Best QuickBooks Online Alternatives

44 tools that can replace or complement QuickBooks Online

Pricing Comparison

Tool Free Plan Starting Price Rating
QuickBooks Online ✗ No $30+ ★ 4.2
YNAB ✗ No $99+ ★ 4.6
QuickBooks Online ✗ No $30+ ★ 4.3
Xero ✗ No $15+ ★ 4.4
Deel ✓ Yes Free / $49+ ★ 4.3
Harvest ✓ Yes Free / $10.8+ ★ 4.4
Gusto ✗ No $40+ ★ 4.4
Rippling ✗ No $8+ ★ 4.5
FreshBooks ✗ No $19+ ★ 4.4
Wave ✓ Yes Free / $16+ ★ 4.2
Mint ✓ Yes Free / $4.99+ ★ 4.2
Empower (Personal Capital) ✓ Yes Free / $0.89+ ★ 4.3
Robinhood ✓ Yes Free / $5+ ★ 4.1
Acorns ✗ No $3+ ★ 4.2
Wealthfront ✗ No $0.25+ ★ 4.4
Plaid ✓ Yes Free / $0+ ★ 4.2
Wise ✓ Yes Free / $0+ ★ 4.6
PayPal ✓ Yes Free / $0+ ★ 4.1
Venmo ✓ Yes Free / $1.75+ ★ 4.2
Workday ✗ No Contact sales ★ 4.2
ADP ✗ No $79+ ★ 4.1
Actual Budget ✓ Yes Free / $0+ ★ 4.5
Ghostfolio ✓ Yes Free / $5.99+ ★ 4.3
Maybe Finance ✓ Yes Free / $0+ ★ 4.2
PocketGuard ✓ Yes Free / $7.99+ ★ 4.2
Goodbudget ✓ Yes Free / $10+ ★ 4.1
EveryDollar ✓ Yes Free / $17.99+ ★ 4.3
Rent Manager ✗ No $1+ ★ 4.1
DoorLoop ✗ No $59+ ★ 4.5
Harvest ✓ Yes Free / $10.8+ ★ 4.4
FreeAgent ✗ No $14+ ★ 4.3
Sage ✗ No $10+ ★ 4.1
Zoho Books ✓ Yes Free / $15+ ★ 4.3
Empower Personal Dashboard ✓ Yes Free ★ 4.3
Copilot Money ✗ No $10.99+ ★ 4.6
CosmoLex ✗ No $89+ ★ 4.3
Paylocity ✗ No Contact sales ★ 4.3
Namely ✗ No Contact sales ★ 3.9
Oyster HR ✗ No $29+ ★ 4.2
Sage Business Cloud Accounting ✗ No $10+ ★ 4.1
Kashoo ✗ No $29.95+ ★ 4.2
Patriot Software ✗ No $17+ ★ 4.4
Monarch Money ✗ No $9.99+ ★ 4.7
Lunch Money ✗ No $10+ ★ 4.4
Bench ✗ No $299+ ★ 4.1

All QuickBooks Online Alternatives

YNAB icon

YNAB

★★★★★ 4.6
$99+

You Need A Budget — proactive budgeting app based on the envelope method.

  • Powerful budgeting method
  • Bank sync
  • Goal tracking
  • No free plan
  • Learning curve
QuickBooks Online icon

QuickBooks Online

★★★★☆ 4.3
$30+

Small business accounting software for invoicing, expense tracking, tax preparation, and financial reporting.

  • Most popular small business accounting tool
  • Excellent integration ecosystem
  • Automatic bank feed reconciliation
  • Expensive for basic needs
  • Frequent price increases
Xero icon

Xero

★★★★☆ 4.4
$15+

Cloud accounting software popular with small businesses and accountants outside the US.

  • Beautiful, modern interface
  • Unlimited users on all plans
  • Strong in UK, Australia, NZ markets
  • Fewer integrations than QuickBooks in US
  • Payroll is a paid add-on
Deel icon

Deel

★★★★☆ 4.3
Free / $49+

Global payroll and compliance platform for hiring international contractors and full-time employees in 150+ countries.

  • Hire globally without setting up entities
  • Handles compliance and contracts automatically
  • Fast payments in local currencies
  • EOR service is very expensive
  • Customer support can be slow
Harvest icon

Harvest

★★★★☆ 4.4
Free / $10.8+

Time tracking and invoicing tool for professional services teams with budget tracking and expense management.

