Conversion GemsConversion Gems

Accounting and invoicing software

Invoicing, payments, transfers, corporate cards and fundraising tools. Some charge subscriptions, others a fee on every transaction, so model a typical month first.

Scored by the Conversion Gems editorial team · reviewed June 2026 32 with a free plan · 87 with a free trial · median listed price $24/mo
28%of the 113 finance, billing & accounting tools we review offer a free plan.
Based on 113 tools in our database, reviewed June 2026.
113 tools
DetailsPricingFree planFree trialBest forReview
Ramp8.2 / 10Freemium$15/moper seatYesYesUS startups and scale-ups that want free corporate cards with real spend controlsReview Ramp
Givebutter8.1 / 10Freemium$29/moYesYesNonprofits wanting $0 platform cost via donor-tip modelReview Givebutter
Paddle8.1 / 10Usage-based~$0.50approximate——SaaS companies expanding internationally without a tax or finance ops teamReview Paddle
Invoice Ninja8.0 / 10Freemium$14/moYesYesFreelancers and solo consultants managing recurring client billingReview Invoice Ninja
Stripe8.0 / 10Usage-based$0.30/mo——SaaS and subscription businesses needing native recurring billingReview Stripe
Swipe Billing8.0 / 10Freemium~$36/yrapproximateYes—Indian retailers and traders needing fast GST-compliant invoicingReview Swipe Billing
MarginEdge7.9 / 10Paid$350/mo——Multi-unit restaurant operators who need live food cost visibility across locationsReview MarginEdge
Wise7.9 / 10FreemiumFreeYesYesFreelancers and remote workers receiving international paymentsReview Wise
Xero7.9 / 10Paid$25/mo—YesSmall and medium businesses wanting cloud-native double-entry accountingReview Xero
Digits7.7 / 10Paid$65/mo—YesSmall business ownersReview Digits
OpenBB7.7 / 10FreemiumCustomcontact salesYes—Hedge funds and trading desks wanting a Bloomberg alternative with self-hosted IP protectionReview OpenBB
AlphaSense7.6 / 10CustomCustomcontact sales—YesInvestment analystsReview AlphaSense
ATX Tax Software7.6 / 10Paid~$1.1K/yrapproximate——Solo CPAs and small firms filing high volumes of individual (1040) returnsReview ATX Tax Software
Composer7.6 / 10Freemium$32/moYesYesRetail investors seeking automationReview Composer
cpascharge7.6 / 10Paid$10/mo—YesCPA and accounting firms processing regular client invoice paymentsReview cpascharge
Divvy7.6 / 10Freemium$5/moper seatYesYesSMB finance teams wanting free corporate card + expense controlsReview Divvy
Fey7.6 / 10Freemium$30/moYesYesSelf-directed retail investorsReview Fey
FinQuery7.6 / 10Freemium$999/yrYesYesCorporate accounting teams handling ASC 842 or IFRS 16 lease complianceReview FinQuery
FreshBooks7.6 / 10Paid$23/mo—YesFreelancers and independent contractors billing hourly or project-basedReview FreshBooks
Brex7.5 / 10Freemium$12/moper seatYes—Startups needing integrated financial toolsReview Brex
Danelfin7.5 / 10Freemium$22/moYesYesSelf-directed investorsReview Danelfin
paceline7.5 / 10FreeFreeYesYesRegular exercisers wanting passive cashback for workouts they already doReview paceline
Quartr7.5 / 10FreemiumCustomcontact salesYes—Investment professionalsReview Quartr
Stessa7.5 / 10Freemium$12/moYesYesDIY landlords wanting automated bookkeeping and tax prep at no costReview Stessa
