# Alternatives to QuickBooks Solopreneur

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

## At a glance

| Name | Best for | Starts at | A month at 100 transactions | Better than QuickBooks Solopreneur at | Checked |
| --- | --- | --- | --- | --- | --- |
| [QuickBooks Solopreneur](https://tickmarkbooks.com/quickbooks-solopreneur.md) | Self-employed one-person businesses filing a Schedule C | Free, then $20 a month | $20 | — | 27 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 | What the AI does, Reconciles your accounts | 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 | Notice before a price rise, What the AI does | 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 | Catching up past months, Getting your books out | 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 | Reconciles your accounts, Getting your books out | 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 | Getting your books out, Your data trains AI | 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, What the AI does | 27 October 2026 |
| [QuickBooks Online](https://tickmarkbooks.com/quickbooks-online.md) | Small businesses that want one ledger plus payroll, payments and an accountant login | Free, then $38 a month | $38 | What the AI does, Pays your bills | 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 | Catching up past months, What the AI does | 28 October 2026 |
| [Wave](https://tickmarkbooks.com/wave.md) | Freelancers and solo owners who want real double-entry books without paying for software | Free, then $19 a month | $19 | Reconciles your accounts, Accrual books and reports | 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. Zoho Books

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

**Where it improves on QuickBooks Solopreneur:**
- [What the AI does: yes — Zia answers finance questions in plain English, flags anomalies in report data, pre-fills bank statement categorization, drafts emails and generates invoices, quotes and reports from a prompt.](https://www.zoho.com/us/books/accounting-software/ai-in-accounting/)
- [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/)
- [Accrual books and reports: yes — Profit and loss, balance sheet and cash flow sit among 70+ built-in reports you can run at any time; the pages read do not state whether the books are kept on a cash or accrual basis.](https://www.zoho.com/us/books/accounting-software/accounting-financial-reports/)

**Trade-offs against QuickBooks Solopreneur:**
- [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/)
- [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 QuickBooks Solopreneur:**
- [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/)
- [What the AI does: yes — Two AI features: machine-learning categorization of bank transactions that learns from your corrections, and Smart Capture, which extracts data from receipts and bills and matches them to transactions.](https://www.freeagent.com/features/banking/)
- [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 QuickBooks Solopreneur:**
- [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. Puzzle

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

**Where it improves on QuickBooks Solopreneur:**
- [Catching up past months: yes — From $300 per month of books. Catch-up bookkeeping is a one-time add-on on the pricing page: the team reviews, cleans up and closes each unfinished month, from $300 per month of books (the page's example: eleven months is $3,300).](https://puzzle.io/pricing)
- [Getting your books out: yes — Full general ledger and statements export. From Downloads you can export the full general ledger detail (all historical journal entries in one file), the chart of accounts, transactions and financial statements on cash or accrual basis, as Excel, CSV or PDF.](https://help.puzzle.io/en/articles/8441512-can-i-export-my-data)
- [Several businesses: partial — One account per company; consolidation via Joiin from Core. Each company is its own Puzzle account; several can be linked to one login.](https://puzzle.io/pricing)

**Trade-offs against QuickBooks Solopreneur:**
- [Reads receipts and bills: partial — Reads an uploaded receipt; no stated matching. You can attach documents to a transaction or bill.](https://help.puzzle.io/en/articles/15138987-month-end-close-with-ai-close)
- [Files 1099s: no — Exports a 1099 vendor report; does not file. Puzzle suggests 1099-eligible vendors (over $600 in typical categories), stores W-9s and exports a 1099 template with each vendor's yearly total, to be filed through a payroll provider or tax software.](https://help.puzzle.io/en/articles/12670953-tracking-1099-vendor-spending-in-puzzle)
- [Free trial or free plan: partial — Free trial only; no free plan. Every plan card offers 'Try for free'; there is no standing free plan.](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 QuickBooks Solopreneur:**
- [Reconciles your accounts: yes — Bank and card accounts reconciled each month. Essentials: AI reconciles accounts and closes the books monthly.](https://pilot.com/pricing)
- [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)
- [Several businesses: partial — One entity per order; more on Custom by quote. By default Pilot keeps the books of only the entity that signs the order form.](https://pilot.com/terms/bookkeeping-policies)

**Trade-offs against QuickBooks Solopreneur:**
- [Ledger included: no — Works in QuickBooks Online; you pay for the license. Every bookkeeping plan is done in QuickBooks Online (FAQ: 'Pilot does all of its bookkeeping in QuickBooks Online').](https://pilot.com/terms/client-terms)
- [Sends invoices: partial — Invoicing is an add-on service. Pilot has no invoicing feature in its bookkeeping plans.](https://pilot.com/faq)
- [Accuracy the vendor claims: no — No accuracy figure published. No accuracy figure for the AI on any page read.](https://pilot.com/why-pilot)

