# Alternatives to Bookkeeper360

> Source: https://tickmarkbooks.com/bookkeeper360/alternatives/ (re-verified)
> Updated: 28 October 2026

## At a glance

| Name | Best for | Starts at | A month at 100 transactions | Better than Bookkeeper360 at | Checked |
| --- | --- | --- | --- | --- | --- |
| [Bookkeeper360](https://tickmarkbooks.com/bookkeeper360.md) | Startups and growing small businesses wanting books, tax and CFO help from one US team | From $19 a month | $638 | — | 27 October 2026 |
| [FreeAgent](https://tickmarkbooks.com/freeagent.md) | UK sole traders and small limited companies filing their own VAT and Self Assessment | From about $13 a month | About $25 | Cost for a solo freelancer, Ledger included | 26 October 2026 |
| [Zoho Books](https://tickmarkbooks.com/zoho-books.md) | Small businesses and startups that want one ledger plus the wider Zoho app suite | Free, then $20 a month | $20 | Cost for a solo freelancer, Ledger included | 26 October 2026 |
| [Puzzle](https://tickmarkbooks.com/puzzle.md) | A US startup on Mercury, Brex, Ramp, Stripe and Gusto that wants to replace QuickBooks | Price not established | $30 | Ledger included, Setup or onboarding fee | 26 October 2026 |
| [Pilot](https://tickmarkbooks.com/pilot.md) | A US startup or small business that wants its books done for it in QuickBooks Online | Price not established | $137 | Categorizes transactions, Square | 26 October 2026 |
| [Booke AI](https://tickmarkbooks.com/booke-ai.md) | A business or bookkeeping firm already on QuickBooks Online or Xero | Price not established | $156 | Categorizes transactions, Getting your books out | 26 October 2026 |
| [Stampli](https://tickmarkbooks.com/stampli.md) | Finance teams with high invoice volume, many approvers and several entities | On quote | — | Categorizes transactions, Pays your bills | 26 October 2026 |
| [SimpleAI](https://tickmarkbooks.com/simpleai.md) | Accounting firms and finance teams processing high volumes of invoices and bank statements | From $79 a month | $106 | Cost for a solo freelancer, Past your plan’s limits | 27 October 2026 |
| [Xero](https://tickmarkbooks.com/xero.md) | Small businesses wanting the whole team and their advisor on the books, no per-user fees | From $27 a month | $27 | Cost for a solo freelancer, Ledger included | 28 October 2026 |
| [FreshBooks](https://tickmarkbooks.com/freshbooks.md) | Service businesses and freelancers who bill clients and want their books in the same place | From $23 a month | $43 | Cost for a solo freelancer, Ledger included | 28 October 2026 |

“About” figures are converted at the European Central Bank rate of 30 October 2026.

The ones people open most here come first, then the closest matches.

## Shortlist

### 1. FreeAgent

UK cloud accounting with HMRC filing, bank feeds and AI receipt capture, priced per business type.

**Where it improves on Bookkeeper360:**
- [Cost for a solo freelancer: yes — A freelancer pays the Sole trader plan: £19 a month (about $25) plus VAT at the regular rate, £9.50 (about $13) for the first six months, with bank feeds and receipt capture included and no per-transaction charge.](https://www.freeagent.com/pricing/)
- [Ledger included: yes — FreeAgent is the accounting ledger itself: it keeps the books, builds the accounting reports and files the returns, so no QuickBooks or Xero subscription sits underneath it.](https://www.freeagent.com/features/accounting-software/)
- [Setup or onboarding fee: no — The vendor states plainly that it charges nothing to set up an account, and the UK pricing page lists no onboarding or implementation fee beside any plan.](https://www.freeagent.com/us/pricing/)

**Trade-offs against Bookkeeper360:**
- [What the AI costs: partial — included in every plan for smart categorization and the first ten captures a month; processing more than ten receipts or bills needs the £5 (about $6.70)-a-month Smart Capture Unlimited add-on.](https://www.freeagent.com/pricing/)
- [Accrual books and reports: partial — It keeps accruals-basis books with automatic accounting reports, a dashboard profit and loss and limited-company Final Accounts; what it publishes for cash is a Cashflow forecast, not a monthly cash flow statement.](https://www.freeagent.com/pricing/)
- [People check the books: no — Checking the AI is yours: Smart Capture ends with you approving each captured bill or receipt, and no plan includes a bookkeeper reviewing the books, only UK support accountants answering questions.](https://www.freeagent.com/features/expenses/)

[View FreeAgent](https://tickmarkbooks.com/freeagent)

### 2. Zoho Books

Cloud accounting ledger with Zia AI, bank feeds, sales tax and 1099 e-filing, from $20 a month.

