ways to complete an online associate degree in accounting?

Accelerating the time it takes to complete an online associate degree in accounting is possible with specific strategies. By taking advantage of flexible learning options and innovative program structures, you can graduate sooner while maintaining a high-quality educational experience.

Explore Accelerated Degree Programs

Many institutions offer accelerated associate degree programs that condense coursework into shorter terms, allowing students to complete their studies more quickly than traditional timelines. These programs often require a significant time commitment but can help you earn your degree in as little as 12 to 18 months.

Maximize Transferable Credits

If you’ve previously completed relevant coursework or earned credits through Advanced Placement (AP), dual enrollment, or professional certifications, you may be able to transfer them into your program. This can significantly reduce the number of courses needed for graduation, saving both time and money.

Opt for Year-Round Enrollment

Traditional academic schedules often include breaks during the summer or winter months. By choosing a program with year-round enrollment options, you can continuously work toward completing your degree. This can cut down the overall completion time by several months.

Enroll in Competency-Based Programs

Competency-based education allows you to progress at your own pace, completing courses as soon as you demonstrate mastery of the subject matter. This format is ideal for motivated students who want to move through material quickly and graduate sooner.

Related Opportunities: Easy Associate Degrees Online

If you're considering other degree options, exploring easy associate degrees online can provide additional insights into programs that align with your career goals while offering flexibility and speed.

How will emerging technologies shape the accounting profession?

The rapid integration of automation, artificial intelligence, and cloud-based solutions is transforming traditional accounting functions. Employers now increasingly value technical proficiency alongside core accounting knowledge. Graduates with an online associate degree must proactively update their digital literacy and explore opportunities to engage with emerging software and data analytics tools. This focus on technological adaptability can enhance your professional profile and open pathways to advanced studies—such as pursuing the cheapest online finance masters degree—that further emphasize the synergy between accounting expertise and technological innovation.

What support services are available for students in online associate degree accounting programs?

One often overlooked aspect when choosing an online associate degree in accounting is the availability of student support services. These services play a critical role in ensuring students succeed academically and professionally, particularly in online learning environments where self-discipline and independent study are vital.

Many programs provide virtual access to academic advisors who help students navigate course selections, manage workloads, and plan for graduation. Additionally, career counseling services are commonly offered, assisting students in building résumés, preparing for job interviews, and exploring internships or entry-level roles in accounting. Some programs also include access to tutoring services and peer learning groups to help students grasp complex accounting concepts such as financial reporting and taxation.

For those aiming to complete their degrees on a flexible timeline, accelerated programs often include tailored support to keep students on track. For example, you can explore options like how to get an associate's degree in 6 months and see how institutions provide resources to help students achieve their goals in a condensed timeframe. By taking advantage of these services, students can enhance their learning experience and transition smoothly into the workforce or further education.

Other Things You Should Know About Affordable Online Accounting Programs

What is the basic understanding of accounting?

Accounting is the essential language of business, recording financial transactions (like income and expenses) and transforming them into clear reports. This financial storytelling allows business owners, investors, and even the government to understand a company's health, track its performance, and make informed decisions about its future.

What are the basic concepts of accounting?

The core of accounting boils down to three pillars: recording, classifying, and summarizing financial activity. Every transaction is meticulously documented, then categorized (assets, liabilities, etc.), and finally presented in clear reports like a balance sheet, which is what you own and owe, and an income statement, which is your profit or loss. Following these principles ensures transparency and provides a reliable picture of a business's financial well-being.

What is the accounting course all about?

Accounting courses equip you with the skills to be the financial translator of a business. You'll learn to record every financial move (income, expenses, etc.) in a specific language, then organize it into clear reports. These reports tell the story of a company's health, allowing owners, investors, and even the government to make informed decisions about its future.

What skills should an accounting assistant have?

An accounting assistant needs a strong foundation in technical skills and a knack for detail.  This includes proficiency in accounting software like QuickBooks or Xero, where they'll record financial transactions, manage accounts payable and receivable, and reconcile bank statements.  Accuracy is paramount, as even minor errors can have cascading effects on the financial reports.

Beyond technical skills, an accounting assistant also needs strong organizational and communication abilities. They'll juggle multiple tasks, prioritize deadlines, and collaborate with other departments.  Being able to explain complex financial concepts in a clear and concise way is crucial for interacting with colleagues and clients who may not have an accounting background.

References:

• Hanson, M. (2023, August 23). Cost of Online Education vs. Traditional Education [2023]: Comparison. Education Data Initiative. Education Data Initiative.

• AllAccountingCareers. (n.d.) Accounting Associate’s Degree Programs. AllAccountingCareers.

• Payscale. (2024). Average Accountant Salary. Payscale.

• United States Bureau of Labor Statistics. (2024, April 17). Occupational Outlook Handbook: Bookkeeping, Accounting, and Auditing Clerks. BLS.
• United States Bureau of Labor Statistics. (2024, April 3). Occupational Employment and Wage Statistics: 13-2082 Tax Preparers. BLS.
• United States Bureau of Labor Statistics. (2024, April 3). Occupational Employment and Wage Statistics: 43-3099 Financial Clerks, All Other. BLS.
• United States Bureau of Labor Statistics. (2024, April 3). Occupational Employment and Wage Statistics: 43-3031 Bookkeeping, Accounting, and Auditing Clerks. BLS.
• United States Bureau of Labor Statistics. (2024, April 3). Occupational Employment and Wage Statistics: 43-3051 Payroll and Timekeeping Clerks. BLS.
• Gallup, Inc. (2023, July 20). The State of Higher Education 2022 Report: How has the pandemic affected student enrollment? Gallup.