{
  "version": "2026-10-17.1",
  "checked": "2026-10-17",
  "scope": "22 selected plans across 10 providers; US/UK cloud editions and desktop tools. Not the whole market.",
  "providers": {
    "quickbooks": {
      "name": "QuickBooks Online",
      "region": "US",
      "summary": "Separate the current Free plan from paid US bookkeeping plans. A monthly price comparison without invoice and bank limits would conceal an important difference.",
      "tradeoff": "Free has one bank connection, limited invoices and no accountant access. Plus is the selected path with published project profitability. Verify US multi-currency requirements directly before purchase.",
      "workflow": "Ask your accountant which plan and report exports they actually need. Test a small signed bank CSV in a duplicate-free date window, then reconcile balances.",
      "sources": [
        "qbo-price",
        "qbo-export",
        "qbo-csv"
      ]
    },
    "xero": {
      "name": "Xero",
      "region": "US",
      "summary": "Compare Early invoice limits with Growing, and Established for verified foreign-currency and project features. All selected prices reflect the October 2026 US update.",
      "tradeoff": "Early has a 20 invoice/5 bill monthly allowance. Payroll and inventory add-ons are separate. A report export is not a full-fidelity backup that another product can restore.",
      "workflow": "Export chart of accounts, open items and dated reports separately. For bank CSVs select the correct bank account and date convention; matching existing transactions is a separate product step.",
      "sources": [
        "xero-price",
        "xero-update",
        "xero-csv",
        "xero-export"
      ]
    },
    "freshbooks": {
      "name": "FreshBooks",
      "region": "US",
      "summary": "Selected Plus and Premium plans focus on client billing alongside double-entry reports. Time tracking and project profitability are separate capabilities.",
      "tradeoff": "Plus has 50 billable clients; Premium removes that limit and adds project profitability. Extra team members cost separately. Reports run one currency at a time.",
      "workflow": "Choose a sample project with a timed task, an expense, invoice and payment. Check the report and CSV export together before deciding whether the workflow fits.",
      "sources": [
        "fresh-price",
        "fresh-profit",
        "fresh-export"
      ]
    },
    "wave": {
      "name": "Wave",
      "region": "US",
      "summary": "Starter provides a zero subscription entry point. Pro adds documented automatic bank import through eligible Plaid connections. This comparison uses US prices only.",
      "tradeoff": "A free subscription does not make payment processing, receipt add-ons or all collaborator roles free. Bank compatibility and invoice-delivery conditions still matter.",
      "workflow": "Verify your specific bank and collaborator role. Download historical records and open invoices before cancelling another product; do not treat a bank-only import as a full accounting migration.",
      "sources": [
        "wave-price"
      ]
    },
    "zoho": {
      "name": "Zoho Books",
      "region": "US",
      "summary": "Free eligibility, bank feeds and multi-currency are distinct gates in the US plan table. Professional is the selected tier with multi-currency customer/vendor transactions.",
      "tradeoff": "Free is subject to the 50 Kannualrevenue threshold. Standard has third-party bank feeds but not multi-currency invoicing. Multiple currencies for the same customer requires a higher tier than Professional.",
      "workflow": "Count yearly invoices, check bank coverage and test one foreign-currency customer workflow. Do not assume another country edition has the same plans or tax settings.",
      "sources": [
        "zoho-price",
        "zoho-features"
      ]
    },
    "freeagent": {
      "name": "FreeAgent",
      "region": "UK",
      "summary": "The selected Sole Trader plan is a business-structure choice. Public documentation includes project profitability, time tracking and multi-currency banking.",