[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 QuickBooks Solopreneur:**
- [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)
- [Your data trains AI: partial — Trains a model kept for your account only. That per-client model is itself trained on your books (privacy policy section 10 is titled 'How Your Data Trains AI Models').](https://booke.ai/data-handling)
- [Several businesses: yes — Each business adds $129 a month, on one bill. Several businesses sit on one subscription; each is priced at the per-business rate ($129 a month monthly, $116 a month billed annually), prorated when added mid-period and joined to the combined charge at renewal.](https://booke.ai/pricing)

**Trade-offs against QuickBooks Solopreneur:**
- [Ledger included: no — No: you also pay for QuickBooks Online or Xero. Booke works inside an existing QuickBooks Online or Xero file, joining it as a user; it is not a ledger and no ledger license is in its price.](https://booke.ai/)
- [Sends invoices: partial — Matches payments to ledger invoices; sends none. It matches incoming payments to invoices that already exist in QuickBooks Online or Xero, including multi-invoice payments.](https://booke.ai/quickbooks-online)
- [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/)

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

### 6. SimpleAI

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

**Where it improves on QuickBooks Solopreneur:**
- [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)
- [What the AI does: yes — The accounting agent extracts data from invoices, bills, bank statements and supporting documents, classifies the entries, reconciles transactions and prepares them for publishing into your ledger, and it learns from your corrections and custom prompts.](https://simpleaiworks.com/en)
- [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)

**Trade-offs against QuickBooks Solopreneur:**
- [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)
- [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)
- [Sends invoices: partial — Sending invoices belongs to the other product lines, not SAAM: NOVA handles invoices and AR aging conversationally, and the e-Invoicing module issues Peppol invoices for Singapore, while SAAM only extracts AR documents.](https://simpleaiworks.com/en/solutions/nova)

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

### 7. QuickBooks Online

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

**Where it improves on QuickBooks Solopreneur:**
- [What the AI does: yes — Intuit Intelligence runs inside the ledger, learning categorization patterns and performing bookkeeping tasks, with the deeper agents reserved for the Plus and Advanced tiers.](https://quickbooks.intuit.com/pricing/)
- [Pays your bills: yes — Bills can be tracked and paid from Simple Start upward, with five standard ACH payments a month included and fifty cents each beyond the allotment; approval workflows are an Advanced feature.](https://quickbooks.intuit.com/pricing/)
- [Accrual books and reports: yes — Profit and loss and balance sheet reports are produced on every tier including Free; the pages read do not state whether the books are kept on an accrual basis or name a cash flow statement.](https://quickbooks.intuit.com/pricing/)

**Trade-offs against QuickBooks Solopreneur:**
- None found.

[View QuickBooks Online](https://tickmarkbooks.com/quickbooks-online)

### 8. FreshBooks

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

**Where it improves on QuickBooks Solopreneur:**
- [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)
- [What the AI does: yes — The AI is a connector that lets Claude read your FreshBooks data and answer plain-language questions about invoices, expenses and cash flow; it cannot post, edit or categorize anything.](https://www.freshbooks.com/ai/claude)
- [Your own bookkeeper: yes — The bookkeeping service is sold on dedicated bookkeepers you can hand the busywork to, but it is a separate quote-priced engagement rather than part of a Lite, Plus or Premium subscription.](https://www.freshbooks.com/bookkeeping)

**Trade-offs against QuickBooks Solopreneur:**
- [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)
- [Free trial or free plan: partial — You can run your own books for 30 days at no charge with no credit card and no contract, but there is no standing free plan once the trial ends.](https://www.freshbooks.com/pricing)

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

### 9. Wave

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

**Where it improves on QuickBooks Solopreneur:**
- [Reconciles your accounts: yes — Wave reconciles accounts as part of its own workflow, and the paid bookkeeping service does the reconciling for you each month instead.](https://www.waveapps.com/tax-season)
- [Accrual books and reports: yes — Profit and loss, balance sheet and cash flow reports are generated on demand from double-entry books; the pages do not say whether those books are kept on an accrual basis.](https://www.waveapps.com/pro)
- [Your accountant can sign in: yes — You can invite an accountant, bookkeeper or partner as a collaborator, and the Pro Plan describes that user access as unlimited rather than charged per seat.](https://www.waveapps.com/pricing)

**Trade-offs against QuickBooks Solopreneur:**
- [Platforms: partial — web, ios, android: it runs in a browser with nothing to install, and the mobile app is published for iPhone and Android; no Windows or Mac program is offered.](https://www.waveapps.com/accounting)
- [Mileage: partial — Mileage is recorded in the separate Driversnote app, which syncs trips into Wave on the Pro Plan; Wave itself does not advertise trip tracking.](https://www.waveapps.com/integrations)

[View Wave](https://tickmarkbooks.com/wave)