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Accounting and bookkeeping: what 23 tools cost

Invoicing, bank reconciliation and financial reporting for a small business. Every price below 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 does not include it. Read from each vendor's own material and dated.

Ordered by what it costs, cheapest first, starting at Free. 16 more products do this and have no researched price, so they are not listed here.
Financial Tools Varo Verified 2026-08-22 Budgeting and savings goal tools Free Varo Standardthe plan this buyer lands on Details → Receipt Scanning Expensify Verified 2026-08-22 Automated expense capture via mobile app, email, or file upload with AI categorization $5/mo Collectthe plan this buyer lands on Details → Expense Reports Expensify Verified 2026-08-22 Automated submission, approval, and reimbursement processing within one business day $5/mo Collectthe plan this buyer lands on Details → Cloud Accounting Profitbooks Verified 2026-08-22 Full accounting software with invoicing, expense tracking, reporting $15/mo SMB Planthe plan this buyer lands on Details → Expense Management Ramp Verified 2026-08-22 Automated expense tracking and policy enforcement $15/mo Plusthe plan this buyer lands on Details → Spend Controls Ramp Verified 2026-08-22 Real-time spending limits and approval workflows $15/mo Plusthe plan this buyer lands on Details → Free Accounting Software Wave Verified 2026-08-22 Free cloud accounting with invoicing and expense tracking $19/mo Prothe plan this buyer lands on Details → Invoice Management Wave Verified 2026-08-22 Create and send professional invoices $19/mo Prothe plan this buyer lands on Details → Financial Reports Wave Verified 2026-08-22 Generate P&L, balance sheet, and tax reports $19/mo Prothe plan this buyer lands on Details → Zoho Books Zoho Verified 2026-08-22 Cloud accounting software for invoicing and finances $20/mo Standardthe plan this buyer lands on Details → Xero Early Xero Verified 2026-08-22 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 Verified 2026-08-22 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. $29.9/mo Mercury Plusthe plan this buyer lands on Details → Lili Business Banking Lili Verified 2026-08-22 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 Smartthe plan this buyer lands on Details → Cloud Accounting and Invoicing FreshBooks Verified 2026-08-22 Invoicing with automatic reminders and online payment, on double-entry books aimed at service businesses rather than retailers. $43/mo Plusthe plan this buyer lands on Details → Expense Tracking FreshBooks Verified 2026-08-22 Bank-feed import, receipt capture and categorisation, with billable expenses attached to the client they belong to. $43/mo Plusthe plan this buyer lands on Details → Automated Financial Statements Joiin Verified 2026-08-22 Automatic generation of profit/loss statements, balance sheets, and financial reports. $45/mo Small (5 entities, annual billing)the plan this buyer lands on Details → Financial Analytics Joiin Verified 2026-08-22 Insights into business financial performance with charts, trends, and KPIs. $45/mo Small (5 entities, annual billing)the plan this buyer lands on Details → Customizable Reports Joiin Verified 2026-08-22 Generate custom financial reports for internal decision-making and lending applications. $45/mo Small (5 entities, annual billing)the plan this buyer lands on Details → Xero Growing Xero Verified 2026-08-22 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 Xero Verified 2026-08-22 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 → A2X Accounting Platform A2X Verified 2026-08-22 Cloud-based ecommerce accounting software $100/mo Standard PlansCore accounting platform suitable for mid-size ecommerce operations Details → Heard Heard Verified 2026-08-24 Accounting for therapy practices $169/mo Essentialthe plan this buyer lands on Details → Business Tax Suite TaxSlayer Verified 2026-08-22 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 Businessthe plan this buyer lands on 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.