Free Accounting software with a free plan (November 2026)

3 of the 21 Accounting tools we track have a free plan. 2 of them also offer a free trial of a paid plan.

Free Accounting plans compared

Tool	Free plan limits	Upgrade from	Free trial	Prices checked
ForwardlyFree business account	10 free standard ACH transfers a month (5 sent, 5 received) 10 free standard ACH transfers a month (5 sent, 5 received) Get paid by card or bank No setup fee Free bank payments between Forwardly-connected businesses	No paid price published	Yes	—
QuickBooksQuickBooks Free	No mobile app access or third-party integrations Send up to 2 invoices per month Track income and expenses No credit card required	$38/moSimple Start	30 days	—
WaveStarter Plan	2.9% + $0.60 per credit card transaction; 3.4% + $0.60 per Amex transaction Create unlimited estimates, invoices, bills, and bookkeeping records Option to accept online payments Invoice on-the-go with the mobile app Manage cash flow and customers in one dashboard	$19/moPro Plan	No	Oct 22, 2026

Tool

Free plan limits

Upgrade from

Free trial

Prices checked

ForwardlyFree business account

10 free standard ACH transfers a month (5 sent, 5 received)

No paid price published

Yes

—

QuickBooksQuickBooks Free

No mobile app access or third-party integrations

$38/moSimple Start

30 days

—

WaveStarter Plan

2.9% + $0.60 per credit card transaction; 3.4% + $0.60 per Amex transaction

$19/moPro Plan

Oct 22, 2026

A tool is listed when one of its published plans costs 0. Limits and features come from the vendor's plan description as captured on the check date.
The upgrade price is the cheapest paid plan per month, in the vendor's currency. Free plan limits change often: confirm them on the vendor page before relying on them.