Best Accounting and Bookkeeping Apps for Small Businesses

Most accounting software comes with a mobile app for on-the-go access. The best apps are feature-rich, with tools for invoicing, reporting, receipt capture and, in some cases, automatic mileage tracking.
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Our pick for simple accounting software
Xero
Our pick for simple accounting software

Xero

Xero

on Xero's website

Sort by:
Our pick for simple accounting software

Xero

Best for Employee access

Starting at
$25/month

Additional pricing tiers (per month): $55, $90.

Promotion
90% off

for 4 months.

on Xero's website

Our pick for simple accounting software

Xero

Best for Employee access

Best for Employee access

Starting at
$25/month

Additional pricing tiers (per month): $55, $90.

Promotion
90% off

for 4 months.

on Xero's website

QuickBooks Online

Best for Overall accounting app

Starting at
$38/month

Additional pricing tiers (per month): $75, $115, $275.

Promotion
50% off

for 3 months or free 30-day trial.

on QuickBooks' website

QuickBooks Online

Best for Overall accounting app

Best for Overall accounting app

Starting at
$38/month

Additional pricing tiers (per month): $75, $115, $275.

Promotion
50% off

for 3 months or free 30-day trial.

on QuickBooks' website

FreshBooks

Best for Freelancers

Starting at
$21/month

Additional pricing tiers (per month): $38, $65, custom.

Promotion
30-day free trial

on FreshBooks' website

FreshBooks

Best for Freelancers

Best for Freelancers

Starting at
$21/month

Additional pricing tiers (per month): $38, $65, custom.

Promotion
30-day free trial

on FreshBooks' website

Zoho Books

Best for Mobile-first features

Starting at
$0

Additional pricing tiers (per month): $20, $50, $70, $150, $275.

Promotion
14-day free trial

of the Premium plan.

on Zoho Books' website

Zoho Books

Best for Mobile-first features

Best for Mobile-first features

Starting at
$0

Additional pricing tiers (per month): $20, $50, $70, $150, $275.

Promotion
14-day free trial

of the Premium plan.

on Zoho Books' website

Wave Accounting

Best for Free accounting app

Starting at
$0

Additional pricing tiers (per month): $19

Promotion
N/A

on Wave's website

Wave Accounting

Best for Free accounting app

Best for Free accounting app

Starting at
$0

Additional pricing tiers (per month): $19

Promotion
N/A

on Wave's website

Odoo

Odoo

Best for All-in-one business management app

4.1

 
Starting at
$0

For use of a single app. Additional pricing tiers per user (per month): $31.10, $46.80.

Promotion
Monthly discount

for the first 12 months.

Odoo

Best for All-in-one business management app

Odoo

Best for All-in-one business management app

4.1

 
Starting at
$0

For use of a single app. Additional pricing tiers per user (per month): $31.10, $46.80.

Promotion
Monthly discount

for the first 12 months.

Product Best for NerdWallet rating Starting at Promotion Learn more
Xero

Xero

Employee access

$25/month

Additional pricing tiers (per month): $55, $90.

90% off

for 4 months.

on Xero's website

QuickBooks

QuickBooks Online

Overall accounting app

$38/month

Additional pricing tiers (per month): $75, $115, $275.

50% off

for 3 months or free 30-day trial.

on QuickBooks' website

FreshBooks

FreshBooks

Freelancers

$21/month

Additional pricing tiers (per month): $38, $65, custom.

30-day free trial

on FreshBooks' website

Zoho Books

Zoho Books

Mobile-first features

$0

Additional pricing tiers (per month): $20, $50, $70, $150, $275.

14-day free trial

of the Premium plan.

on Zoho Books' website

Wave

Wave Accounting

Free accounting app

$0

Additional pricing tiers (per month): $19

N/A

on Wave's website

Odoo

Odoo

All-in-one business management app

4.1 /5
$0

For use of a single app. Additional pricing tiers per user (per month): $31.10, $46.80.

