# Alternatives to Keeper

> Source: https://tickmarkbooks.com/keeper/alternatives/ (re-verified)
> Updated: 30 October 2026

## At a glance

| Name | Best for | Starts at | A month at 100 transactions | Better than Keeper at | Checked |
| --- | --- | --- | --- | --- | --- |
| [Keeper](https://tickmarkbooks.com/keeper.md) | A US freelancer or sole proprietor who wants write-offs tracked all year | From $20 a month | Does not apply | — | 28 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 | Reconciles your accounts, Pays your bills | 26 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 | Promotion and regular price, Notice before a price rise | 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 | Past your plan’s limits, Reconciles your accounts | 27 October 2026 |
| [Digits](https://tickmarkbooks.com/digits.md) | A US startup or small business that wants its own AI-kept ledger in place of QuickBooks | From $65 a month | $65 | Catching up past months, Reconciles your accounts | 27 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 | Promotion and regular price, Catching up past months | 28 October 2026 |
| [Inkle](https://tickmarkbooks.com/inkle.md) | US-incorporated startups and foreign founders needing books and US filings together | Free, then $30 a month | $0 | Notice before a price rise, Reconciles your accounts | 27 October 2026 |
| [Dext](https://tickmarkbooks.com/dext.md) | Small businesses and firms feeding receipts and supplier bills into QuickBooks or Xero | From $31.50 a month | Does not apply | Promotion and regular price, Past your plan’s limits | 27 October 2026 |
| [QuickBooks Solopreneur](https://tickmarkbooks.com/quickbooks-solopreneur.md) | Self-employed one-person businesses filing a Schedule C | Free, then $20 a month | $20 | Promotion and regular price, Reconciles your accounts | 27 October 2026 |
| [Expensify](https://tickmarkbooks.com/expensify.md) | Small finance teams that want receipts, cards and reimbursements feeding one ledger | Free, then $5 a seat a month | Does not apply | Past your plan’s limits, Notice before a price rise | 26 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. Zoho Books

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

**Where it improves on Keeper:**
- [Reconciles your accounts: yes — Bank and card accounts are reconciled inside the product, with matched and pending transactions in one view and reconciliation statements exportable as PDF per account and date range.](https://www.zoho.com/us/books/accounting-software/bank-reconciliation/)
- [Pays your bills: partial — Bills and vendor approvals are in the paid plans, but paying vendors by ACH with two- and three-way matching is the separate BillPay add-on at $59 a month billed annually ($69 monthly).](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 Keeper:**
- [Categorizes transactions: partial — Zia pre-fills the account and vendor against each imported bank line, so it suggests rather than posts by itself, and the page does not claim it learns from your corrections.](https://www.zoho.com/us/books/accounting-software/ai-in-accounting/)

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

### 2. FreeAgent

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

**Where it improves on Keeper:**
- [Promotion and regular price: yes — promotion: every paid plan is advertised at 50% off for the first six months (or first year on annual billing), after which the regular published price applies.](https://www.freeagent.com/pricing/)
- [Notice before a price rise: yes — The terms of service promise at least 60 days' advance notice of a price or payment-term change, and a chance to decide whether to carry on before any increase.](https://www.freeagent.com/company/terms/)
- [Reconciles your accounts: yes — A Bank Reconciliation report compares the FreeAgent balance with the bank statement balance for each account; you run and review it yourself rather than it closing the month for you.](https://support.freeagent.com/hc/en-gb/articles/7096372611346-Bank-Reconciliation-report)

**Trade-offs against Keeper:**
- [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/)
- [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/)
- [Files 1099s: no — The vendor's own inventory of what can be filed from FreeAgent is End of Year accounts, Payroll, Self Assessment and VAT, all to HMRC or Companies House; US contractor forms are not among them.](https://support.freeagent.com/hc/en-gb/articles/15539041420178-What-can-you-file-using-FreeAgent)

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

### 3. SimpleAI

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

**Where it improves on Keeper:**
- [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)
- [Reconciles your accounts: yes — Reconciliation is on every published SAAM plan: it matches your transactions against bank feed entries and flags mismatches, and converts statements into reconciled, accounting-ready transactions.](https://simpleaiworks.com/en/solutions/accounting-automation)
- [Pays your bills: partial — Bills are captured and classified and every plan includes an approval workflow, but the agent's documented end point is publishing entries into your accounting software, not paying suppliers.](https://simpleaiworks.com/en)

**Trade-offs against Keeper:**
- [Ledger included: no — SAAM is not the ledger: it extracts and classifies documents and then publishes entries into the accounting software you already pay for, so a Xero, QuickBooks or Accurate subscription sits on top of its price.](https://simpleaiworks.com/en/contact)
- [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)
- [Accuracy the vendor claims: partial — The vendor claims high precision in extraction and classification and says accuracy improves with your corrections, but it publishes no accuracy percentage and no description of how any figure was measured.](https://simpleaiworks.com/en/contact)

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

### 4. Digits

AI-native general ledger that books and reconciles itself, replacing QuickBooks or Xero for US businesses.