**Where it improves on Bookkeeper360:**
- [Cost for a solo freelancer: yes — A freelancer with bank feeds and receipt capture needs the Standard plan at $20 per organization a month billed monthly, since bank feeds start there.](https://www.zoho.com/us/books/pricing/)
- [Ledger included: yes — Zoho Books is the accounting ledger itself, so no QuickBooks or Xero subscription sits underneath it; the plan fee covers invoicing, banking, journals and the reports.](https://www.zoho.com/us/books/pricing/)
- [Sends invoices: yes — Invoices, recurring invoices, credit notes, payment reminders and a customer portal are on every plan, with online payment links and offline payments recorded against the invoice.](https://www.zoho.com/us/books/pricing/pricing-comparison.html)

**Trade-offs against Bookkeeper360:**
- [Promotion and regular price: no — none — the $20 Standard rate is the standing month-to-month price; the lower $15 figure is simply the yearly billing rate, not a time-limited introductory offer.](https://www.zoho.com/us/books/pricing/)
- [Stripe: partial — Stripe, PayPal, Square and Authorize.Net are supported payment gateways and Shopify stores connect on Elite and above (up to two)](https://www.zoho.com/us/books/pricing/pricing-comparison.html)
- [Shopify: partial — Stripe, PayPal, Square and Authorize.Net are supported payment gateways and Shopify stores connect on Elite and above (up to two)](https://www.zoho.com/us/books/pricing/pricing-comparison.html)

[View Zoho Books](https://tickmarkbooks.com/zoho-books)

### 3. Puzzle

AI-native accounting software with optional bookkeeper services for startups and small businesses.

**Where it improves on Bookkeeper360:**
- [Ledger included: yes — It is the ledger; no QuickBooks or Xero needed. Puzzle is a double-entry general ledger of its own, sold as a QuickBooks replacement (Core card: 'Your QuickBooks replacement').](https://puzzle.io/legal/faq)
- [Setup or onboarding fee: no — No setup fee; onboarding calls are free. No plan card or FAQ names a setup or onboarding fee.](https://help.puzzle.io/en/articles/7179694-quick-start-guide)
- [Categorizes transactions: yes — Categorizes by itself and learns from you. Every plan auto-categorizes ('Up to 98% auto-categorization' on Starter).](https://help.puzzle.io/en/articles/6986850-rules-and-categories)

**Trade-offs against Bookkeeper360:**
- [Reconciles your accounts: partial — You reconcile on Starter; AI drafts it from Complete. Every plan has a reconciliation screen where you match the month's transactions to the statement until the difference is $0, then Puzzle runs an auto-validation check.](https://help.puzzle.io/en/articles/6986882-how-to-reconcile-bank-and-credit-card-accounts-in-puzzle)
- [Accrual books and reports: partial — Cash and accrual P&L and balance sheet; no cash flow. Every plan keeps cash and accrual books at once ('Cash & accrual books' on Starter) and drafts a balance sheet and profit and loss.](https://help.puzzle.io/en/articles/8441346-what-reports-does-puzzle-provide)
- [People check the books: partial — Only with a paid service; software plans: you check. On the software plans (Starter, Core, Complete, Scale) you close the books yourself, and Puzzle support does not do bookkeeping.](https://puzzle.io/pricing)

[View Puzzle](https://tickmarkbooks.com/puzzle)

### 4. Pilot

A bookkeeping and tax service for startups that pairs software-driven dashboards with human financial advisors.

**Where it improves on Bookkeeper360:**
- [Categorizes transactions: yes — AI categorizes and learns your patterns. The AI Accountant categorizes transactions, reconciles accounts and identifies vendors.](https://pilot.com/platform/ai-accountant)
- [Square: yes — PayPal, Square listed](https://pilot.com/platform/integrations)
- [Getting your books out: yes — QuickBooks Online file handed to you. When bookkeeping ends, Pilot hands you primary administrator status of the QuickBooks Online account, so you keep the full ledger in QuickBooks Online (continuing the Intuit subscription yourself) or export it.](https://pilot.com/terms/client-terms)