Monthly discount

for the first 12 months.

Product
Product
Best for
Best for
NerdWallet rating
NerdWallet rating
Starting at
Starting at
Promotion
Promotion
Learn more
Learn more
Xero

Xero

Employee access

$25/month

Additional pricing tiers (per month): $55, $90.

90% off

for 4 months.

on Xero's website

QuickBooks

QuickBooks Online

Overall accounting app

$38/month

Additional pricing tiers (per month): $75, $115, $275.

50% off

for 3 months or free 30-day trial.

on QuickBooks' website

FreshBooks

FreshBooks

Freelancers

$21/month

Additional pricing tiers (per month): $38, $65, custom.

30-day free trial

on FreshBooks' website

Zoho Books

Zoho Books

Mobile-first features

$0

Additional pricing tiers (per month): $20, $50, $70, $150, $275.

14-day free trial

of the Premium plan.

on Zoho Books' website

Wave

Wave Accounting

Free accounting app

$0

Additional pricing tiers (per month): $19

N/A

on Wave's website

Odoo

Odoo

All-in-one business management app

4.1 /5
$0

For use of a single app. Additional pricing tiers per user (per month): $31.10, $46.80.

Monthly discount

for the first 12 months.

Our pick for simple accounting software

Xero

Best for Employee access

Close
Starting at
$25/month

Additional pricing tiers (per month): $55, $90.

Promotion
90% off

for 4 months.

on Xero's website

Pros

  • Unlimited users in all pricing plans.
  • Integrates with more than 1,000 third-party apps.
  • Feature set includes an excellent mobile app and suite of reports, capable invoicing features, plus automated bill and receipt capture through Hubdoc.
  • Simple layout and easy to use.

Cons

  • No inbound phone customer support (callbacks are available, though).
  • Entry-level plan limits bills and invoices to five and 20 per month, respectively.
  • Must subscribe to the highest-tier Established plan to claim expenses.

QuickBooks Online

Best for Overall accounting app

Close
Starting at
$38/month

Additional pricing tiers (per month): $75, $115, $275.

Promotion
50% off

for 3 months or free 30-day trial.

on QuickBooks' website

Pros

  • Easy to share information with your accountant and to find QuickBooks experts and online resources if needed.
  • More than 750 app integrations.
  • Robust feature set includes record-keeping, reporting, invoicing and inventory management, plus a capable mobile app.
  • Chat and phone support available Monday through Saturday in all plans.

Cons

  • Expensive compared with the competition.
  • Frequent price increases and a tendency toward upselling.
  • Limited account users with each plan.

FreshBooks

Best for Freelancers

Close
Starting at
$21/month

Additional pricing tiers (per month): $38, $65, custom.

Promotion
30-day free trial

on FreshBooks' website

Pros

  • Stay in touch with clients through the FreshBooks mobile app and get notified when invoices have been viewed or become overdue.
  • Intuitive, customizable invoicing capabilities compete with those of more robust accounting solutions.
  • Track time and add billable hours to invoices in all plans.
  • Weekday phone support in all plans.

Cons

  • Highest-tier Select plan only comes with two users (additional users add $11 per month) and lower-tier plans put limits on billable clients.
  • Least expensive plan lacks double-entry accounting reports, bank reconciliation and accountant access.

Zoho Books

Best for Mobile-first features

Close
Starting at
$0

Additional pricing tiers (per month): $20, $50, $70, $150, $275.

Promotion
14-day free trial

of the Premium plan.

on Zoho Books' website

Pros

  • Less expensive than some competitors; free plan available for businesses with less than $50k in annual revenue.
  • Email support in free plan; phone and chat support in paid plans.
  • Rich feature set includes excellent invoicing, inventory management, workflow rules and a capable mobile app.
  • Add accounting widgets to your phone’s home screen; track time using your Apple Watch.

Cons

  • Fewer third-party integrations and reports than some competitors.
  • No plan includes more than 15 users (can add additional users for a fee).