**Where it improves on Keeper:**
- [Catching up past months: yes — Digits says it handles after-the-fact and catch-up bookkeeping on the same platform as ongoing monthly work, and publishes no separate catch-up or cleanup fee anywhere on its pricing pages.](https://digits.com/accountants/)
- [Reconciles your accounts: yes — Reconciliation runs continuously against connected or uploaded statements across bank, card and payroll accounts rather than once at month-end, with exceptions surfaced as they occur.](https://digits.com/pricing/)
- [Pays your bills: yes — Bill Pay reads the invoice, routes it for approval and pays by ACH inside the same ledger, and it is listed as Included on every public plan; payment processing costs are priced separately in the Help Center.](https://digits.com/pricing/)

**Trade-offs against Keeper:**
- [Your own bookkeeper: no — No bookkeeper comes with a subscription; Digits is software and refers businesses that want a person to certified partner firms, who bill separately for full-service accounting.](https://digits.com/ai-info/)
- [Platforms: partial — web, ios: Digits runs in the browser and ships native iPhone and iPad apps; the plan table names no Android, Windows or Mac application.](https://digits.com/pricing/)
- [Files your tax return: no — Digits prepares the books for filing and exports a tax package, but files no business or personal return itself; filing is left to a tax preparer or a partner firm.](https://digits.com/pricing/)

[View Digits](https://tickmarkbooks.com/digits)

### 5. FreshBooks

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

**Where it improves on Keeper:**
- [Promotion and regular price: yes — promotion: the headline rate is 80% off for four months on Lite, Plus and Premium bought between October 15 and November 16, 2026, after which the regular $23, $43 or $70 a month applies.](https://www.freshbooks.com/policies/buy-now-offer)
- [Catching up past months: yes — FreshBooks' bookkeeping service says its partners will clean up months you are behind on, but the price is quoted after a call rather than published.](https://www.freshbooks.com/bookkeeping)
- [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)

**Trade-offs against Keeper:**
- [Reads receipts and bills: partial — You can photograph or email a receipt and have the merchant, totals and taxes read off it, but automatic expense receipt data capture and emailed receipts begin on Plus, and bill receipt capture on Premium.](https://www.freshbooks.com/expenses-and-receipts-tracking)
- [Files your tax return: partial — FreshBooks does not file an income tax return itself; it produces the reports you file from and refers you to vetted partners, with filing offered only as an add-on to the bookkeeping service.](https://www.freshbooks.com/pricing)

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

### 6. Inkle

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

**Where it improves on Keeper:**
- [Notice before a price rise: yes — The terms promise at least 30 days' notice before a renewal date for any material fee increase or scope reduction, and for annual renewals generally.](https://www.inkle.ai/legal)
- [Reconciles your accounts: yes — Bank reconciliation is listed even on the free Basic plan, and on the Monthly service the bookkeepers run the monthly reconciliations themselves.](https://www.inkle.ai/pricing)
- [Sends invoices: yes — Invoices are created and sent from Inkle Books and payments are tracked in real time, with the result flowing straight into the books; invoices can also be requested from vendors.](https://www.inkle.ai/books)

**Trade-offs against Keeper:**
- [What the price is based on: partial — The bookkeeping service is priced per business but scaled by monthly transaction volume and unstated 'complexity', so the published $49 is a floor rather than a rate card a buyer can price themselves.](https://www.inkle.ai/pricing)
- [Reads receipts and bills: partial — Receipt matching is AI-driven but sits on the paid Standard software plan, not the free Basic plan, so a free user gets no documented receipt-to-transaction matching.](https://www.inkle.ai/pricing)
- [Accuracy the vendor claims: partial — The vendor claims its AI bookkeeper categorizes 90% of transactions accurately and cites over a million transactions categorized, but publishes no method, sample or date behind the figure.](https://www.inkle.ai/ai-bookkeeper)

[View Inkle](https://tickmarkbooks.com/inkle)

### 7. Dext

Captures receipts, invoices and statements, codes them and publishes to QuickBooks, Xero or Sage.