      "tradeoff": "The regular price excludes 20%VAT. Bank-sponsored free access has separate eligibility and is not modelled as a universally free plan. UK filing tools do not establish suitability in another country.",
      "workflow": "Confirm your business structure first. A level 8 user can export account data to Excel and files to ZIP; keep financial reports and attachments with migration records.",
      "sources": [
        "freeagent-price",
        "freeagent-projects",
        "freeagent-bank",
        "freeagent-export"
      ]
    },
    "sage": {
      "name": "Sage Accounting",
      "region": "UK",
      "summary": "UK retail Start, Standard and Plus are compared independently of introductory discounts and accountant wholesale offers. Plus is the verified multi-currency tier.",
      "tradeoff": "Monthly list prices exclude 20%VAT. User allowances and receipt-capture extras differ. Do not assume UK terms apply to the similarly named US product.",
      "workflow": "Ask for a bank-compatibility check and a sample export of the report you need. Confirm whether supplier and accrual workflows require Standard rather than Start.",
      "sources": [
        "sage-price",
        "sage-bank",
        "sage-export"
      ]
    },
    "manager": {
      "name": "Manager Desktop",
      "region": "Desktop",
      "summary": "A free, offline single-user desktop option for Windows, macOS and Linux. Paid cloud and server editions are outside this comparison.",
      "tradeoff": "You maintain your own backup and update process. Cross-platform backup/restore is documented; this is not proof of current bank-feed coverage or a native project-profitability feature.",
      "workflow": "Create a test business before using real books. Import a small statement, reconcile it, take a backup and restore that backup on a separate test location. Legacy guide steps may differ from current UI.",
      "sources": [
        "manager-desktop",
        "manager-currency",
        "manager-import"
      ]
    },
    "gnucash": {
      "name": "GnuCash",
      "region": "Desktop",
      "summary": "Free open-source desktop accounting with double-entry records, small-business invoicing and multiple currency accounts. It also supports personal-accounting use cases.",
      "tradeoff": "Desktop setup and accounting knowledge matter. HTML report export is different from transaction CSV export. Online banking support does not imply every bank or automatic feed works.",
      "workflow": "Set up account mappings before a small CSV import. Test invoices, currencies and exported reports with synthetic records; keep a restorable data-file backup.",
      "sources": [
        "gnucash-home",
        "gnucash-features",
        "gnucash-export",
        "gnucash-csv"
      ]
    },
    "patriot": {
      "name": "Patriot Accounting",
      "region": "US",
      "summary": "Basic and Premium share documented bank imports, invoicing and financial reports. Premium adds recurring invoices, estimates and more user-permission tools.",
      "tradeoff": "Payroll and bookkeeping services are separate purchases. Foreign-currency accounting and project profitability are not established by the sources used here.",
      "workflow": "Check your bank connection and needed permission roles. Export a filtered general ledger and financial statements, and reconcile them against source records before migrating.",
      "sources": [
        "patriot-price",
        "patriot-export"
      ]
    }
  },
  "plans": [
    {
      "id": "qbo-free",
      "provider": "quickbooks",
      "name": "Free",
      "price": 0,
      "currency": "USD",
      "region": "US",
      "billing": "Zero software licence price",
      "features": {
        "bankFeeds": true,
        "multiCurrency": null,
        "projectProfitability": false,
        "reportExport": null
      },
      "note": "1 bank; no accountant access;2 invoices/month unless eligible Payments. Export capability not established for Free.",
      "sources": [
        "qbo-price",
        "qbo-export",
        "qbo-csv"
      ]
    },
    {
      "id": "qbo-simple",
      "provider": "quickbooks",
      "name": "Simple Start",
      "price": 38,
      "currency": "USD",
      "region": "US",
      "billing": "Monthly list subscription",
      "features": {
