Accounting Software Pricing (2026)
What 15 accounting tools actually charge, taken from their own pricing pages and re-checked as they change. Cheapest first.
Pricing verified Sep 29, 2026
Prices here change. You'll hear about it.
Outmano watches pricing, features, roadmaps and reviews across your market, then sends one weekly brief: what changed, and what it means for you.
Accounting pricing at a glance
| Product | Entry price | Plans | Free plan | Free trial |
|---|---|---|---|---|
| Invoice Ninja | $14/mo | 4 | Yes | No |
| Wave | $19/mo | 2 | Yes | No |
| Zoho Books | $20/mo | 4 | Yes | Yes |
| FreshBooks | $23/mo | 4 | No | Yes |
| Xero | $25/mo | 3 | No | No |
| Puzzle | $30/mo | 4 | No | Yes |
| QuickBooks | $38/mo | 4 | No | Yes |
| Jetpack Workflow | $40/mo | 2 | No | Yes |
| Canopy | $74/mo | 4 | No | No |
| Aplos | $79/mo | 4 | No | Yes |
| Karbon | $79/mo | 3 | No | No |
| Pilot | $99/mo | 3 | No | No |
| MarginEdge | $350/mo | 2 | Yes | No |
| TaxDome | $800/mo | 3 | No | No |
| Zoho Invoice | Custom | 1 | Yes | No |
Every accounting tool we track, cheapest first
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Invoice Ninja
Open-source invoicing for freelancers.
At $14-18/mo entry pricing with a genuinely usable free tier, Invoice Ninja undercuts most invoicing/accounting SaaS competitors that charge $25-50/mo just to get started. They're clearly playing the budget-conscious freelancer and small-agency card, not chasing enterprise accounts that want white-glove service — though the custom Premium tier is a hedge to not leave that money on the table.
Plans: Free $0/mo · Ninja Pro $14/mo · Enterprise $18/mo · Premium Business Contact Sales
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Wave
Financial software for small businesses.
This is a budget play through and through, undercutting QuickBooks and Xero by a wide margin — those run $30-90+/mo before add-ons. Wave's betting that freelancers and micro-businesses will trade some polish and depth for a near-free (or literally free) tool, then get sticky enough to pay $19 once cash flow allows.
Plans: STARTER Plan $0/mo · Pro Plan $19/mo
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Zoho Books
Online accounting from Zoho.
Sitting well under QuickBooks and Xero at every tier, Zoho Books is clearly playing the value card for cost-conscious small businesses and Zoho ecosystem users who want accounting bundled cheaply with CRM, inventory, and other Zoho apps.
Plans: FREE $0/mo · STANDARD $20/mo · PROFESSIONAL $50/mo · PREMIUM $70/mo
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FreshBooks
Invoicing and accounting for freelancers.
FreshBooks sits mid-market — pricier than bare-bones invoicing tools but cheaper than full accounting suites like QuickBooks Online at the higher tiers. They're clearly courting freelancers and micro-businesses who've outgrown spreadsheets but don't want the complexity (or cost) of enterprise accounting software.
Plans: Lite $23/mo · Plus $43/mo · Premium $70/mo · Select Contact Sales
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Xero
Online accounting for small businesses.
Xero sits mid-market against QuickBooks and FreshBooks — not the cheapest accounting tool out there, but positioned as more approachable than enterprise ERP-lite platforms, targeting small businesses that'll eventually outgrow spreadsheets but aren't ready for NetSuite.
Plans: Early $25/mo · Growing $55/mo · Established $90/mo
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Puzzle
Accounting built for startups.
At $30-$360/mo flat, Puzzle sits mid-market — pricier than DIY tools like Wave or QuickBooks self-serve, but way cheaper than hiring a bookkeeping firm or an outsourced controller. They're clearly courting VC-backed startups that need investor-grade books without the cost of a full finance team.
Plans: Starter $30/mo · Core $72/mo · Complete $120/mo · Scale $360/mo
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QuickBooks
Small business accounting software.
QuickBooks sits mid-to-premium in small biz accounting — pricier than Wave (free) or newer entrants like Xero's lower tiers, but it trades on being the default choice accountants already know. The jump from Simple Start to Advanced (a nearly 9x spread) shows they're not competing on being cheap, they're betting on lock-in and ecosystem familiarity.
