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Best Accounting Software with a Free Plan or Free Trial

Top picks for Accounting Software available with a free plan or free trial

9.6

SpotScore

Streamline your finances and grow your business.

4.7

Excellent

Free Trial available, Try Now

Freemium not available

Starts from $3.75/month when monthly

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9.2

SpotScore

Streamline your finances with ease.

4.9

Excellent

Free Trial available, Try Now

Freemium not available

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9.8

SpotScore

Effortless accounting, smarter business decisions

4.8

Excellent

Free Trial available, Try Now

Freemium not available

Starts from $3.80/month when monthly

How we score these products

Every product here is scored on the same 10-point SpotScore scale, built from pricing, feature and deployment data we maintain, plus ratings collated from public review sources.

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List of the Best Accounting Software with a Free Plan or Free Trial as of November 2026

9.6

SpotScore

Xero

Xero

RECOMMENDED

Streamline your finances and grow your business.

Best for: SMB teams · Mid-market

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What is Xero?

Xero software is a cloud-based accounting system that helps businesses manage their finances, run payroll, and save time so they can focus on growing their business. This single platform connects all your finances and invoices. It's the resource you need to run your business, no matter where ...

Read more about Xero
Free TrialTry Free →·

Starts from $3.75/month when monthly

9.2

SpotScore

Zoho Books

Zoho Books

RECOMMENDED

Streamline your finances with ease.

Best for: SMB teams · Mid-market · Enterprise

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What is Zoho Books?

Zoho Books is cloud accounting software for small to mid-sized businesses, particularly teams already using other Zoho products like CRM or Desk. It covers the full accounting cycle — invoicing, journal entries, bank reconciliation, and financial reporting — through a single unified platform. ...

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Free TrialTry Free →

9.8

SpotScore

Quickbooks

QuickBooks

Effortless accounting, smarter business decisions

Best for: SMB teams · Mid-market

Start Free Trial

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What is QuickBooks?

QuickBooks is a user-friendly financial management platform designed to help small businesses, freelancers, and growing teams handle accounting, invoicing, payroll, and reporting all in one place. Built for business owners, accountants, service providers, and eCommerce sellers, QuickBooks ...

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Free TrialTry Free →·

Starts from $3.80/month when monthly

9.6

SpotScore

Freshbooks

Freshbooks

Invoicing made easy. Anytime, anywhere.

Best for: SMB teams · Mid-market

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What is Freshbooks?

FreshBooks is cloud accounting software for freelancers, small agencies, and service businesses with under 10 employees who handle their own books. It automates invoicing, expense categorization, and time-to-invoice workflows so owners can bill clients and track billable hours without a ...

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Free TrialTry Free →·

Starts from $8/month when monthly

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9.6

SpotScore

Wave - Accounting Software

Wave

Streamline your finances, save money with Wave.

Best for: SMB teams

Try for Free

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What is Wave?

With Wave, small businesses have access to professional accounting services without any cost. It offers Invoicing, Accounting, and Receipt scanning for free, while its affordable packages provide additional features such as Payments and Payroll. This online software is a cost-effective solution ...

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9.3

SpotScore

MYOB - Accounting Software

MYOB

Streamline your business with MYOB

Best for: SMB teams · Mid-market · Enterprise

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What is MYOB?

MYOB is accounting software for Australian and New Zealand small businesses, built in compliance with ATO requirements. It handles invoicing, expense tracking, payroll, tax reporting, and supplier management, with direct integration for working with accountants and bookkeepers. Customers can ...

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Free Trial

9.2

SpotScore

FreeAgent

FreeAgent

Effortless accounting for small businesses.

Best for: SMB teams

Start Free Trial

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What is FreeAgent?

FreeAgent is an easy accounting software program that helps small teams and individuals do their work better. With its task-based interface, real time data and financial projection dashboard, automation features, cryptocurrency support, and browser and mobile app versions it looks like nothing ...