        "bankFeeds": true,
        "multiCurrency": null,
        "projectProfitability": false,
        "reportExport": true
      },
      "note": "1 user plus 2 accountants; US edition. Foreign-currency feature remains unverified in this dataset.",
      "sources": [
        "qbo-price",
        "qbo-export",
        "qbo-csv"
      ]
    },
    {
      "id": "qbo-essentials",
      "provider": "quickbooks",
      "name": "Essentials",
      "price": 85,
      "currency": "USD",
      "region": "US",
      "billing": "Monthly list subscription",
      "features": {
        "bankFeeds": true,
        "multiCurrency": null,
        "projectProfitability": false,
        "reportExport": true
      },
      "note": "3 users plus 2 accountants; US edition. Verify regional multi-currency rules before relying on it.",
      "sources": [
        "qbo-price",
        "qbo-export",
        "qbo-csv"
      ]
    },
    {
      "id": "qbo-plus",
      "provider": "quickbooks",
      "name": "Plus",
      "price": 140,
      "currency": "USD",
      "region": "US",
      "billing": "Monthly list subscription",
      "features": {
        "bankFeeds": true,
        "multiCurrency": null,
        "projectProfitability": true,
        "reportExport": true
      },
      "note": "5 users plus 2 accountants; project profitability. Optional payroll and payment fees excluded.",
      "sources": [
        "qbo-price",
        "qbo-export",
        "qbo-csv"
      ]
    },
    {
      "id": "xero-early",
      "provider": "xero",
      "name": "Early",
      "price": 27,
      "currency": "USD",
      "region": "US",
      "billing": "Monthly list subscription",
      "features": {
        "bankFeeds": true,
        "multiCurrency": false,
        "projectProfitability": false,
        "reportExport": true
      },
      "note": "20 invoices and 5 bills/month.",
      "sources": [
        "xero-price",
        "xero-update",
        "xero-csv",
        "xero-export"
      ]
    },
    {
      "id": "xero-growing",
      "provider": "xero",
      "name": "Growing",
      "price": 59,
      "currency": "USD",
      "region": "US",
      "billing": "Monthly list subscription",
      "features": {
        "bankFeeds": true,
        "multiCurrency": false,
        "projectProfitability": false,
        "reportExport": true
      },
      "note": "No per-user licence fee; optional add-ons extra.",
      "sources": [
        "xero-price",
        "xero-update",
        "xero-csv",
        "xero-export"
      ]
    },
    {
      "id": "xero-established",
      "provider": "xero",
      "name": "Established",
      "price": 97,
      "currency": "USD",
      "region": "US",
      "billing": "Monthly list subscription",
      "features": {
        "bankFeeds": true,
        "multiCurrency": true,
        "projectProfitability": true,
        "reportExport": true
      },
      "note": "Multi-currency plus project time/cost workflow; optional add-ons extra.",
      "sources": [
        "xero-price",
        "xero-update",
        "xero-csv",
        "xero-export"
      ]
    },
    {
      "id": "fresh-plus",
      "provider": "freshbooks",
      "name": "Plus",
      "price": 43,
      "currency": "USD",
      "region": "US",
      "billing": "Monthly list subscription",
      "features": {
        "bankFeeds": true,
        "multiCurrency": null,
        "projectProfitability": false,
        "reportExport": true
      },
      "note": "50 billable clients; team members 11 USD/month each. Reports one currency at a time.",
      "sources": [
        "fresh-price",
        "fresh-profit",
        "fresh-export"
      ]
    },
    {
      "id": "fresh-premium",
      "provider": "freshbooks",
      "name": "Premium",
      "price": 70,
      "currency": "USD",
      "region": "US",
      "billing": "Monthly list subscription",
      "features": {
        "bankFeeds": true,
        "multiCurrency": null,
        "projectProfitability": true,
        "reportExport": true
      },
      "note": "Unlimited billable clients; team members extra. Project profitability included.",
      "sources": [
        "fresh-price",
        "fresh-profit",
        "fresh-export"
      ]
    },
    {