Plans: Simple Start $38/mo per seat · Essentials $85/mo per seat · Plus $140/mo per seat · Advanced $340/mo per seat
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Jetpack Workflow
Workflow and recurring-task management for accounting firms and bookkeepers, priced per user.
At $40-50/seat, Jetpack Workflow sits in the mid-tier of practice management tools for accounting firms — pricier than bare-bones task trackers but well under premium all-in-one platforms like Karbon or Canopy. They're chasing small-to-mid accounting firms who want dedicated workflow software without paying for a bloated suite.
Plans: Starter $40/mo per seat · Premium $50/mo per seat
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Canopy
All-in-one practice management for accounting and tax firms: CRM, workflow, documents, billing and client portal.
At $74-$149/seat/month, Canopy sits in the mid-to-premium range for practice management/tax software rather than competing on price — there's no free plan or trial, which signals they're going after firms that already know they need this category of tool, not ones still shopping around. They're betting on being a considered purchase, not an impulse signup.
Plans: Standard $74/mo per seat · Plus $109/mo per seat · Premium $149/mo per seat · Enterprise Contact Sales
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Aplos
Fund accounting software with donor management for nonprofits and churches.
Aplos sits in the affordable-but-not-cheapest lane of nonprofit accounting software — pricier than generic small-business tools like Wave, but notably less than heavyweight nonprofit ERPs like Blackbaud or Sage Intacct. They're clearly courting small-to-mid nonprofits and churches that need fund accounting without enterprise-level cost or complexity.
Plans: Lite $79/mo · Core $129/mo · Advanced $229/mo · Custom Contact Sales
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Karbon
Practice management for accounting firms.
This sits on the premium end for practice management software aimed at accounting and bookkeeping firms — most competitors either offer a free tier or a trial, and Karbon offers neither. They're clearly not chasing solo practitioners or freelancers; the 4-seat minimum signals they want established firms with real teams and budget.
Plans: Team $79/mo per seat · Business $99/mo per seat · Enterprise Contact Sales
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Pilot
Bookkeeping and CFO services.
Pilot sits in the premium tier of startup bookkeeping services — well above DIY tools like QuickBooks or Xero, and priced to compete with Bench and Puzzle rather than freelance bookkeepers. They're clearly chasing venture-backed startups who'll trade cash for reliability and investor-ready financials.
Plans: Essentials $99/mo · Core $299/mo · Custom Contact Sales
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MarginEdge
Restaurant cost-management and invoice-processing software
At $350-500/mo per location with no free plan or trial, this sits toward the premium end for independent restaurants and small groups — it's priced like a tool for operators who already know back-office chaos is costing them margin. They're not chasing single-location mom-and-pops; they're going after multi-unit groups where the per-location fee adds up fast but so does the ROI on food cost control.
Plans: MarginEdge $350/mo · MarginEdge + Freepour $500/mo
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TaxDome
Practice OS for tax professionals.
This sits toward the premium end for accounting/tax practice management software, especially once you factor in the multi-year lock-in required to hit those advertised rates. TaxDome's clearly chasing established firms who want an all-in-one platform and are willing to commit long-term for savings, not solo practitioners testing the waters.
Plans: Essentials $800/mo per seat · Pro $1000/mo per seat · Business $1200/mo per seat
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Zoho Invoice
Free invoicing software from Zoho.
This is the most aggressive price point in the invoicing category — it undercuts FreshBooks, Wave's paid features, and even most freemium tools by just being fully free. They're explicitly targeting freelancers and small businesses who balk at paying $15-30/mo for invoicing alone.
Plans: Zoho Invoice $0/mo
Accounting Software Pricing FAQ
- How much does accounting software cost?
- Entry prices run from $14/mo (Invoice Ninja) to $800/mo (TaxDome), with a median entry price of $39/mo across the 14 priced products we track.
- What is the cheapest accounting software?
- Invoice Ninja has the lowest entry price of the accounting software we track, at $14/mo. Wave ($19/mo) and Zoho Books ($20/mo) are next. Invoice Ninja and Wave are free to start on.
- Is there free accounting software?
- Yes — Invoice Ninja, Wave, Zoho Books and 2 more offer a free plan.
- How is accounting software usually priced?
- 8 of the 15 accounting tools we track use flat rate pricing, against 5 on per seat and 2 on hybrid.