The $25-a-month plan adds services like inventory management, cash flow forecasting, and receipt scanning. Its well-reviewed iOS app syncs across Apple Watches, iPads, and iPhones. New to the business world and not sure how to start tracking your finances? Sage Business Cloud Accounting’s Start plan costs just $10 a month and offers essentials like bank reconciliation and professional invoicing. Otherwise, the time you’ll spend inputting payroll numbers into your accounting software outweighs the time you save automating accounting tasks. As a result, we recommend it primarily to freelancers and small businesses with just a few employees. Unfortunately, Zoho Books doesn’t currently sync with payroll software. You'll also get automatic bank reconciliation, unlimited bank and credit card connections, online payment acceptance, and, frankly, quite a bit more-including Zoho's well-known automation. The plan does limit your invoices, but since the cap is 1,000 a year, most smaller businesses shouldn't exceed the limit. You'll also get quite a bit of mileage out of Zoho Books' new free plan, which is available for businesses that have an annual revenue less than $50K (in US dollars).

The pricier plans add automatic bill payment as well. The $15 plan includes automated recurring invoices, expenses, and payment reminders. It also has better automation than top providers like QuickBooks. That’s the same as FreshBooks-but unlike both FreshBooks and Xero, Zoho’s cheapest paid plan doesn’t limit your invoices or bills. Zoho Books' comprehensive paid plans start at $15 a month (when billed annually) or $20 a month (when billed month to month). That’ll work for freelancers but not for small-business owners with a bigger client base, who should scale up to the $34 a month Growing plan for unlimited invoices.

And Xero’s cheapest plan limits you to just 5 bills and 20 invoices a month. Only its priciest plan includes multi-currency acceptance. If you take payments from customers across the globe, though, Xero’s online accounting software might not work for you.

Xero also integrates with over 800 third-party accounting and payroll apps-more than any other accounting service provider, even Quickbooks. Most importantly, though, Xero makes collaboration easy: each plan includes unlimited users at no additional cost.

Sales tax tracking, customization, and reporting.

Each plan-including the cheapest, $13 a month-offers these key features: But its features are where Xero absolutely excels. Xero’s sleek dashboard and easy-on-the eyes software are fantastic entry points for simplicity-loving Mac users.

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