Top 9 of 44 alternatives
fileLedger by fileAI alternatives: 3 of 9 have a free plan
The closest alternatives to fileLedger by fileAI in October 2026 are Zoho Books, FreeAgent and Puzzle.
9 tools compared · entry plans $13.40 to $79 a month · 3 with a free plan · prices checked 26–28 October 2026
Reviewed by the Tick Mark Books editorial team.
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fileLedger by fileAI and its alternatives at a glance
| Tool | Best for | Starts at | A month at 100 transactions | Better than fileLedger by fileAI at | Checked |
|---|---|---|---|---|---|
| fileLedger by fileAI | Small accounting firms drowning in client invoices and statements that already run on Xero | From $13 a month source | $40 | 28 October 2026 | |
| Zoho Books | Small businesses and startups that want one ledger plus the wider Zoho app suite | Free, then $20 a month source | $20 | Cost for a solo freelancer, Ledger included | 26 October 2026 |
| FreeAgent | UK sole traders and small limited companies filing their own VAT and Self Assessment | From about $13 a month source | About $25 | Cost for a solo freelancer, Promotion and regular price | 26 October 2026 |
| Puzzle | A US startup on Mercury, Brex, Ramp, Stripe and Gusto that wants to replace QuickBooks | Price not established | $30 | Ledger included, What the price is based on | 26 October 2026 |
| Booke AI | A business or bookkeeping firm already on QuickBooks Online or Xero | Price not established | $156 | What the price is based on, Getting your books out | 26 October 2026 |
| Pilot | A US startup or small business that wants its books done for it in QuickBooks Online | Price not established | $137 | What the price is based on, Reconciles your accounts | 26 October 2026 |
| SimpleAI | Accounting firms and finance teams processing high volumes of invoices and bank statements | From $79 a month source | $106 | Cost for a solo freelancer, What the price is based on | 27 October 2026 |
| Expensify | Small finance teams that want receipts, cards and reimbursements feeding one ledger | Free, then $5 a seat a month source | Does not apply | Cost for a solo freelancer, What the price is based on | 26 October 2026 |
| QuickBooks Online | Small businesses that want one ledger plus payroll, payments and an accountant login | Free, then $38 a month source | $38 | Cost for a solo freelancer, Promotion and regular price | 28 October 2026 |
| Xero | Small businesses wanting the whole team and their advisor on the books, no per-user fees | From $27 a month source | $27 | Cost for a solo freelancer, Promotion and regular price | 28 October 2026 |
“About” figures are converted at the European Central Bank rate of 30 October 2026.
Closest alternatives to fileLedger by fileAI
The ones people open most here come first, then the closest matches. How we rank
- From Free
Cloud accounting ledger with Zia AI, bank feeds, sales tax and 1099 e-filing, from $20 a month.
Why it's on this listCost for a solo freelancer: YesA freelancer with bank feeds and receipt capture needs the Standard plan at $20 per organization a month billed monthly, since bank feeds start there.
- From £10 a month (about $13)
UK cloud accounting with HMRC filing, bank feeds and AI receipt capture, priced per business type.
Why it's on this listCost for a solo freelancer: YesA 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.
- Price not established
AI-native accounting software with optional bookkeeper services for startups and small businesses.
Why it's on this listLedger included: YesIt 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').
Trade-offsNone found.
The rest of the shortlist
- Price not established
Booke AI
An AI bookkeeper that works inside QuickBooks Online and Xero to categorize transactions and match documents.
- Price not established
Pilot
A bookkeeping and tax service for startups that pairs software-driven dashboards with human financial advisors.
- From $79 a month
SimpleAI
AI agents that extract, classify and reconcile accounting documents, then publish them into Xero or QuickBooks.
- From Free
Expensify
Receipt scanning, company cards, bill pay and reimbursements that feed QuickBooks, Xero or NetSuite.
- From Free
QuickBooks Online
Intuit's cloud ledger, now with Intuit Intelligence agents that categorize, reconcile and flag errors.
- From $27 a month
Xero
Small-business ledger with a JAX assistant that answers questions in plain language; unlimited users on every plan.
Compare fileLedger by fileAI with the shortlist
Compare alternatives to fileLedger by fileAI
The digest
What changed in tools. New tools and articles, by email, at most once a week.
Questions buyers ask
What are the best alternatives to fileLedger by fileAI?
Zoho Books, FreeAgent and Puzzle are the closest. They share the most of fileLedger by fileAI's features.
What is the cheapest alternative to fileLedger by fileAI?
3 of the 9 have a free plan: Zoho Books, Expensify and QuickBooks Online. The lowest paid plan is FreeAgent, from about $13 a month. Price checked on 26 October 2026.
How much do fileLedger by fileAI alternatives cost?
Entry plans run from $13.40 to $79 a month, and half cost $27 or less.
When were these prices checked?
We read each price between 26 October 2026 and 28 October 2026 on the maker's own pricing page.
Sources and method
Closest first: most of fileLedger by fileAI's features, then the fewest gaps. How we rank
Every price was read on the maker's own pricing page.
- fileLedger by fileAI: file.ai/platform/fileledger, checked 28 October 2026
- Zoho Books: zoho.com/us/books/pricing, checked 26 October 2026
- FreeAgent: freeagent.com/pricing, checked 26 October 2026
- SimpleAI: simpleaiworks.com/en/pricing, checked 27 October 2026
- Expensify: expensify.com/pricing, checked 26 October 2026
- QuickBooks Online: quickbooks.intuit.com/pricing, checked 28 October 2026
- Xero: xero.com/us/pricing-plans, checked 28 October 2026
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