BillQuick Core7.4 / 10CustomCustomcontact sales—YesA/E/C firms needing phase-level project billing and Gantt trackingReview BillQuick Core
CPACharge7.4 / 10Paid$10/mo—YesCPA and bookkeeping firms wanting a purpose-built billing portalReview CPACharge
FinChat7.4 / 10Freemium$24/moYesYesIndividual investors conducting detailed stock analysisReview FinChat
GradFin7.4 / 10FreeFreeYesYesFederal loan borrowers pursuing PSLF or income-driven repayment forgivenessReview GradFin
Justworks7.4 / 10Paid$8/mo—YesSMBs scaling from 5–150 W-2 employeesReview Justworks
QuickBooks7.4 / 10Freemium$20/moYesYesSmall business owners needing full-cycle accounting (invoicing through tax prep)Review QuickBooks
TimeNet7.4 / 10Paid$39.99/moper seat—YesSolo attorneys and small law firms managing client billingReview TimeNet
Chargebee7.3 / 10Freemium~$599/moapproximateYesYesSaaS companies moving from manual invoicing or outgrowing Stripe BillingReview Chargebee
Credit Repair Cloud7.3 / 10Paid$49/mo—YesCredit repair entrepreneurs starting or scaling an agencyReview Credit Repair Cloud
HICAPS7.3 / 10Paid$30/mo—YesAllied health practices (physio, chiro, dental) needing instant health-fund rebates at checkoutReview HICAPS
Metronome Billing7.3 / 10FreemiumCustomcontact salesYesYesSaaS companies moving from flat-rate to usage or hybrid pricingReview Metronome Billing
Payoneer7.3 / 10Freemium~$29.95/yrapproximateYes—Freelancers and contractors billing international clientsReview Payoneer
Recurly7.3 / 10Usage-based$249/mo—YesMid-market SaaS teams needing complex subscription and usage-based billingReview Recurly
Trueprofit7.3 / 10Paid$35/mo—YesShopify store owners running paid social at scaleReview Trueprofit
Facts Grant & Aid7.2 / 10Custom~$1K/yrapproximate—YesPrivate and faith-based K-12 schools managing tuition-assistance programsReview Facts Grant & Aid
Wave7.2 / 10Freemium$16/moYes—Freelancers and solopreneurs needing free professional invoicingReview Wave
Koalafi7.1 / 10Usage-basedFree—YesDurable-goods retailers (furniture, appliances, tires, mattresses)Review Koalafi
Lemon Squeezy7.1 / 10Usage-based~$0.50approximate—YesIndie developers selling SaaS or software with license keysReview Lemon Squeezy
Paymerang7.1 / 10CustomCustomcontact sales—YesMid-market AP teams with high vendor payment volumes seeking full automationReview Paymerang
QuickBooks Enterprise7.1 / 10Paid$1.9K/yr—YesManufacturing, wholesale, and retail companies with complex inventory needsReview QuickBooks Enterprise
Runway7.1 / 10CustomCustomcontact sales——Finance leads at scaling companiesReview Runway
CheckKeeper7.0 / 10Paid$14.99/mo—YesSmall businesses issuing checks regularlyReview CheckKeeper
itsdeductible7.0 / 10FreeFreeYes—Tax filersReview itsdeductible
transformify7.0 / 10Freemium$7/moper seatYesYesCompanies hiring or managing contractors across multiple countriesReview transformify
Verifast7.0 / 10Paid$9.99/mo—YesProperty managers screening multiple rental applicants dailyReview Verifast
Bill4Time6.9 / 10Paid$39/moper seat—YesSmall-to-mid law firms needing trust accounting and LEDES billingReview Bill4Time
Ramp8.2 / 10
Freemium · $15/mo · Free trial