**Trade-offs against Bookkeeper360:**
- [Catching up past months: partial — Offered; no price published. Pilot says it offers catch-up bookkeeping, but the pricing page and FAQ carry no catch-up product or price.](https://pilot.com/blog/bench-vs-pilot-bookkeeping-service)
- [Accrual books and reports: partial — Cash basis on Essentials; accrual on Core. Essentials is cash-basis bookkeeping only.](https://pilot.com/pricing)
- [People check the books: partial — Bookkeeper reviews on Core; Essentials is AI only. Essentials is described as AI doing the work ('AI categorizes transactions, reconciles accounts, and closes books monthly'), with support by in-app message.](https://pilot.com/pricing)

[View Pilot](https://tickmarkbooks.com/pilot)

### 5. Booke AI

An AI bookkeeper that works inside QuickBooks Online and Xero to categorize transactions and match documents.

**Where it improves on Bookkeeper360:**
- [Categorizes transactions: yes — Daily, and learns from your approvals and fixes. It processes new QuickBooks Online and Xero bank-feed transactions in a daily run, categorizes them from the client's own history, sends low-confidence ones to your team, and uses each approval or correction for later categorizations.](https://booke.ai/quickbooks-online)
- [Getting your books out: yes — Books stay in your ledger; 30 days to export the rest. The ledger never leaves QuickBooks Online or Xero, so the general ledger and reports stay with you.](https://booke.ai/data-handling)
- [For accounting firms: yes — Firm plan: many clients, white label; price on request. A separate plan for accounting firms adds multi-client management, a white-label client experience, custom pricing and priority onboarding to everything in Business.](https://booke.ai/pricing)

**Trade-offs against Bookkeeper360:**
- [Reconciles your accounts: partial — Prepares reconciliation; your team completes it. In QuickBooks Online it prepares work for reconciliation and does not promise a reconciled file; in Xero it can perform 'supported reconciliation actions for eligible configured cases' and leaves the rest open.](https://booke.ai/bookkeeping-automation-software)
- [People check the books: no — No: software only; your team reviews exceptions. No bookkeeper or accountant from Booke reviews the work on any plan.](https://booke.ai/)
- [Your own bookkeeper: no — No bookkeeper is included. No bookkeeper or accountant comes with any plan.](https://booke.ai/)

[View Booke AI](https://tickmarkbooks.com/booke-ai)

### 6. Stampli

Procure-to-pay workspace for invoices, vendors, payments and card spend, with AI coding and routing.

**Where it improves on Bookkeeper360:**
- [Categorizes transactions: yes — Billy applies your coding patterns to the fields of the accounting system you run, and reviewed corrections feed back into later suggestions; a person still confirms before posting.](https://www.stampli.com/billy/)
- [Pays your bills: yes — This is the core of the product: invoices are captured, coded, routed for approval and then paid by check, bank transfer, virtual card or international payment in the same workflow.](https://www.stampli.com/payments/)
- [QuickBooks Desktop: yes — Stampli connects to more than seventy accounting systems, QuickBooks Online, QuickBooks Desktop and Oracle NetSuite among them, each with its own integration page](https://www.stampli.com/accounting-systems-erps/)

**Trade-offs against Bookkeeper360:**
- [Reconciles your accounts: partial — Payments are reconciled one-to-one against the bank transaction and the record in your accounting system, but Stampli reconciles its own payments rather than closing out every bank and card account each month.](https://www.stampli.com/payments/)
- [Your own bookkeeper: partial — Every customer gets a named Customer Success contact and support staffed by former accounts payable practitioners, but that is product help rather than a bookkeeper keeping your books.](https://www.stampli.com/customer-support/)
- [Payroll: no — none built in: approved out-of-pocket claims are prepared for whatever payroll the company already uses, and the vendor says payroll still pays the employee.](https://www.stampli.com/expenses/)

[View Stampli](https://tickmarkbooks.com/stampli)

### 7. SimpleAI

AI agents that extract, classify and reconcile accounting documents, then publish them into Xero or QuickBooks.