      "id": "wave-starter",
      "provider": "wave",
      "name": "Starter",
      "price": 0,
      "currency": "USD",
      "region": "US",
      "billing": "Zero software licence price",
      "features": {
        "bankFeeds": false,
        "multiCurrency": null,
        "projectProfitability": null,
        "reportExport": null
      },
      "note": "Manual bookkeeping; automatic bank import is a Pro feature. Processing/receipt add-ons extra.",
      "sources": [
        "wave-price"
      ]
    },
    {
      "id": "wave-pro",
      "provider": "wave",
      "name": "Pro",
      "price": 19,
      "currency": "USD",
      "region": "US",
      "billing": "Monthly list subscription",
      "features": {
        "bankFeeds": true,
        "multiCurrency": null,
        "projectProfitability": null,
        "reportExport": null
      },
      "note": "Supported Plaid bank required. Processing fees and optional services extra.",
      "sources": [
        "wave-price"
      ]
    },
    {
      "id": "zoho-free",
      "provider": "zoho",
      "name": "Free",
      "price": 0,
      "currency": "USD",
      "region": "US",
      "billing": "Zero software licence price",
      "features": {
        "bankFeeds": false,
        "multiCurrency": false,
        "projectProfitability": null,
        "reportExport": true
      },
      "note": "Revenue eligibility<=50 K/year;1000 invoices/year; no third-party bank feeds. PDF/spreadsheet report export; record limits apply.",
      "sources": [
        "zoho-price",
        "zoho-features"
      ]
    },
    {
      "id": "zoho-standard",
      "provider": "zoho",
      "name": "Standard",
      "price": 20,
      "currency": "USD",
      "region": "US",
      "billing": "Monthly list subscription",
      "features": {
        "bankFeeds": true,
        "multiCurrency": false,
        "projectProfitability": null,
        "reportExport": true
      },
      "note": "5000 invoices/year;3 users; monthly billing, not annual equivalent. PDF/spreadsheet report export; record limits apply.",
      "sources": [
        "zoho-price",
        "zoho-features"
      ]
    },
    {
      "id": "zoho-professional",
      "provider": "zoho",
      "name": "Professional",
      "price": 50,
      "currency": "USD",
      "region": "US",
      "billing": "Monthly list subscription",
      "features": {
        "bankFeeds": true,
        "multiCurrency": true,
        "projectProfitability": true,
        "reportExport": true
      },
      "note": "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.",
      "sources": [
        "zoho-price",
        "zoho-features"
      ]
    },
    {
      "id": "freeagent-sole",
      "provider": "freeagent",
      "name": "Sole Trader",
      "price": 19,
      "currency": "GBP",
      "region": "UK",
      "billing": "Monthly list subscription",
      "features": {
        "bankFeeds": true,
        "multiCurrency": true,
        "projectProfitability": true,
        "reportExport": true
      },
      "note": "Ex 20%VAT; business-structure plan. Conditional bank-sponsored free offers excluded.",
      "sources": [
        "freeagent-price",
        "freeagent-projects",
        "freeagent-bank",
        "freeagent-export"
      ]
    },
    {
      "id": "sage-start",
      "provider": "sage",
      "name": "Start",
      "price": 20,
      "currency": "GBP",
      "region": "UK",
      "billing": "Monthly list subscription",
      "features": {
        "bankFeeds": true,
        "multiCurrency": false,
        "projectProfitability": null,
        "reportExport": true
      },
      "note": "1 user. UK retail; ex 20%VAT; optional extras separate.",
      "sources": [
        "sage-price",
        "sage-bank",
        "sage-export"
      ]
    },
    {
      "id": "sage-standard",
      "provider": "sage",
      "name": "Standard",
      "price": 43,
      "currency": "GBP",
      "region": "UK",
      "billing": "Monthly list subscription",
      "features": {
        "bankFeeds": true,
        "multiCurrency": false,
        "projectProfitability": null,
        "reportExport": true
      },
      "note": "3 users; supplier/accrual workflows. UK retail; ex 20%VAT; optional extras separate.",
