Accounting Software Comparison

Compare Xero, QuickBooks, FreeAgent features and pricing

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Strategic Finance & Accounting Accounting & Bookkeeping 🟢 Easy

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Wave

Free

47%

Xero

$15-78/mo

76%

QuickBooks

$30-200/mo

82%

FreshBooks

$17-55/mo

59%

Zoho Books

Free-$29/mo

71%

Sage

$25-50/mo

71%

Pilot

$500+/mo

76%

Feature	Wave	Xero	FreshBooks	Zoho Books	Sage	Pilot
Core Accounting
Invoicing
Bank Reconciliation
Multi-Currency (100+)
Payroll Built-in	⚠️	⚠️		⚠️		⚠️
Startup Fit
Free Tier Available
Stripe / Payment Integration					⚠️
Investor-ready Reports			⚠️	⚠️
Accountant Collaboration	⚠️
Ecosystem
Large App Marketplace (200+)				⚠️
API Access
Hands-off Bookkeeping Service

Pre-revenue: Wave (free) or Zoho Books (free tier) — zero cost, covers invoicing and basic bookkeeping.

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