**Where it improves on Bookkeeper360:**
- [Cost for a solo freelancer: yes — A one-person business can start on NOVA's Starter plan at S$39 a month for 30 document credits, one entity and three users; the SAAM accounting module's own entry plan is US$79 a month plus the Xero or QuickBooks subscription it publishes into.](https://simpleaiworks.com/en/solutions/nova)
- [Past your plan’s limits: yes — Past the monthly credit allowance you buy add-on packs at a published rate, but the number of packs is capped per month, so very heavy months force a plan upgrade rather than open-ended overage.](https://simpleaiworks.com/en/pricing)
- [Setup or onboarding fee: no — The vendor states onboarding, training and ongoing assistance are in every plan, and no one-time setup or implementation fee appears on any plan card or in the pricing FAQ.](https://simpleaiworks.com/en/pricing)

**Trade-offs against Bookkeeper360:**
- [Promotion and regular price: no — none on the SAAM plan cards: the only discount the vendor names on them is 10% for annual billing, and the separate Bank Statement Extraction module is the one that runs a labeled limited-time promotion.](https://simpleaiworks.com/en/pricing)
- [Accrual books and reports: partial — Financial statements come from NOVA, which generates Balance Sheets and Cash Flow Statements on request, whereas SAAM prepares entries for your own ledger to report from; neither page says the books are kept on an accrual basis.](https://simpleaiworks.com/en/solutions/nova)
- [People check the books: no — No bookkeeper of the vendor's checks the output: review sits with you inside the platform, and NOVA requires human approval before anything is committed to the records.](https://simpleaiworks.com/en/contact)

[View SimpleAI](https://tickmarkbooks.com/simpleai)

### 8. Xero

Small-business ledger with a JAX assistant that answers questions in plain language; unlimited users on every plan.

**Where it improves on Bookkeeper360:**
- [Cost for a solo freelancer: yes — The cheapest public plan, Early, is $27 a month after the promotion and includes bank reconciliation, Smart Document Capture and reporting, so one freelancer with roughly 30 transactions pays that.](https://www.xero.com/us/pricing-plans/)
- [Ledger included: yes — Xero is the double-entry ledger itself, so no QuickBooks or Xero subscription sits underneath it; the plan price is the whole accounting bill.](https://www.xero.com/us/)
- [Setup or onboarding fee: no — No one-time setup or onboarding charge: setup help is listed as a free part of every plan, and onboarding specialists come with the first 90 days.](https://www.xero.com/us/pricing-plans/)

**Trade-offs against Bookkeeper360:**
- [Notice before a price rise: partial — The pricing page reserves the right to change prices at any time, while the terms promise a reasonable effort to give 60 days notice of material changes, so the notice is an endeavor rather than a guarantee.](https://www.xero.com/us/legal/terms/)
- [Payroll: partial — add-on: payroll is not in the plan price but is sold beside it as Xero Payroll powered by Gusto at $36 a month plus $6 per employee or contractor, on any plan.](https://www.xero.com/us/pricing-plans/)
- [Inventory: partial — Basic stock tracking comes with every plan, while multichannel selling, reorder points and shipping need the paid Xero Inventory Plus add-on, which the comparison table marks optional on Growing and Established only.](https://www.xero.com/us/accounting-software/manage-inventory/)

[View Xero](https://tickmarkbooks.com/xero)

### 9. FreshBooks

Double-entry small-business ledger built around invoicing, with a read-only Claude connector for questions.

**Where it improves on Bookkeeper360:**
- [Cost for a solo freelancer: yes — A freelancer pays $23 a month on Lite, which imports bank and card transactions automatically and tracks expenses; automatic receipt data capture and bank reconciliation only begin on Plus at $43.](https://www.freshbooks.com/pricing)
- [Ledger included: yes — FreshBooks is the ledger itself, with its own chart of accounts and double-entry reports, so no QuickBooks or Xero subscription sits underneath it; double-entry reports start on Plus.](https://www.freshbooks.com/pricing)
- [Categorizes transactions: yes — Connected bank and card feeds are categorized automatically and receipts are scanned into categories with tax time in mind; the pages do not say whether it learns from your corrections.](https://www.freshbooks.com/)

**Trade-offs against Bookkeeper360:**
- [Notice before a price rise: no — The terms promise no notice period: FreshBooks may change the fees at any time and says modifications take effect immediately once it emails you or posts a notice.](https://www.freshbooks.com/policies/terms-of-service)
- [Reconciles your accounts: partial — Bank reconciliation is a real feature but it is withheld from the cheapest paid plan: the comparison table gives it to Plus, Premium and Select and leaves the Lite column blank.](https://www.freshbooks.com/pricing)
- [Accrual books and reports: partial — Profit and Loss, Balance Sheet and Trial Balance reports are produced from a double-entry ledger, but double-entry accounting reports are withheld from Lite, and no page says whether the books are kept on an accrual basis.](https://www.freshbooks.com/accounting)

[View FreshBooks](https://tickmarkbooks.com/freshbooks)