#1
Microsoft Excel

Microsoft Excel

★★★★★ 4.6 $6+

Industry-standard spreadsheet application with advanced data analysis capabilities.

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✓ Most powerful spreadsheet✓ Advanced formulas✓ Pivot tables
#2
Xero

Xero

★★★★ 4.4 $15+

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

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✓ Beautiful, modern interface✓ Unlimited users on all plans✓ Strong in UK, Australia, NZ markets
#3
Gusto

Gusto

★★★★ 4.4 $40+

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

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✓ Easiest payroll software to set up and run✓ Automatic federal, state, and local tax filings✓ Health insurance and 401(k) brokering built-in
#4
QuickBooks Online

QuickBooks Online

★★★★ 4.3 $30+

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

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✓ Most popular small business accounting tool✓ Excellent integration ecosystem✓ Automatic bank feed reconciliation
#5
Sage

Sage

★★★★ 4.1 $10+

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

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✓ Established brand✓ Good compliance✓ Payroll included

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