      "sources": [
        "sage-price",
        "sage-bank",
        "sage-export"
      ]
    },
    {
      "id": "sage-plus",
      "provider": "sage",
      "name": "Plus",
      "price": 59,
      "currency": "GBP",
      "region": "UK",
      "billing": "Monthly list subscription",
      "features": {
        "bankFeeds": true,
        "multiCurrency": true,
        "projectProfitability": null,
        "reportExport": true
      },
      "note": "Unlimited users; multi-currency. UK retail; ex 20%VAT; optional extras separate.",
      "sources": [
        "sage-price",
        "sage-bank",
        "sage-export"
      ]
    },
    {
      "id": "manager-desktop",
      "provider": "manager",
      "name": "Desktop",
      "price": 0,
      "currency": "USD",
      "region": "Desktop",
      "billing": "Zero software licence price",
      "features": {
        "bankFeeds": null,
        "multiCurrency": true,
        "projectProfitability": null,
        "reportExport": null
      },
      "note": "Single user offline Win/Mac/Linux. Zero licence price; no cloud subscription included.",
      "sources": [
        "manager-desktop",
        "manager-currency",
        "manager-import"
      ]
    },
    {
      "id": "gnucash-desktop",
      "provider": "gnucash",
      "name": "Desktop",
      "price": 0,
      "currency": "USD",
      "region": "Desktop",
      "billing": "Zero software licence price",
      "features": {
        "bankFeeds": null,
        "multiCurrency": true,
        "projectProfitability": null,
        "reportExport": true
      },
      "note": "Free open-source licence; reports export HTML/print, not all reports direct CSV. Self-managed backups.",
      "sources": [
        "gnucash-home",
        "gnucash-features",
        "gnucash-export",
        "gnucash-csv"
      ]
    },
    {
      "id": "patriot-basic",
      "provider": "patriot",
      "name": "Basic",
      "price": 20,
      "currency": "USD",
      "region": "US",
      "billing": "Monthly list subscription",
      "features": {
        "bankFeeds": true,
        "multiCurrency": null,
        "projectProfitability": null,
        "reportExport": true
      },
      "note": "US accounting only; payroll and bookkeeping services excluded.",
      "sources": [
        "patriot-price",
        "patriot-export"
      ]
    },
    {
      "id": "patriot-premium",
      "provider": "patriot",
      "name": "Premium",
      "price": 30,
      "currency": "USD",
      "region": "US",
      "billing": "Monthly list subscription",
      "features": {
        "bankFeeds": true,
        "multiCurrency": null,
        "projectProfitability": null,
        "reportExport": true
      },
      "note": "Recurring invoices, estimates and permissions; payroll separate.",
      "sources": [
        "patriot-price",
        "patriot-export"
      ]
    }
  ],
  "sources": {
    "qbo-price": {
      "title": "QuickBooks US plans",
      "url": "https://quickbooks.intuit.com/pricing/",
      "checked": "2026-10-17",
      "kind": "Official documentation",
      "observation": "US monthly list prices: Free 0, Simple Start 38, Essentials 85, Plus 140 USD. Free 1 bank and 2 invoices/month unless qualifying Payments. Plus project profitability. Promotions excluded.",
      "verification": "Public documentation reviewed; no authenticated product test"
    },
    "qbo-csv": {
      "title": "Intuit US bank CSV format",
      "url": "https://quickbooks.intuit.com/learn-support/en-us/help-article/bank-transactions/format-csv-files-excel-bank-transactions-quickbooks/L4BjLWckq_US_en_US",
      "checked": "2026-10-17",
      "kind": "Official documentation",
      "observation": "Three columns Date Description Amount; signed examples. Recommended date dd/mm/yyyy. Four-column Credit/Debit example direction differs from common statement headings; tool uses signed output only. Zero-removal troubleshooting is not permission to drop transactions silently.",
      "verification": "Public documentation reviewed; no authenticated product test"
    },
    "qbo-export": {
      "title": "QuickBooks report export",
      "url": "https://quickbooks.intuit.com/learn-support/en-us/help-article/report-management/export-reports-excel-quickbooks-online/L7iAoP97n_US_en_US",