Wave Accounting

Best for Free accounting app

Close
Starting at
$0

Additional pricing tiers (per month): $19

Promotion
N/A

on Wave's website

Pros

  • Free plan available.
  • Intuitive, customizable invoicing capabilities compete with those of more robust accounting solutions.

Cons

  • Lacks features that quickly growing companies need, like audit trails.
  • Must subscribe to Wave’s Pro plan or other paid services (payroll, payments, advisor, etc.) to receive customer support from a human.
  • No mileage tracking feature and must use Zapier for third-party integrations.

Odoo

Best for All-in-one business management app

Close
Odoo

4.1

 
Starting at
$0

For use of a single app. Additional pricing tiers per user (per month): $31.10, $46.80.

Promotion
Monthly discount

for the first 12 months.

Pros

  • Unlimited users.
  • Vast library of directly integrated apps means the software can grow with your business.
  • Open-source model encourages regular testing and improvement of the software.

Cons

  • Paid plan is required to access the full list of features for most apps and any additional apps.
  • Phone support is only available for database emergencies.

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How to choose accounting and bookkeeping apps

Generally, no accounting or bookkeeping software lives totally on an app. All our picks for the best accounting and bookkeeping apps accompany cloud-based software. Some or most features are available on the apps, but users will probably still need their computers for certain tasks.
The less cumbersome bookkeeping is, though, the easier it will be to keep up. Accounting and bookkeeping apps should feel intuitive, automate simple tasks and make it easy to track receipts and expenses on the go. Here are three steps to take before you decide on the best app for your business.

1. Determine which tasks you need to do from your phone.

Some work functions lend themselves to mobile, like tracking mileage, accepting in-person payments or uploading photos of receipts. Creating and sending estimates and invoices at a job site can be helpful, too.
If you prefer to work on your desktop computer or laptop, software that offers a fairly simple mobile app may be good enough. But if you’re mobile-first in other aspects of your business, then a powerful, intuitive mobile app may be more important.

2. Understand which apps you need to sync with.

Many accounting and bookkeeping software companies also offer payment processing or expense-tracking software, and you may need to use those apps in tandem for the full suite of services. For instance, if you use the Zoho Books app for bookkeeping, you’ll also need the Zoho Expenses app to upload photos of receipts.
If any other business apps or software programs are key to your operations, choose an accounting or bookkeeping app that integrates with those programs.

3. Confirm compatibility with your mobile device. 

All of our picks for the best accounting and bookkeeping apps are available for both iOS and Android devices. If you choose a product that isn't listed, though, make sure its app is compatible with your team’s mobile devices.

4. Check user reviews

If you plan to use your accounting software’s mobile app on a daily basis, navigability and ease of use are paramount. One of the best ways to gauge usability — aside from testing it out yourself — is to scan over user reviews in the App Store and Google Play Store. And since some companies roll out app updates frequently, it’s best to filter reviews by “most recent.” That way, you’re seeing reviews of the app's most updated version.
🤓
Nerdy Tip
Many small business owners who use accounting and bookkeeping software themselves still choose to enlist the help of a bookkeeping service to feel confident they’re keeping accurate financial records and correctly filing their taxes.
Last updated on June 3, 2025

Methodology

NerdWallet independently reviews accounting software products before determining our top picks. We collect the data for our software ratings from products’ public-facing websites and from company representatives. Information is gathered on a regular basis and reviewed by our editorial team for consistency and accuracy.
NerdWallet’s accounting software ratings favor products that are easy to use, reasonably priced, have a robust feature set and can grow with your business. The best accounting software received top marks when evaluated across 10 categories and more than 30 subcategories. Learn more about how we rate small-business accounting software.
These ratings are meant to provide clarity in the decision-making process, but what’s best for your business will depend on its size, growth trajectory and which features you need most. We encourage you to research and compare multiple accounting software products before choosing one.
NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.