Can do it. Accounting with the same AI assistant as the rest of the suite, and a free plan that is free indefinitely rather than for a month.
Free plan
Yes
Indefinitely, for solopreneurs and micro businesses under the published revenue threshold:
Month to month
$20/mo
Standard
Billed yearly
$15/mo
Standard plan −25%
Watch out: The free plan stops when your revenue passes the threshold, which is the point at which you can least be bothered to migrate. Paid plans are priced per organisation rather than per seat, so headcount does not move the bill.
All plans (6)
Plan
Price
What you get
Free
$0
Free plan, indefinitely, for solopreneurs and micro businesses under the published revenue threshold: invoices, quotes, expenses and journals, receipt autoscans and sales receipts
Standard
$20/mo · $15/mo yearly
progress invoicing, sales and use tax tracking, and 1099-MISC and 1099-NEC e-filing
Professional
$50/mo · $40/mo yearly
adds sales and purchase order tracking and multi-currency records
adds advanced revenue recognition, dashboard customisation and full inventory management
Ultimate
$275/mo · $240/mo yearly
adds advanced analytics with more than 50 pre-built visualisations and KPI tracking. Every figure is per organisation a month rather than per seat, and the page splits them across two tabs, the first three here and Elite and Ultimate on the second
Can do it. Accounting and invoicing that are genuinely free rather than trial-free, paid for by the payment processing sold alongside.
Free plan
Yes
Indefinitely: unlimited estimates, invoices, bills and bookkeeping records, invoicing from the
Month to month
$19/mo
Pro
Billed yearly
$15.83/mo
$190 a year, Pro plan −17%
Watch out: Free means the accounting; payments and payroll are charged, and that is where the business model actually is. 60 per-transaction fee rather than features, so on annual billing it only starts paying for itself somewhere above roughly 26 card transactions a month.
All plans (2)
Plan
Price
What you get
Free
$0
Starter plan at $0, indefinitely: unlimited estimates, invoices, bills and bookkeeping records, invoicing from the mobile app, and one dashboard for cash flow and customers. Card payments can be switched on at 2.9% plus $0.60 a transaction, or 3.4% plus $0.60 on Amex
Pro
$19/mo
everything in Starter, plus the flat $0.60 per-transaction fee waived so cards run at 2.9% and Amex at 3.4% with nothing added, and bank transactions imported, merged and categorised automatically
Strong fit. A spreadsheet that will fetch data and run analysis from a prompt, without leaving the grid. Familiar shape for anyone who already works in one.
Free plan
Yes
5 AI tasks a month, data tables imported by hand, integrations across 10 accounts and up to 3
Month to month
$8/mo
Plus
Billed yearly
$6/mo
Plus plan −25%
Watch out: A spreadsheet is only as right as its inputs, and a generated formula is easier to trust than to check. AI tasks are capped by tier, at 5 a month free, 200 on Plus and 1,000 on Pro, and Pro charges a flat monthly fee on top of its per-seat price.
All plans (4)
Plan
Price
What you get
Free
$0
Free plan at $0: 5 AI tasks a month, data tables imported by hand, integrations across 10 accounts and up to 3 guests
Plus
$8/mo · $6/mo yearly
200 AI tasks a month, data tables that refresh once a day, 10 integration accounts and up to 10 guests
Pro
$8/mo · $6/mo yearly
1,000 AI tasks a month, data tables that refresh by the minute, 100 integration accounts, up to 200 guests and video support
Enterprise
no price published, sold on enquiry
advanced API endpoints, custom AI models, functions and integrations, high-volume usage, custom themes and designs, SAML SSO and a dedicated customer success manager. Every figure on the page is quoted net, so sales tax or VAT is added on top
By FreshBooksToronto, Canada1 product across 1 category
Can do it. Invoicing and time tracking built for people who bill by the hour, with AI now doing the categorising and the chasing.
Free plan
No
No usable free tier
Month to month
$23/mo
Lite
Billed yearly
$23/mo
$276 a year, Lite plan
Watch out: There is no free plan at all — the 30 days is a trial and then it stops. The prices on its cards are a 90 per cent introductory discount for three months, so the standing rates are ten times what the page leads with.
All plans (5)
Plan
Price
What you get
Free
$0
No free plan — 30 days as a trial, then it stops
Lite
$23/mo
billing to 5 clients, real-time expense tracking, estimates, card, ACH, Apple Pay, Google Pay and buy-now-pay-later collection, and tax-time reports. An offer running as this was checked cut the first three months to $2.30 a month, or a first-year total of $191.27
Plus
$43/mo
billing to 50 clients, plus proposals, client retainers and financial and accounting reports. The same offer cut the first three months to $4.30, or a first year of $357.59
Premium
$70/mo
unlimited clients on everything above. The offer cut the first three months to $7, or a first year of $582.12
Select
Custom
unlimited clients, lower credit card transaction fees and capped ACH bank transfer fees
By MicrosoftRedmond, United States1 product across 1 category
Built for this. Sits inside Word, Excel, Outlook and Teams, so it works on the documents and meetings a company already has. The closest thing to AI that needs no change of habit.
Free plan
No
Paid from the start
Month to month
$25.20/mo
Microsoft 365 Copilot Business, sold to teams rather than to one person
Billed yearly
$21/mo
Microsoft 365 Copilot Business plan −17%
Watch out: An add-on rather than a standalone purchase: the enterprise Copilot seat is $30 a user a month on top of a qualifying Microsoft 365 licence you must already hold, and Copilot Chat is only included if you already pay for an eligible subscription. Agents need an Azure subscription on top again.
All plans (5)
Plan
Price
What you get
Microsoft 365 Copilot Business
$25.20/mo · $21/mo yearly
an add-on to an existing Microsoft 365 plan rather than a subscription in its own right
Microsoft 365 Business Standard with Copilot
$28.20/mo · $23.50/mo yearly
the Microsoft 365 apps across devices with Copilot built in
Microsoft 365 Business Premium with Copilot
$38.40/mo · $32/mo yearly
the same again with the advanced security tier
Microsoft 365 Copilot, the enterprise seat
$30/mo yearly
Microsoft 365 Copilot Chat
included at no additional cost for Microsoft Entra users on an eligible Microsoft 365 subscription, though agents need an Azure subscription and Copilot Studio capacity is bought prepaid
Two things separate these and both are on every card.
Fit
Whether a tool is built for this job, a strong fit for it, or
able to do it without that being its focus.
Free plan
Whether there is a tier you can keep using rather than a
trial that expires.
The order
Fit first, then a free plan, then alphabetical. There is
no score, no weighting we decline to publish, and nothing on this site a company can buy.
Questions
What is the best ai for accounting?
There is no single answer, which is why this page lists 7 rather than one: Zoho Books, Wave, FreshBooks, ChatGPT, Claude, Rows, Microsoft 365 Copilot. 3 of them are built for this kind of work rather than able to do it. Start with a free one.
Which of these have a free plan?
5 of the 7: Zoho Books, Wave, ChatGPT, Claude, Rows. Free means a real free tier you can keep using, not a trial that expires.
How was this list chosen?
By hand, from the 750 products this site tracks, and it is checked against the catalogue on every build — a product renamed or removed breaks the build rather than quietly disappearing from here. Nothing on this site can be paid for: no listing, no position, no wording.