      "checked": "2026-10-17",
      "kind": "Official documentation",
      "observation": "Financial reports can be exported to Excel; plan report availability and roles apply. Free export availability not independently established.",
      "verification": "Public documentation reviewed; no authenticated product test"
    },
    "xero-price": {
      "title": "Xero US pricing",
      "url": "https://www.xero.com/us/pricing-plans/",
      "checked": "2026-10-17",
      "kind": "Official documentation",
      "observation": "Early 27 Growing 59 Established 97 USD monthly list prices; no per-user licence fee. Early 20 invoices/5 bills. Established multi-currency and projects.",
      "verification": "Public documentation reviewed; no authenticated product test"
    },
    "xero-update": {
      "title": "Xero October 2026 price update",
      "url": "https://www.xero.com/us/pricing-plans/update/",
      "checked": "2026-10-17",
      "kind": "Official documentation",
      "observation": "US list prices effective 1 October 2026:27/59/97. Do not reuse old 25/55/90. Sales tax and optional add-ons extra.",
      "verification": "Public documentation reviewed; no authenticated product test"
    },
    "xero-csv": {
      "title": "Xero CSV bank statements",
      "url": "https://central.xero.com/0/article/Import-a-CSV-bank-statement",
      "checked": "2026-10-17",
      "kind": "Official documentation",
      "observation": "Date and Amount required; Description recommended optional. YYYY/MM/DD supported; dot-decimal signed amounts. Account role and manual column/date mapping apply.",
      "verification": "Public documentation reviewed; no authenticated product test"
    },
    "xero-export": {
      "title": "Xero export formats",
      "url": "https://central.xero.com/0/article/Export-data-out-of-Xero-AU",
      "checked": "2026-10-17",
      "kind": "Official documentation",
      "observation": "General help with role-dependent CSV/XLS and PDF report exports; export separate areas, not one complete restore backup. Country-specific tax reports are not compared.",
      "verification": "Public documentation reviewed; no authenticated product test"
    },
    "fresh-price": {
      "title": "FreshBooks US prices",
      "url": "https://www.freshbooks.com/pricing",
      "checked": "2026-10-17",
      "kind": "Official documentation",
      "observation": "Plus 43 USD monthly 50 clients; Premium 70 unlimited clients, adds project profitability. Team members 11/month each. Promotions and payment/payroll extras excluded.",
      "verification": "Public documentation reviewed; no authenticated product test"
    },
    "fresh-profit": {
      "title": "FreshBooks project profitability",
      "url": "https://support.freshbooks.com/hc/en-us/articles/360057218971-What-is-the-Profitability-Summary-report",
      "checked": "2026-10-17",
      "kind": "Official documentation",
      "observation": "Project profitability report Premium/Select only; Plus time tracking is not this report.",
      "verification": "Public documentation reviewed; no authenticated product test"
    },
    "fresh-export": {
      "title": "FreshBooks report exports",
      "url": "https://support.freshbooks.com/hc/en-us/articles/227478548-How-do-I-export-my-reports",
      "checked": "2026-10-17",
      "kind": "Official documentation",
      "observation": "Export for Excel downloads CSV; reports run one currency at a time. This is not consolidated multi-currency accounting evidence.",
      "verification": "Public documentation reviewed; no authenticated product test"
    },
    "wave-price": {
      "title": "Wave US pricing and comparison",
      "url": "https://www.waveapps.com/pricing",
      "checked": "2026-10-17",
      "kind": "Official documentation",
      "observation": "Starter 0 USD, Pro 19 USD/month monthly list. Pro bank auto-import via eligible Plaid connection. Payments and receipt services have extra conditions/charges; free invoices are not free card processing.",
      "verification": "Public documentation reviewed; no authenticated product test"
    },
    "zoho-price": {
      "title": "Zoho Books US pricing",
