22 selected plans from 10 providers. Compare current US and UK editions, free desktop options, documented features and data portability.
Checked 17 October 2026. Prices are regular month-to-month software list prices in their native currency, excluding promotions, tax and extras. Desktop “free” means no licence charge. This is documentation research; we have not logged in and tested these providers.
10 providers Named editions and official sources
22 plans Zero price kept separate from unknown features
Local CSV tools Check bank files before any upload
US · QuickBooks Online
USD 0 subscription
Automatic bank feed Included
Multi-currency accounting Not verified
Project profitability Not included
Financial report export Not verified
1 bank; no accountant access;2 invoices/month unless eligible Payments. Export capability not established for Free.
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US · QuickBooks Online
USD 38 / month
Automatic bank feed Included
Multi-currency accounting Not verified
Project profitability Not included
Financial report export Included
1 user plus 2 accountants; US edition. Foreign-currency feature remains unverified in this dataset.
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US · QuickBooks Online
USD 85 / month
Automatic bank feed Included
Multi-currency accounting Not verified
Project profitability Not included
Financial report export Included
3 users plus 2 accountants; US edition. Verify regional multi-currency rules before relying on it.
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US · QuickBooks Online
USD 140 / month
Automatic bank feed Included
Multi-currency accounting Not verified
Project profitability Included
Financial report export Included
5 users plus 2 accountants; project profitability. Optional payroll and payment fees excluded.
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US · Xero
USD 27 / month
Automatic bank feed Included
Multi-currency accounting Not included
Project profitability Not included
Financial report export Included
20 invoices and 5 bills/month.
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US · Xero
USD 59 / month
Automatic bank feed Included
Multi-currency accounting Not included
Project profitability Not included
Financial report export Included
No per-user licence fee; optional add-ons extra.
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US · Xero
USD 97 / month
Automatic bank feed Included
Multi-currency accounting Included
Project profitability Included
Financial report export Included
Multi-currency plus project time/cost workflow; optional add-ons extra.
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US · FreshBooks
USD 43 / month
Automatic bank feed Included
Multi-currency accounting Not verified
Project profitability Not included
Financial report export Included
50 billable clients; team members 11 USD/month each. Reports one currency at a time.
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US · FreshBooks
USD 70 / month
Automatic bank feed Included
Multi-currency accounting Not verified
Project profitability Included
Financial report export Included
Unlimited billable clients; team members extra. Project profitability included.
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US · Wave
USD 0 subscription
Automatic bank feed Not included
Multi-currency accounting Not verified
Project profitability Not verified
Financial report export Not verified
Manual bookkeeping; automatic bank import is a Pro feature. Processing/receipt add-ons extra.
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US · Wave
USD 19 / month
Automatic bank feed Included
Multi-currency accounting Not verified
Project profitability Not verified
Financial report export Not verified
Supported Plaid bank required. Processing fees and optional services extra.
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US · Zoho Books
USD 0 subscription
Automatic bank feed Not included
Multi-currency accounting Not included
Project profitability Not verified
Financial report export Included
Revenue eligibility<=50 K/year;1000 invoices/year; no third-party bank feeds. PDF/spreadsheet report export; record limits apply.
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US · Zoho Books
USD 20 / month
Automatic bank feed Included
Multi-currency accounting Not included
Project profitability Not verified
Financial report export Included
5000 invoices/year;3 users; monthly billing, not annual equivalent. PDF/spreadsheet report export; record limits apply.
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US · Zoho Books
USD 50 / month
Automatic bank feed Included
Multi-currency accounting Included
Project profitability Included
Financial report export Included
10000 invoices/year;5 users; project profitability and PDF/spreadsheet report export. Multiple currencies per same customer requires Premium, not this plan. Export record limits apply.
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UK · FreeAgent
GBP 19 / month
Automatic bank feed Included
Multi-currency accounting Included
Project profitability Included
Financial report export Included
Ex 20%VAT; business-structure plan. Conditional bank-sponsored free offers excluded.
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UK · Sage Accounting
GBP 20 / month
Automatic bank feed Included
Multi-currency accounting Not included
Project profitability Not verified
Financial report export Included
1 user. UK retail; ex 20%VAT; optional extras separate.
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UK · Sage Accounting
GBP 43 / month
Automatic bank feed Included
Multi-currency accounting Not included
Project profitability Not verified
Financial report export Included
3 users; supplier/accrual workflows. UK retail; ex 20%VAT; optional extras separate.
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UK · Sage Accounting
GBP 59 / month
Automatic bank feed Included
Multi-currency accounting Included
Project profitability Not verified
Financial report export Included
Unlimited users; multi-currency. UK retail; ex 20%VAT; optional extras separate.
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Desktop · Manager Desktop
Free licence
Automatic bank feed Not verified
Multi-currency accounting Included
Project profitability Not verified
Financial report export Not verified
Single user offline Win/Mac/Linux. Zero licence price; no cloud subscription included.
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Desktop · GnuCash
Free licence
Automatic bank feed Not verified
Multi-currency accounting Included
Project profitability Not verified
Financial report export Included
Free open-source licence; reports export HTML/print, not all reports direct CSV. Self-managed backups.
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US · Patriot Accounting
USD 20 / month
Automatic bank feed Included
Multi-currency accounting Not verified
Project profitability Not verified
Financial report export Included
US accounting only; payroll and bookkeeping services excluded.
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US · Patriot Accounting
USD 30 / month
Automatic bank feed Included
Multi-currency accounting Not verified
Project profitability Not verified
Financial report export Included
Recurring invoices, estimates and permissions; payroll separate.
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