Category
Accounting & Finance
Invoicing, bookkeeping, expense tracking, and financial reporting for businesses.
5 tools compared
The highest-scoring accounting & finance tool in 2026 is Wave (7.7/10). It offers a free tier to get started.
Cheapest verified option: Wave at $16/mo →
Quick Comparison: Top 3
| Criteria | Wave | Xero | Gusto |
|---|---|---|---|
| Score | 7.7 / 10 | 7.2 / 10 | 7.2 / 10 |
| Price | Free tier available | From $29/mo | From $49/mo |
| Free Tier | Yes | No | No |
| Best For | Freelancers and solopreneurs on a tight budget | Businesses with international operations (strong multi-currency) | US small businesses running payroll for the first time |
All Accounting & Finance Tools
See ranked list →Wave
Best Free OptionWave Financial
7.7
/ 10
Free invoicing and accounting software for small businesses
Xero
Xero Limited
7.2
/ 10
Beautiful business and accounting software
Gusto
Best for Small BusinessGusto
7.2
/ 10
The people platform for small businesses
FreshBooks
FreshBooks
6.9
/ 10
Accounting software that makes running your small business easy
QuickBooks Online
Most PopularIntuit
6
/ 10
Smart, simple online accounting for small businesses
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