      "url": "https://www.zoho.com/us/books/pricing/",
      "checked": "2026-10-17",
      "kind": "Official documentation",
      "observation": "Free 0 revenue eligibility<=50 K perfinancialyear; Standard 20 and Professional 50 USD month-to-month, not annual equivalents 15/40. Professional includes project profitability. Free/Standard/Professional financial report exports include PDF/CSV/XLS/XLSX; instantaneous 20 Krecords spreadsheet or 5 KPDF, asynchronous 100 Krecords for selected plans.",
      "verification": "Public documentation reviewed; no authenticated product test"
    },
    "zoho-features": {
      "title": "Zoho Books US full comparison",
      "url": "https://www.zoho.com/us/books/pricing/pricing-comparison.html",
      "checked": "2026-10-17",
      "kind": "Official documentation",
      "observation": "Free lacks third-party bank feeds; Standard includes them. Professional adds multi-currency invoicing/vendor transactions; same customer across currencies requires Premium. Free 1000/Standard 5000/Professional 10000 invoices/year.",
      "verification": "Public documentation reviewed; no authenticated product test"
    },
    "freeagent-price": {
      "title": "FreeAgent UK pricing",
      "url": "https://www.freeagent.com/pricing/",
      "checked": "2026-10-17",
      "kind": "Official documentation",
      "observation": "Sole trader regular 19 GBP/month before 20%VAT, promotional half-price excluded; business-structure plans are not generic feature tiers. Conditional bank-sponsored free offers excluded from zero-price filter.",
      "verification": "Public documentation reviewed; no authenticated product test"
    },
    "freeagent-projects": {
      "title": "FreeAgent project tools",
      "url": "https://www.freeagent.com/features/projects/",
      "checked": "2026-10-17",
      "kind": "Official documentation",
      "observation": "Project income/expenses/profitability and time tracking; project P&L PDF/CSV exports.",
      "verification": "Public documentation reviewed; no authenticated product test"
    },
    "freeagent-bank": {
      "title": "FreeAgent banking",
      "url": "https://www.freeagent.com/en/features/banking/",
      "checked": "2026-10-17",
      "kind": "Official documentation",
      "observation": "Bank feeds depend on bank support; OFX/QIF/CSV statement upload; multi-currency bank accounts.",
      "verification": "Public documentation reviewed; no authenticated product test"
    },
    "freeagent-export": {
      "title": "FreeAgent data export",
      "url": "https://support.freeagent.com/hc/en-us/articles/115001218490-Export-all-data-attachments-and-files",
      "checked": "2026-10-17",
      "kind": "Official documentation",
      "observation": "Full level 8 access; Excel account data export, separate attachment ZIP and financial report PDFs. Export is not guaranteed cross-product restore.",
      "verification": "Public documentation reviewed; no authenticated product test"
    },
    "sage-price": {
      "title": "Sage Accounting UK retail pricing",
      "url": "https://www.sage.com/en-gb/sage-business-cloud/sage-accounting/",
      "checked": "2026-10-17",
      "kind": "Official documentation",
      "observation": "Start 20 Standard 43 Plus 59 GBP monthly retail list excluding 20%VAT. Plus multi-currency. Introductory 90% discount and accountant wholesale prices excluded.",
      "verification": "Public documentation reviewed; no authenticated product test"
    },
    "sage-bank": {
      "title": "Sage UK bank feeds",
      "url": "https://www.sage.com/en-gb/sage-business-cloud/sage-accounting/features/connect-my-bank/",
      "checked": "2026-10-17",
      "kind": "Official documentation",
      "observation": "Connect supported bank accounts; specific bank availability must be checked.",
      "verification": "Public documentation reviewed; no authenticated product test"
    },
    "sage-export": {
      "title": "Sage UK data export",
      "url": "https://gb-kb.sage.com/portal/app/portlets/results/botviewsolution.jsp?hypermediatext=null&solutionid=222001000101108",
      "checked": "2026-10-17",
      "kind": "Official documentation",