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Free TrialTry Free →

9.2

SpotScore

Bill.com

Bill.com

Streamline your accounting and payments, hassle-free.

Best for: SMB teams · Mid-market · Enterprise

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Watch Demo

What is Bill.com?

Bill.com is a financial operations platform for small businesses that handles invoicing, bill payments, and expense tracking. It supports electronic document exchange, ACH, credit card, and international payments, and integrates with QuickBooks, Xero, and Sage to reduce manual data entry. ...

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Free TrialTry Free →·

Starts from $0/user/month

9.1

SpotScore

Sage Accounting (Sage One)

Sage Accounting (Sage One)

Streamline your accounting with Sage One.

Best for: SMB teams · Mid-market

Start Free Trial

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Watch Demo

What is Sage Accounting (Sage One)?

Sage Accounting (Sage One) is a cloud-based accounting solution designed to help small business owners, freelancers, and sole traders manage finances with ease and accuracy. The platform streamlines day-to-day bookkeeping tasks like invoicing, expense tracking, bank reconciliation, and tax ...

Read more about Sage Accounting (Sage One)
Free TrialTry Free →·

Starts from $24/month when monthly

8.9

SpotScore

AlignBooks

AlignBooks

SimplifyYourBusiness with User-Friendly Accounting Software.

Best for: SMB teams · Mid-market · Enterprise

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What is AlignBooks?

AlignBooks is an accounting software designed for small businesses in India. Through a simple and easy to use interface, the software provides you a way to invoicing customers and track your expenses. AlignBooks is not a tool to help you with income taxes, but it does provide all the tools ...

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Free TrialTry Free →

8.9

SpotScore

Kashflow

Kashflow

Efficient and intuitive accounting for small businesses.

Best for: SMB teams · Mid-market · Enterprise

Start Free Trial

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What is Kashflow?

KashFlow is accounting software for UK small businesses and non-accountants who need invoicing, expense tracking, payroll, and end-of-year tax reporting in one dashboard. It supports recurring invoicing, PayPal integration, and cloud access across devices at a price point accessible to small ...

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Free TrialTry Free →

8.8

SpotScore

Qonto

Qonto

Streamline your accounting with ease.

Best for: SMB teams · Mid-market

Start Free Trial

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What is Qonto?

Qonto is a business banking platform built for small and mid-size businesses, freelancers, and startups in Europe who want faster account opening and cleaner expense management than traditional banks offer. It handles expense categorization, receipt capture, and transaction management with ...

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Free TrialTry Free →·

Qonto offers custom pricing plan

8.8

SpotScore

HostBooks

HostBooks

Elevate your business with efficient cloud accounting.

Best for: SMB teams · Mid-market · Enterprise

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What is HostBooks?

HostBooks is cloud accounting software for small businesses that need invoicing, inventory management, time tracking, and financial reporting in a single platform. It handles online payment acceptance, custom report generation, and financial statement creation without requiring accounting ...

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Free TrialTry Free →

8.7

SpotScore

Merrchant

Merrchant

Get paid faster with automated accounting.

Best for: SMB teams · Mid-market · Enterprise

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What is Merrchant?

Merrchant is cloud-based accounting software for small businesses and freelancers focused on automating invoice generation, payment reminders, and reconciliation to reduce time spent chasing payments. It integrates directly with payment processors so collected funds flow into accounting records ...

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Free TrialTry Free →

8.7

SpotScore

Clear Books

Clear Books

Streamline your business finances with ease.

Best for: SMB teams

Start Free Trial

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What is Clear Books?

Clear is the best cloud-based accounting software for small businesses. It makes accounting easy by using the intuitive design of a clear book. You get an at-a-glance snapshot of your business finances and can drill down to any transactions or reports you need, including: expense reports, ...

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Free TrialTry Free →

8.7

SpotScore

KhataBook

KhataBook

Simplify your bookkeeping with KhataBook.

Best for: SMB teams

Try for Free

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What is KhataBook?