**Where it improves on Keeper:**
- [Promotion and regular price: yes — yearly shown monthly: the plan card opens on the Annual tab showing $25.21 per month, which is the annual rate ($302.50 billed annually); the month-to-month rate is $31.50, and the AI Assist add-on is $10.5 per month only until 31 Jan 2027.](https://dext.com/us/business/pricing)
- [Past your plan’s limits: yes — Past the monthly document limit uploads still arrive but stop being read until the next bill date or an upgrade, and the terms also reserve the right to invoice excess usage or upgrade the plan.](https://dext.com/us/business/pricing)
- [Notice before a price rise: yes — The general terms promise at least one month's notice before a fee rise and say it cannot take effect until the start of the next term, with discounts reverting to list price at term end.](https://dext.com/us/terms-and-conditions)

**Trade-offs against Keeper:**
- [Ledger included: no — No ledger is included: Dext publishes finished data into the accounting software you already pay for, so a QuickBooks Online or Xero subscription sits on top of the Dext fee.](https://dext.com/us/business/sectors/non-profit-bookkeeping)
- [What the AI costs: partial — add-on: extraction and auto-categorization come with every plan, but the AI Assist agent is a priced add-on at $10.5 a month on business plans and $7 per client on practice plans.](https://dext.com/us/business/pricing)

[View Dext](https://tickmarkbooks.com/dext)

### 8. QuickBooks Solopreneur

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

**Where it improves on Keeper:**
- [Promotion and regular price: yes — promotion - the headline $10 and $19 figures are a 50% introductory discount for three months, after which the regular $20 and $38 monthly prices apply.](https://quickbooks.intuit.com/solopreneur/)
- [Reconciles your accounts: partial — Monthly bank reconciliation is not claimed for Lite; the vendor advertises automated reconciliation as an Intuit Intelligence feature from the Plus plan upward.](https://quickbooks.intuit.com/accounting/mileage/)
- [Pays your bills: partial — Automated bill pay is listed on Lite but not on the Free plan, and the vendor's pages describe no approval-routing step before payment.](https://quickbooks.intuit.com/solopreneur/)

**Trade-offs against Keeper:**
- [What the AI does: partial — Intuit Intelligence on Lite is limited to the Expert Assisted Tax tie-in; the categorization, deduction and chat AI features appear only from Simple Start upward.](https://quickbooks.intuit.com/solopreneur/)
- [Accuracy the vendor claims: partial — The only accuracy claim attaches to the human tax-expert review on Lite, not to the AI bookkeeping, and the page gives no measurement method.](https://quickbooks.intuit.com/solopreneur/)
- [Files your tax return: partial — Filing is not in the subscription: Lite bundles Expert Assisted Tax powered by TurboTax, charged separately when you file, with 20% off the federal base price.](https://quickbooks.intuit.com/solopreneur/)

[View QuickBooks Solopreneur](https://tickmarkbooks.com/quickbooks-solopreneur)

### 9. Expensify

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

**Where it improves on Keeper:**
- [Past your plan’s limits: yes — There is no transaction or account cap to pass; on a Control annual subscription, anyone active beyond the subscription size you committed to is simply charged at the higher pay-per-use rate.](https://help.expensify.com/articles/new-expensify/billing-and-subscriptions/explore-plans-subscriptions-and-pricing/Understand-Expensify-Pricing)
- [Notice before a price rise: yes — The terms of service promise fifteen days' notice before the next billing cycle whenever the price of a service package changes.](https://www.expensify.com/terms)
- [Reconciles your accounts: partial — It reconciles company card feeds against the card statement for a period so admins can tie out card activity, but it is not the ledger and does not reconcile bank accounts inside your books.](https://help.expensify.com/articles/new-expensify/reports-and-expenses/Statement-Matching-and-Reconciliation)

**Trade-offs against Keeper:**
- [Ledger included: no — No accounting ledger is included: the vendor says plainly that this is spend and expense software that feeds a ledger you pay for separately, such as QuickBooks Online or Xero.](https://use.expensify.com/ai-disclosure)
- [Files your tax return: no — No income tax return is prepared or filed on any plan; the vendor states flatly that it is not a tax filing service.](https://use.expensify.com/ai-disclosure)
- [Contract and cancelling: partial — Collect is sold only month to month on pay-per-use, so you can stop whenever, but the discounted Control rates require a 12-month commitment to a chosen subscription size you cannot shrink mid-term.](https://help.expensify.com/articles/new-expensify/billing-and-subscriptions/explore-plans-subscriptions-and-pricing/Understand-Expensify-Pricing)

[View Expensify](https://tickmarkbooks.com/expensify)