      "observation": "Export lists and reports; bank-feed transactions among documented export types. Do not interpret as a complete restorable backup.",
      "verification": "Public documentation reviewed; no authenticated product test"
    },
    "manager-desktop": {
      "title": "Manager desktop download and licence",
      "url": "https://www.manager.io/download",
      "checked": "2026-10-17",
      "kind": "Official documentation",
      "observation": "Free forever offline desktop Win/Mac/Linux, single user, cross-platform backup/restore. Cloud and server editions excluded.",
      "verification": "Public documentation reviewed; no authenticated product test"
    },
    "manager-currency": {
      "title": "Manager multiple currencies",
      "url": "https://www2.manager.io/guides/9158",
      "checked": "2026-10-17",
      "kind": "Official documentation",
      "observation": "Foreign-currency bank accounts and exchange gains/losses. Legacy official guide; confirm UI against installed release.",
      "verification": "Public documentation reviewed; no authenticated product test"
    },
    "manager-import": {
      "title": "Manager bank statement import",
      "url": "https://www2.manager.io/guides/9240",
      "checked": "2026-10-17",
      "kind": "Official documentation",
      "observation": "Bank statement import workflow. Guide is public documentation, not our installed desktop test.",
      "verification": "Public documentation reviewed; no authenticated product test"
    },
    "gnucash-features": {
      "title": "GnuCash features",
      "url": "https://www.gnucash.org/features.phtml",
      "checked": "2026-10-17",
      "kind": "Official documentation",
      "observation": "Double-entry desktop accounting, small-business invoices and multiple currency accounts. Online banking capabilities depend on available integration; automatic feed filter remains unverified.",
      "verification": "Public documentation reviewed; no authenticated product test"
    },
    "gnucash-home": {
      "title": "GnuCash licence and download",
      "url": "https://www.gnucash.org/",
      "checked": "2026-10-17",
      "kind": "Official documentation",
      "observation": "Free open-source software for Windows/macOS/Linux. Version number is deliberately not compared.",
      "verification": "Public documentation reviewed; no authenticated product test"
    },
    "gnucash-export": {
      "title": "GnuCash report export manual",
      "url": "https://code.gnucash.org/docs/C/gnucash-manual/report-print.html",
      "checked": "2026-10-17",
      "kind": "Official documentation",
      "observation": "Reports export to HTML/print, not evidence every report has direct CSV export.",
      "verification": "Public documentation reviewed; no authenticated product test"
    },
    "gnucash-csv": {
      "title": "GnuCash CSV import/export",
      "url": "https://www.wiki.gnucash.org/wiki/CSV_Import/Export",
      "checked": "2026-10-17",
      "kind": "Official documentation",
      "observation": "CSV transaction import requires account/column/date/encoding mapping; no native acceptance test performed here.",
      "verification": "Public documentation reviewed; no authenticated product test"
    },
    "patriot-price": {
      "title": "Patriot US accounting pricing",
      "url": "https://www.patriotsoftware.com/pricing/",
      "checked": "2026-10-17",
      "kind": "Official documentation",
      "observation": "Basic 20 Premium 30 USD monthly list. Bank import, invoices and financial reports in both. Premium recurring invoices/estimates/permissions; payroll separate.",
      "verification": "Public documentation reviewed; no authenticated product test"
    },
    "patriot-export": {
      "title": "Patriot accounting report formats",
      "url": "https://www.patriotsoftware.com/accounting/reports/",
      "checked": "2026-10-17",
      "kind": "Official documentation",
      "observation": "Financial reports download to PDF or spreadsheet, with date/customer filters.",
      "verification": "Public documentation reviewed; no authenticated product test"
    }
  },
  "affiliateLinks": false,
  "verification": "Documentation comparison only; no authenticated software tests. Own CSV tool tested separately."
}