  • Integrated invoicing from tracked time
  • Project budget tracking with alerts
  • Excellent reporting for team utilization
  • Limited project management features
  • Only one project on free plan
Gusto icon

Gusto

★★★★☆ 4.4
$40+

Payroll, benefits, and HR platform for small businesses with automatic tax filings and employee self-service.

  • Easiest payroll software to set up and run
  • Automatic federal, state, and local tax filings
  • Health insurance and 401(k) brokering built-in
  • US-only — no international payroll
  • Gets expensive as headcount grows
Rippling icon

Rippling

★★★★★ 4.5
$8+

Unified workforce platform combining HR, IT, and Finance with device management, payroll, and benefits in one system.

  • Unifies HR + IT + Finance in one platform
  • Automatic device setup/wipe for onboarding/offboarding
  • Global payroll in 50+ countries
  • Pricing is complex and modular
  • Can be overkill for very small teams
FreshBooks icon

FreshBooks

★★★★☆ 4.4
$19+

Cloud accounting software designed for freelancers and service businesses with invoicing, expense tracking, and time tracking.

  • Easiest invoicing tool for freelancers
  • Beautiful invoice templates
  • Built-in time tracking for billable hours
  • Limited to 5 clients on Lite plan
  • Less powerful than QuickBooks for complex accounting
Wave icon

Wave

★★★★☆ 4.2
Free / $16+

Free accounting and invoicing software for small businesses and freelancers with optional paid payroll and payments.

  • Core accounting and invoicing completely free
  • Unlimited income and expense tracking
  • Receipt scanning with OCR included
  • Payroll and payments are paid add-ons
  • No inventory or project tracking
Mint icon

Mint

★★★★☆ 4.2
Free / $4.99+

Personal finance management app by Intuit that aggregates bank accounts, tracks spending, creates budgets, and monitors credit scores in one dashboard.

  • Free comprehensive budgeting and tracking
  • Automatic categorization of transactions
  • Credit score monitoring included
  • Ad-supported free tier with product recommendations
  • Occasional sync issues with some banks
Empower (Personal Capital) icon

Empower (Personal Capital)

★★★★☆ 4.3
Free / $0.89+

Financial planning and wealth management platform combining free budgeting and investment tracking tools with optional advisory services for high-net-worth individuals.

  • Excellent free investment tracking and net worth dashboard
  • Retirement planning calculator (Retirement Planner)
  • Fee analyzer identifies hidden investment fees
  • Wealth management requires $100K minimum
  • Sales calls after signing up for free tools
Robinhood icon

Robinhood

★★★★☆ 4.1
Free / $5+

Commission-free stock, ETF, options, and cryptocurrency trading platform with a mobile-first design aimed at making investing accessible to everyone.

  • Commission-free trading on stocks and ETFs
  • Intuitive and beginner-friendly mobile app
  • Fractional shares available starting at $1
  • Limited research and analysis tools
  • No mutual funds or bonds available
Acorns icon

Acorns

★★★★☆ 4.2
$3+

Micro-investing app that automatically rounds up everyday purchases and invests the spare change into diversified ETF portfolios, plus banking and retirement accounts.

  • Effortless investing through round-ups
  • Expert-built diversified portfolios
  • Retirement account (IRA) option included
  • Flat fee structure expensive for small balances
  • Limited control over individual investments
Wealthfront icon

Wealthfront

★★★★☆ 4.4
$0.25+

Automated investment management platform (robo-advisor) offering tax-loss harvesting, financial planning, and high-yield cash accounts with low advisory fees.

  • Industry-leading tax-loss harvesting
  • Low 0.25% advisory fee
  • High-yield cash account with FDIC insurance
  • No human financial advisors available
  • $500 minimum investment to start
Plaid icon

Plaid

★★★★☆ 4.2
Free / $0+

Financial data API platform connecting applications to bank accounts for account verification, transaction data, identity verification, and payment initiation.

  • Connects to 12,000+ financial institutions
  • Industry standard for fintech bank connections
  • Strong security with bank-level encryption
  • Per-connection pricing can be expensive at scale
  • Some banks have unreliable connections
Wise icon

Wise

★★★★★ 4.6
Free / $0+

International money transfer platform offering multi-currency accounts, debit cards, and business payment tools with transparent low-cost exchange rates.

  • Transparent fees with real mid-market exchange rates
  • Multi-currency account holds 40+ currencies
  • Debit card for spending abroad with no markups
  • Not a full bank (limited banking features)
  • Some currency routes slower than others
PayPal icon

PayPal

★★★★☆ 4.1
Free / $0+

Global digital payments platform enabling online payments, money transfers, merchant services, and buy-now-pay-later for consumers and businesses worldwide.

