# Alternatives to Uncat

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

## At a glance

| Name | Best for | Starts at | A month at 100 transactions | Better than Uncat at | Checked |
| --- | --- | --- | --- | --- | --- |
| [Uncat](https://tickmarkbooks.com/uncat.md) | Accounting firms chasing clients for missing transaction detail at month end | From $9 a month | $36 | — | 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 | Ledger included, 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 | Promotion and regular price, 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, Catching up past months | 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, Reconciles your accounts | 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, Reconciles your accounts | 26 October 2026 |
| [Stampli](https://tickmarkbooks.com/stampli.md) | Finance teams with high invoice volume, many approvers and several entities | On quote | — | Categorizes transactions, Reconciles your accounts | 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 | Categorizes transactions, Reconciles your accounts | 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 | Promotion and regular price, Ledger included | 28 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 | Categorizes transactions, Reconciles your accounts | 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 Uncat:**
- [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/)
- [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/)
- [Bank and card feeds: yes — Banks and cards connect through third-party feed providers and statements are fetched periodically by themselves, with email auto-forwarding and file upload as fallbacks; feeds start on Standard, not Free.](https://www.zoho.com/us/books/accounting-software/bank-reconciliation/)

**Trade-offs against Uncat:**
- [Your accountant can sign in: partial — The Free plan is quoted as one user plus one accountant, so an accountant seat is free there; the paid plans are quoted only as user counts, with extra users at $3 a month.](https://www.zoho.com/us/books/pricing/pricing-comparison.html)

[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 Uncat:**
- [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/)
- [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/)
- [Categorizes transactions: yes — The Guess feature categorizes imported bank transactions using machine learning on your own past explanations, so corrections you make feed the next suggestion.](https://support.freeagent.com/hc/en-gb/articles/115001586004-How-does-Guess-explain-your-transactions)

**Trade-offs against Uncat:**
- [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/)
- [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)
- [Several businesses: no — One account holds one business: the vendor's guidance for someone running two businesses assumes a separate FreeAgent account, and so a separate subscription, for each.](https://support.freeagent.com/hc/en-gb/articles/7996920939794-Record-inter-business-transactions)

[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 Uncat:**
- [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)
- [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)
- [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 Uncat:**
- [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)
- [For accounting firms: partial — Partner firm program by waitlist; no firm plan. Puzzle no longer sells its platform to accounting firms.](https://puzzle.io/accounting-partners)

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

### 4. Booke AI

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

**Where it improves on Uncat:**
- [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)
- [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)
- [Bank and card feeds: partial — Reads the QBO or Xero bank feed; no feed of its own](https://booke.ai/)

**Trade-offs against Uncat:**
- [Files 1099s: no — No 1099 work; tax left to people. No page mentions 1099s. The vendor's list of what it automates is categorization, matching, document requests and reconciliation preparation, and its list of what stays with people includes tax.](https://booke.ai/bookkeeping-ai)
- [Free trial or free plan: no — No free plan or trial on the pricing page. The pricing page offers no free plan or trial; its sign-up button reads 'Start for $129/month'.](https://booke.ai/pricing)

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

### 5. Pilot

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

**Where it improves on Uncat:**
- [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)
- [Reconciles your accounts: yes — Bank and card accounts reconciled each month. Essentials: AI reconciles accounts and closes the books monthly.](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)

**Trade-offs against Uncat:**
- [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)
- [Canada: no — not Canada, UK or Australia.](https://pilot.com/faq)
- [Australia: no — not Canada, UK or Australia.](https://pilot.com/faq)

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

### 6. Stampli

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

**Where it improves on Uncat:**
- [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/)
- [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/)
- [People check the books: yes — Review is explicitly yours: Billy prepares work and routes exceptions, and the vendor says authorized people keep approvals, posting and payment release.](https://www.stampli.com/billy/)

**Trade-offs against Uncat:**
- [Platforms: partial — web is the main place it runs, with mobile approvals and a mobile capture flow for receipts and mileage; the vendor never names Windows, Mac, iOS or Android.](https://www.stampli.com/expenses/)
- [For accounting firms: partial — There is a partner program for accounting firms built on referrals and revenue sharing, not a console where a firm runs many clients under its own branding.](https://www.stampli.com/partners/)
- [Canada: no — Canada, the UK and Australia are never named.](https://www.stampli.com/terms/)

[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 Uncat:**
- [Categorizes transactions: yes — It classifies extracted entries by itself and the vendor says it improves from repeated corrections, custom prompts and your historical transactions rather than from fixed rules.](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)
- [Bank and card feeds: partial — It does not connect to your bank itself: you upload or email statements in any format and the AI turns them into reconciled, accounting-ready transactions, then matches them against the bank feed entries in your ledger.](https://simpleaiworks.com/en/solutions/bank-extraction)

**Trade-offs against Uncat:**
- [Xero: partial — The vendor names Xero, QuickBooks and Accurate as the ledgers it currently supports, with Accurate limited to Indonesia QuickBooks Desktop and NetSuite are absent from that list, and no page says which QuickBooks or Xero plans are required.](https://simpleaiworks.com/en/contact)
- [QuickBooks Desktop: no — QuickBooks Desktop and NetSuite are absent from that list, and no page says which QuickBooks or Xero plans are required.](https://simpleaiworks.com/en/contact)
- [Canada: no — Canada is not one of the country options, and US or Canadian bank feeds and tax filing are not claimed.](https://simpleaiworks.com/en/pricing)

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

### 8. QuickBooks Online

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

**Where it improves on Uncat:**
- [Promotion and regular price: yes — promotion: every paid plan card shows a half-price figure for three months beside the struck-through regular price, so Simple Start is $19 then $38, Plus $70 then $140.](https://quickbooks.intuit.com/pricing/)
- [Ledger included: yes — This is the accounting ledger itself, not an add-on to someone else's books, so no separate QuickBooks or Xero subscription sits underneath the price.](https://quickbooks.intuit.com/accounting/)
- [Categorizes transactions: yes — It categorizes bank and card transactions automatically and learns from how you have categorized before, then matches and records later transactions itself.](https://quickbooks.intuit.com/pricing/)

**Trade-offs against Uncat:**
- [Several businesses: partial — Intuit routes businesses with several entities to its separate Intuit Enterprise Suite rather than QuickBooks Online, so multiple entities mean a different, more expensive product.](https://quickbooks.intuit.com/pricing/)

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

### 9. Expensify

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

**Where it improves on Uncat:**
- [Categorizes transactions: yes — It codes card and receipt transactions automatically from your past activity and from merchant rules, and the vendor says it learns how you categorize and keeps doing it that way.](https://use.expensify.com/ai-expense-management)
- [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)
- [NetSuite: yes — It connects to QuickBooks Online, QuickBooks Desktop, Xero, NetSuite, Sage Intacct and Oracle the accounting software built for large companies, NetSuite and Sage Intacct, needs the Control plan.](https://use.expensify.com/ai-disclosure)

**Trade-offs against Uncat:**
- [Your accountant can sign in: partial — Accounting firms in the partner program get their own free account and a dashboard over client workspaces, but the vendor's pages do not say an outside accountant can be added to a single workspace without being billed as a member.](https://use.expensify.com/accountants-program)

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