KhataBook is a cloud-based accounting system that includes features such as accounting journals, creating transactions, advanced reporting, and integrated payments. The software can synchronize your data with other Khata Online products such as KhataWeb (a web based accounting system) and ...

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8.7

SpotScore

Akaunting

Akaunting

Streamline your finances with powerful, user-friendly accounting software.

Best for: SMB teams · Mid-market · Enterprise

Try for Free

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What is Akaunting?

Akaunting is open-source accounting software for individuals and small businesses that want a free, self-hosted alternative to commercial tools like QuickBooks or Xero. It handles invoicing, billing automation, expense tracking, and multicurrency transactions with multi-language support for ...

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8.6

SpotScore

Gekko

Gekko

Effortless accounting for self-employed and small businesses.

Best for: SMB teams · Mid-market · Enterprise

Try for Free

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What is Gekko?

Gekko is a basic accounting software designed specifically for the self-employed and small businesses. Users provide the account names and make entries using simple, fill-in-the-blank fields. The software figures any tax due and informs the user of any totals not found

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8.6

SpotScore

Kashoo

Kashoo

Streamline your bookkeeping and boost your profits.

Best for: SMB teams

Start Free Trial

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What is Kashoo?

Kashoo is an easy-to-use, cloud-based accounting software designed by accountants for small businesses. With Kashoo, you can manage your finances, save time and increase your bottom line with an intuitive system that automates bookkeeping so you have the information you need to stay on top of ...

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Free TrialTry Free →

8.6

SpotScore

Saasu

Saasu

Streamlined accounting for modern businesses.

Best for: SMB teams

Start Free Trial

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What is Saasu?

Saasu is cloud-based accounting software for small to mid-size businesses that need to track sales, expenses, payments, inventory, and vendor accounts in one place. It covers invoicing, bank reconciliation, and financial reporting through a mobile-accessible interface, supporting management ...

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Free TrialTry Free →

Frequently Asked Questions About Accounting Software

Stuck on something? We're here to help with all the questions and answers in one place.

The features most commonly offered by Accounting Software on Spotsaas are Billing and Invoicing, Tax Management, Accounts Payable, Expense Tracking, Accounts Receivable, Bank Reconciliation. Most buyers prioritize ease of use, reporting, and integration capabilities. Start with what covers your core workflow before comparing advanced features.

Accounting Software pricing varies widely, from free plans to enterprise contracts. 15 products on Spotsaas offer a free plan or trial, including Xero, Zoho Books, QuickBooks. Paid plans typically start around $10–$50/month per user. Check individual product pages for current pricing.

The top rated Accounting Software based on verified user reviews and SpotScore are Merrchant, Gekko, Reckon One. These consistently score highest on ease of use, feature depth, and customer support quality. Ratings are updated monthly based on real buyer feedback.

To choose the right Accounting Software, start by listing your must-have features, commonly Billing and Invoicing, Tax Management, Accounts Payable, Expense Tracking, Accounts Receivable, Bank Reconciliation. Then filter by team size, budget, and integrations you already use. Compare at least 3 options and use free trials to test before committing. Spotsaas lets you compare side-by-side in minutes.

Yes. 15 Accounting Software on Spotsaas offer a free plan or free trial. Popular free options include Xero, Zoho Books, QuickBooks. Free plans typically cover core features for small teams; paid upgrades unlock advanced reporting, integrations, and support.

The best Accounting Software for small businesses are affordable, quick to set up, and scale without complexity. Top picks for small teams are QuickBooks, Wave, Freshbooks. Look for per-user pricing, no long-term contracts, and strong onboarding support to minimize ramp-up time.

About the reviewer

Rajat Gupta is the founder of Spotsaas, where he has built software research covering 25,000+ products across CRM, HR, AI, and finance. He applies hands-on product research and a background in commerce and the CFA program to evaluate software through a business and ROI lens. His goal: help teams make software decisions they won't regret.

Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].