  • Accepted by millions of merchants globally
  • Buyer and seller protection programs
  • No monthly fees for basic accounts
  • Transaction fees (2.99%+ for merchants) are high
  • Account freezes and holds frustrate sellers
Venmo icon

Venmo

★★★★☆ 4.2
Free / $1.75+

Social payments app for splitting bills, sending money to friends, and making purchases with a social feed, debit card, and crypto trading features.

  • Free person-to-person payments from bank/debit
  • Social feed makes splitting bills easy and fun
  • Widely adopted among US millennials and Gen Z
  • US-only (no international support)
  • Instant transfers cost 1.75% fee
Workday icon

Workday

★★★★☆ 4.2
Contact sales

Enterprise cloud platform for human capital management, financial management, and planning offering unified HR, payroll, finance, and analytics for large organizations.

  • Unified HR and finance in one cloud platform
  • Excellent reporting and analytics capabilities
  • Regular feature updates with continuous delivery
  • Very expensive (enterprise pricing only)
  • Long implementation timelines (6-12+ months)
ADP icon

ADP

★★★★☆ 4.1
$79+

Global payroll and HR solutions provider serving businesses of all sizes with payroll processing, tax filing, benefits administration, and workforce management.

  • Industry leader with 70+ years of payroll expertise
  • Scalable from 1 employee to 100,000+
  • Automatic tax filing and compliance updates
  • Pricing requires custom quote (not transparent)
  • Interface feels dated compared to modern HR tools
Actual Budget icon

Actual Budget

★★★★★ 4.5
Free / $0+

Open-source envelope budgeting app offering local-first personal finance management with bank sync, goal tracking, and reporting with optional self-hosting.

  • Open-source with no subscription fees
  • Local-first with optional sync
  • Beautiful and fast interface
  • Self-hosting required for sync features
  • Smaller community than YNAB
Ghostfolio icon

Ghostfolio

★★★★☆ 4.3
Free / $5.99+

Open-source wealth management platform for tracking stocks, ETFs, crypto, and other assets with portfolio analytics, allocation views, and self-hosting capability.

  • Open-source with self-hosting option
  • Privacy-focused (no data selling or ads)
  • Supports stocks, ETFs, crypto, commodities
  • Limited broker integrations (manual entry mostly)
  • Smaller community than commercial alternatives
Maybe Finance icon

Maybe Finance

★★★★☆ 4.2
Free / $0+

Open-source personal finance and wealth management app offering net worth tracking, investment management, budgeting, and financial planning tools.

  • Fully open-source and free to self-host
  • Comprehensive financial dashboard
  • No ads, no data selling, full privacy
  • Self-hosting only (no managed cloud option yet)
  • Still in active development (features incomplete)

PocketGuard

★★★★☆ 4.2
Free / $7.99+

Personal finance app that shows how much spendable money you have after bills, goals, and necessities, simplifying budgeting into one In My Pocket number.

  • Simple In My Pocket concept
  • Automatic bill detection
  • Bank-level encryption
  • Plus required for custom categories
  • Limited investment tracking

Goodbudget

★★★★☆ 4.1
Free / $10+

Digital envelope budgeting app based on the proven envelope method, designed for couples and families to plan together and track spending by category.

  • Based on proven envelope method
  • Great for couples/shared budgeting
  • Works on web and mobile
  • Manual transaction entry by default
  • Limited reporting in free version

EveryDollar

★★★★☆ 4.3
Free / $17.99+

Zero-based budgeting app from Ramsey Solutions that helps you assign every dollar a job, following Dave Ramsey financial principles for debt-free living.

  • Simple zero-based budget approach
  • Based on proven Ramsey method
  • Custom budget fund tracking
  • Bank sync requires premium ($17.99/mo)
  • No investment tracking

Rent Manager

★★★★☆ 4.1
$1+

Comprehensive property management software for landlords and property managers, handling accounting, maintenance, tenant screening, and marketing from one platform.

  • Full double-entry accounting
  • Customizable reports and dashboards
  • Built-in tenant portal
  • Dated interface compared to newer tools
  • Steep learning curve

DoorLoop

★★★★★ 4.5
$59+

Modern property management software designed for simplicity, with automated rent collection, maintenance requests, tenant screening, and owner reporting.

  • Very intuitive modern interface
  • Quick setup and onboarding
  • Automated rent reminders
  • Fewer advanced features than legacy tools
  • No free plan
Harvest icon

Harvest

★★★★☆ 4.4
Free / $10.8+

Time tracking and invoicing software for teams that bill by the hour.

