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Accounting and bookkeeping: what 9 tools cost

Invoicing, bank reconciliation and financial reporting for a small business. Every price is the plan a buyer actually lands on to get this capability — not the headline figure on the pricing page, and not the free tier that leaves it out.

9 tools, 16 plans pricedfrom $58 more with no published priceread 2026-09-26

Receipt Scanning Expensify Automated expense capture via mobile app, email, or file upload with AI categorization $5/mo Collect Details → Expense Reports Expensify Automated submission, approval, and reimbursement processing within one business day $5/mo Collect Details → Expense Management Ramp Automated expense tracking and policy enforcement $15/mo Plus Details → Spend Controls Ramp Real-time spending limits and approval workflows $15/mo Plus Details → Free Accounting Software Wave Free cloud accounting with invoicing and expense tracking $19/mo Pro Details → Invoice Management Wave Create and send professional invoices $19/mo Pro Details → Financial Reports Wave Generate P&L, balance sheet, and tax reports $19/mo Pro Details → Zoho Books Cloud accounting software for invoicing and finances $20/mo Standard Details → Xero Early Entry-level cloud accounting for freelancers and micro-businesses with capped invoices and bills per month. $25/mo EarlyCheapest published Xero plan and the natural landing tier for freelancer/solopreneur audiences. Details → Business Banking Mercury FDIC-insured (up to $5M via partner banks) checking and savings accounts for startups and businesses — no monthly fees or minimums, with up to 3.89% yield on idle cash through Mercury's Treasury option. $29.90/mo Mercury Plus Details → Lili Business Banking Free business checking account with a Visa debit card, invoicing, bill pay, automated bookkeeping categorization, and tax tools — built for freelancers and small businesses that want banking and basic accounting handled in one no-fee account. $35/mo Smart Details → Cloud Accounting and Invoicing FreshBooks Invoicing with automatic reminders and online payment, on double-entry books aimed at service businesses rather than retailers. $43/mo Plus Details → Expense Tracking FreshBooks Bank-feed import, receipt capture and categorisation, with billable expenses attached to the client they belong to. $43/mo Plus Details → Xero Growing Unlimited-transaction accounting with dashboards and financial health scorecards for small businesses scaling past startup volume. $55/mo GrowingMid-tier plan most small businesses land on once invoice/bill caps become a problem. Details → Xero Established Full-featured accounting with multicurrency, project tracking, expense claims, and cash-flow forecasting for more complex operations. $90/mo EstablishedTop published plan, required for multicurrency, project tracking, and advanced forecasting features. Details → Business Tax Suite TaxSlayer Business tax filing for S-corps, partnerships, and multi-member LLCs (Forms 1120-S, 1065) delivered through the Self-Employed edition, alongside self-employment deduction guidance — covers everything from a sole proprietor's Schedule C to more complex pass-through entities. $199.95/mo Business Details →

This page compares what each tool does and what it costs. It does not name a winner: picking one honestly needs a researched verdict for every option, and the corpus does not carry those yet — so nothing here is ranked by anything but price.

When these prices change, we send a note

Vendors change plans and quietly move capabilities between tiers. We re-read the terms and send one note a week with what moved — including accounting and bookkeeping.

One note a week, every figure dated and linked to its source. Unsubscribe in one click; we never sell or share the address.