Accounting software tools with a free plan

IN

Inkle

US accounting software with AI categorization, plus bookkeepers, tax filing and compliance in one app.

ZI

ZipBooks

Free-forever double-entry books whose machine learning categorizes transactions and learns from your corrections.

WA

Wave

Free double-entry books for solo owners, with bank imports, receipts and payroll kept behind the paid Pro Plan.

QS

QuickBooks Solopreneur

Intuit's one-person-business ledger: bank feeds, receipts, mileage and Schedule C tax readiness.

ZB

Zoho Books

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

FR

FreeAgent

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

AK

Akaunting

Open-source small-business books you host free yourself or run on its cloud, extended by 50+ paid apps.

QO

QuickBooks Online

Intuit's cloud ledger, now with Intuit Intelligence agents that categorize, reconcile and flag errors.

BI

BILL

AP, AR and card spend on one platform, with AI agents that code bills and chase vendor W-9s.

EV

Everlance

Mileage and expense tracking app for the self-employed, with tax filing on its top plan.

EX

Expensify

Receipt scanning, company cards, bill pay and reimbursements that feed QuickBooks, Xero or NetSuite.

ME

Melio

Bill pay and invoicing for US small businesses, with AI bill capture and QuickBooks, Xero and NetSuite sync.

SN

SnapTax

Year-round quarterly tax estimates for 1099 workers, built on uploaded bank statements instead of bank connections.

VM

Veryfi Expense Management

Receipt and bill capture that reads the paperwork and syncs the expense to QuickBooks or Xero.

ZE

Zoho Expense

Travel, expense and corporate card management with Zia AI receipt capture, from $4 per user a month.