US startups and scale-ups that want free corporate cards with real spend controls

Givebutter8.1 / 10
Freemium · $29/mo · Free trial

Nonprofits wanting $0 platform cost via donor-tip model

Paddle8.1 / 10
Usage-based · ~$0.50

SaaS companies expanding internationally without a tax or finance ops team

Freemium · $14/mo · Free trial

Freelancers and solo consultants managing recurring client billing

Stripe8.0 / 10
Usage-based · $0.30/mo

SaaS and subscription businesses needing native recurring billing

Freemium · ~$36/yr

Indian retailers and traders needing fast GST-compliant invoicing

MarginEdge7.9 / 10
Paid · $350/mo

Multi-unit restaurant operators who need live food cost visibility across locations

Wise7.9 / 10
Freemium · Free · Free trial

Freelancers and remote workers receiving international payments

Xero7.9 / 10
Paid · $25/mo · Free trial

Small and medium businesses wanting cloud-native double-entry accounting

Digits7.7 / 10
Paid · $65/mo · Free trial

Small business owners

OpenBB7.7 / 10
Freemium · Custom

Hedge funds and trading desks wanting a Bloomberg alternative with self-hosted IP protection

AlphaSense7.6 / 10
Custom · Free trial

Investment analysts

Paid · ~$1.1K/yr

Solo CPAs and small firms filing high volumes of individual (1040) returns

Composer7.6 / 10
Freemium · $32/mo · Free trial

Retail investors seeking automation

cpascharge7.6 / 10
Paid · $10/mo · Free trial

CPA and accounting firms processing regular client invoice payments

Divvy7.6 / 10
Freemium · $5/mo · Free trial

SMB finance teams wanting free corporate card + expense controls

Fey7.6 / 10
Freemium · $30/mo · Free trial

Self-directed retail investors

FinQuery7.6 / 10
Freemium · $999/yr · Free trial

Corporate accounting teams handling ASC 842 or IFRS 16 lease compliance

FreshBooks7.6 / 10
Paid · $23/mo · Free trial

Freelancers and independent contractors billing hourly or project-based

Brex7.5 / 10
Freemium · $12/mo

Startups needing integrated financial tools

Danelfin7.5 / 10
Freemium · $22/mo · Free trial

Self-directed investors

paceline7.5 / 10
Free · Free trial

Regular exercisers wanting passive cashback for workouts they already do

Quartr7.5 / 10
Freemium · Custom

Investment professionals

Stessa7.5 / 10
Freemium · $12/mo · Free trial

DIY landlords wanting automated bookkeeping and tax prep at no cost

Custom · Free trial

A/E/C firms needing phase-level project billing and Gantt tracking

CPACharge7.4 / 10
Paid · $10/mo · Free trial

CPA and bookkeeping firms wanting a purpose-built billing portal

FinChat7.4 / 10
Freemium · $24/mo · Free trial

Individual investors conducting detailed stock analysis

GradFin7.4 / 10
Free · Free trial

Federal loan borrowers pursuing PSLF or income-driven repayment forgiveness

Justworks7.4 / 10
Paid · $8/mo · Free trial

SMBs scaling from 5–150 W-2 employees

QuickBooks7.4 / 10
Freemium · $20/mo · Free trial

Small business owners needing full-cycle accounting (invoicing through tax prep)

TimeNet7.4 / 10
Paid · $39.99/mo · Free trial

Solo attorneys and small law firms managing client billing

Chargebee7.3 / 10
Freemium · ~$599/mo · Free trial

SaaS companies moving from manual invoicing or outgrowing Stripe Billing

Paid · $49/mo · Free trial

Credit repair entrepreneurs starting or scaling an agency

HICAPS7.3 / 10
Paid · $30/mo · Free trial

Allied health practices (physio, chiro, dental) needing instant health-fund rebates at checkout

Freemium · Custom · Free trial

SaaS companies moving from flat-rate to usage or hybrid pricing

Payoneer7.3 / 10
Freemium · ~$29.95/yr

Freelancers and contractors billing international clients

Recurly7.3 / 10
Usage-based · $249/mo · Free trial

Mid-market SaaS teams needing complex subscription and usage-based billing

Trueprofit7.3 / 10
Paid · $35/mo · Free trial

Shopify store owners running paid social at scale

Custom · ~$1K/yr · Free trial

Private and faith-based K-12 schools managing tuition-assistance programs

Wave7.2 / 10
Freemium · $16/mo

Freelancers and solopreneurs needing free professional invoicing

Koalafi7.1 / 10
Usage-based · Free · Free trial

Durable-goods retailers (furniture, appliances, tires, mattresses)

Usage-based · ~$0.50 · Free trial

Indie developers selling SaaS or software with license keys

Paymerang7.1 / 10
Custom · Free trial

Mid-market AP teams with high vendor payment volumes seeking full automation

Paid · $1.9K/yr · Free trial

Manufacturing, wholesale, and retail companies with complex inventory needs

Runway7.1 / 10
Custom

Finance leads at scaling companies

CheckKeeper7.0 / 10
Paid · $14.99/mo · Free trial

Small businesses issuing checks regularly

Free

Tax filers

transformify7.0 / 10
Freemium · $7/mo · Free trial

Companies hiring or managing contractors across multiple countries

Verifast7.0 / 10
Paid · $9.99/mo · Free trial

Property managers screening multiple rental applicants daily

Bill4Time6.9 / 10
Paid · $39/mo · Free trial

Small-to-mid law firms needing trust accounting and LEDES billing

Showing 50 of 113

About accounting and invoicing software

Finance software here covers several jobs: invoicing and billing (Invoice Ninja, FreshBooks, Swipe Billing), payment processing (Stripe, Paddle), international transfers (Wise), corporate cards and spend control (Ramp, Divvy), nonprofit fundraising (Givebutter) and industry tools such as MarginEdge for restaurant food costs. Pricing splits between subscriptions and fees charged on each transaction, and a large share is quoted only on request. 87 of the 113 tools offer a free trial and 32 a free plan; the median listed subscription starts at $24/mo.

What to compare before you choose

Transaction fees versus subscriptions

Payment tools charge per transaction rather than monthly: Stripe lists 2.9% + $0.30 with no monthly fee, Paddle 5% + $0.50, and Wise transfers from 0.57%. At high volume these fees can exceed a subscription, so model a typical month of revenue before choosing.

Merchant of record or your own stack

Paddle acts as merchant of record and handles international sales tax, which suits SaaS companies without a tax or finance team, but it sells digital goods only. Stripe gives you billing building blocks with lower fees and more setup; our review flags it for non-technical businesses wanting a no-code checkout.

Region, industry and client limits

Several leaders are built for one market: Ramp for US companies, Swipe Billing for GST invoicing in India, MarginEdge for multi-location restaurants and Givebutter for nonprofits. Free tiers also cap usage, as with Invoice Ninja's free plan for 5 clients, so check fit before comparing price.

Questions about finance, billing & accounting software