  • Simple time tracking
  • Invoicing included
  • Good integrations
  • Limited free plan
  • Basic project management
FreeAgent icon

FreeAgent

★★★★☆ 4.3
$14+

Cloud accounting software designed for freelancers and small businesses in the UK.

  • Great for UK businesses
  • HMRC compliant
  • Easy invoicing
  • UK-focused
  • Limited for larger businesses
Sage icon

Sage

★★★★☆ 4.1
$10+

Cloud accounting and business management software for small to mid-sized businesses.

  • Established brand
  • Good compliance
  • Payroll included
  • Dated interface
  • Complex pricing
Zoho Books icon

Zoho Books

★★★★☆ 4.3
Free / $15+

Online accounting software for managing finances, automating workflows, and collaborating.

  • Free plan available
  • Zoho ecosystem
  • Good automation
  • Revenue limits on free
  • Limited third-party integrations
Empower Personal Dashboard icon

Empower Personal Dashboard

★★★★☆ 4.3
Free

Free financial dashboard for tracking net worth, investments, and retirement planning.

  • Free tracking tools
  • Investment analysis
  • Retirement planner
  • Advisor upsell
  • Limited budgeting
Copilot Money icon

Copilot Money

★★★★★ 4.6
$10.99+

Beautiful personal finance app for iOS with automatic categorization and insights.

  • Beautiful design
  • Automatic categorization
  • Investment tracking
  • iOS only
  • No free tier

CosmoLex

★★★★☆ 4.3
$89+

Cloud-based legal practice management and accounting solution with built-in trust accounting, eliminating the need for separate software.

  • Built-in legal accounting
  • Trust/IOLTA compliance
  • No need for QuickBooks
  • Interface not the most modern
  • Limited third-party integrations

Paylocity

★★★★☆ 4.3
Contact sales

Cloud-based HCM and payroll platform for mid-size businesses offering payroll, benefits administration, talent management, and workforce management.

  • Strong payroll processing
  • Good employee self-service
  • Modern community features
  • Implementation can be lengthy
  • Pricing not transparent

Namely

★★★★☆ 3.9
Contact sales

All-in-one HR platform for mid-size companies offering payroll, benefits administration, talent management, and time tracking in one system.

  • All-in-one HR solution
  • Good for mid-size companies
  • Employee self-service
  • Customer support issues reported
  • Interface can be slow

Oyster HR

★★★★☆ 4.2
$29+

Global employment platform enabling companies to hire, pay, and manage international employees and contractors in 180+ countries compliantly.

  • Hire in 180+ countries
  • Handles local compliance
  • Good contractor management
  • Expensive EOR service
  • Limited HRIS features

Sage Business Cloud Accounting

★★★★☆ 4.1
$10+

Cloud accounting software for small businesses offering invoicing, expense tracking, cash flow management, and tax compliance tools.

  • Established trusted brand
  • Strong compliance features
  • Good multi-currency support
  • Interface less modern than competitors
  • Customer support inconsistent

Kashoo

★★★★☆ 4.2
$29.95+

Simple cloud accounting software designed for small business owners who need easy invoicing, expense tracking, and tax-ready financial reports.

  • Very simple to use
  • Flat monthly pricing
  • Good for non-accountants
  • Limited advanced features
  • No payroll included

Patriot Software

★★★★☆ 4.4
$17+

Affordable accounting and payroll software designed for American small businesses with straightforward pricing and US-based support.

  • Very affordable pricing
  • US-based phone support
  • Easy to use interface
  • US-only
  • Limited integrations

Monarch Money

★★★★★ 4.7
$9.99+

Modern personal finance app that aggregates all financial accounts for budgeting, net worth tracking, investment monitoring, and collaborative planning.

  • Beautiful modern interface
  • Great for couples
  • Excellent investment tracking
  • No free plan
  • Newer platform

Lunch Money

★★★★☆ 4.4
$10+

Modern multicurrency personal finance tracking tool with bank connections, crypto support, and developer-friendly API for tech-savvy budgeters.

  • Excellent multi-currency support
  • Developer-friendly API
  • Clean modern interface
  • No free plan
  • Limited mobile app

Bench

★★★★☆ 4.1
$299+

Online bookkeeping service combining proprietary software with a dedicated team of bookkeepers who handle your books monthly for small businesses.

  • Dedicated bookkeeping team
  • Year-end tax-ready financials
  • Simple to use platform
  • Expensive for basic needs
  • Limited real-time access

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