11 BEST Small Business Accounting Software in USA (2023)

By : Matthew Martin Matthew Martin
Hours Updated

Accounting software is an application that records and processes financial transactions within modules. These modules include account receivable, account payable, ledger, journal, payroll, etc. It helps professionals to manage accounts and perform numerous accounting operations.

Following is a handpicked list of Top Accounting Software for Small Business with popular features and website links. The list contains both open source (free) and commercial (paid) software.

Best Accounting Software for Small Business

Quickbooks Xero Zoho Books Netsuite
Name Quickbooks Xero Zoho Books NetSuite
Features ✔️ You can access your account and manage your business anytime, anywhere.
✔️ It supports online banking integration.		 ✔️ You can connect Xero to your bank.
✔️ Xero provides financial reports to monitor the amounts.		 ✔️ It automatically calculates GST and generates the report.
✔️ It enables you to integrate with numerous online payments.		 ✔️ Helps you to streamline your financial planning process.
✔️ You can manage users according to their roles using the dashboard.
Price 30-Days Free Trial 30-Days Free Trial 14-Days Free Trial 14-Days Free Trial
Review/Rating 4.7 4.6 4.5 4.4
Link Visit website Visit website Visit website Visit website

1) Quickbooks

Quickbooks is an automated accounting software that enables you to handle sales tax, bookkeeping, invoicing, etc. You can use this software to track bills and expenses.

Quickbooks is a comprehensive accounting tool in the USA tailored for small businesses. It offers a range of functionalities, including customizable reports, inventory tracking, multiple payment options, and integrations with platforms like PayPal and Shopify. It also assists with compliance standards like PCI and SOC.

Quickbooks offers customer support via phone and is compatible with Windows, Android, and iOS platforms. Plans start at $11 monthly with a 30% discount on yearly payments. They also provide a 30-day free trial.

#1 Top Pick
Quickbooks
Quickbooks
5.0

Customer Support: Phone

Compliance standard: PCI and SOC

Supported Platforms: Windows, Android and iOS

Free Trial: 30 Days Free Trial

Visit Quickbooks

Features:

  • You can access your account and manage your business anytime, anywhere.
  • It supports online banking integration.
  • You to create professional invoices and sales receipts.
  • Control your books with roles and permissions.
  • You can manage your cash flow according to vendors’ due.
  • It provides customer support via Phone
  • Supported platforms: Windows, Android and iOS
  • Price: Plans start at $11 a month. 30% Discount on Yearly Payment.
  • Free Trial: 30 Days Free Trial

Pros

  • Simple and easy to use
  • Beginner-friendly UI
  • Easy inventory management
  • Sync bank statements

Cons

  • Below-average customer support

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30-Days Free Trial

2) Xero

Xero is an best accounting software in USA for small businesses. It enables you to collaborate with your advisors and share it with your employees. The key benefit of this app is that it automatically tracks profit and losses across more than one currency.

Xero is one of the best accounting software offering financial reports, contact histories, and a unified dashboard to gauge business health. It meets compliance standards like ISO 27001 and offers functionalities ranging from bank connections to analytics, integrating seamlessly with Zapier.

Xero runs on Windows, Mac, Android, and iOS platforms. Pricing begins at $25 a month, and they offer a 30-day free trial.

#2
Xero
Xero
4.9

Customer Support: Email

Compliance standard: GST and GDPR

Supported Platforms: Windows, Mac, Android and iOS

Free Trial: 30-Days Free Trial

Visit Xero

Features:

  • This accounting software can track bank cash flow.
  • It allows you to send online invoices with online payment options.
  • You can connect Xero to your bank.
  • Record and manage receipts and expenses.
  • You can follow an employee’s payroll information.
  • Xero provides financial reports to monitor the amounts.
  • It provides customer support via Email
  • Supported platforms: Windows, Mac, Android and iOS
  • Price: Plans start at $25 a month.
  • Free Trial: 30 Days Free Trial

Pros

  • Ease of use
  • Easily Integrated
  • User-Friendly
  • Cloud-based Service

Cons

  • No live chat and phone support
  • No automatic recurring payments

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30-Days Free Trial

3) Zoho Books

Zoho Books is a tax compliant accounting software that enables you to manage your account payables, receivables. It allows you to collaborate with the company employee.

Zoho Books is an advanced accounting software that automatically imports bank statements and easily manages multiple projects. It supports compliance standards like GST and GDPR, offers stock tracking, and provides varied payment options. The tool is integrated with platforms like Zapier and Slack and comes with features like multi-currency support and end-to-end accounting.

Zoho Books offers customer support through phone, chat, and email. It’s accessible on Windows, Android, and iOS. Pricing begins at $20 a month, with a 25% yearly payment discount and a 14-day free trial.

#3
Zoho Books
Zoho Books
4.8

Customer Support: Phone, Chat and Email

Compliance standard: GST and GDPR

Supported Platforms: Windows, Android and iOS

Free Trial: 14 Days Free Trial

Visit Zoho Books

Features:

  • It automatically calculates GST and generates the report.
  • You can follow up payment using automatic alerts.
  • Zoho Books enables you to track expenses and record bills.
  • It enables you to integrate with numerous online payments.
  • You can choose your price from the list provided by Zoho Books.
  • It provides customer support via Phone, Chat and Email
  • Supported platforms: Windows, Android and iOS
  • Price: Plans start at $20 a month. 25% Discount on Yearly Payment.
  • Free Trial: 14 Days Free Trial

Pros

  • Easy to access
  • End-to-End Accounting
  • Time Tracking
  • Customizable Reports
  • Great mobile apps

Cons

  • Complex for small businesses
  • Cannot track fixed assets

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14-Days Free Trial

4) Netsuite

NetSuite is an integrated cloud business product suite developed by Oracle. It provides real-time visibility of your business financial performance.

Netsuite is a comprehensive accounting software that adheres to SOC and ISO 27001 standards, offering features like stock tracking and diverse payment methods. It specializes in cloud finance, billing management, and global accounting, backed by robust customer support.

Netsuite is available on Windows, Linux, and Mac OS. Plans commence at $99 a month, with a 14-day free trial.

#4
NetSuite
NetSuite
4.7

Customer Support: Phone, Chat and Email

Compliance standard: GAAP, SOX and more.

Supported Platforms: Windows, Linux and Mac OS

Free Trial: 14-Days Free Trial

Visit NetSuite

Features:

  • It has billing management capabilities that can integrate your finance and sales.
  • This bookkeeping software provides a revenue recognition management solution.
  • Netsuite helps you to streamline your financial planning process.
  • You can manage users according to their roles using the dashboard.
  • It provides customer support via Phone, Chat and Email
  • Supported platforms: Windows, Linux and Mac OS
  • Price: Plans start at $99 a month.
  • Free Trial: 14 Days Free Trial

Pros

  • Multiple integration options
  • Ideal for big companies
  • Real-Time Data Visibility
  • Large User Network

Cons

  • Pricing isn’t transparent
  • Not ideal for small businesses

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14 Days Free Trial

5) Freshbooks

FreshBooks is an best accounting software in USA developed by 2ndsite Inc company. It helps you to run your small business fast, easy, and secure way.

Freshbooks is a mobile-friendly accounting software ensuring compliance and accuracy while supporting standards like PCI and GDPR. It features time tracking, multiple payment gateways, and robust reporting. With integrations like Hubspot and Zapier, it also supports multi-currency, invoicing, and more.

Freshbooks offers support via phone, chat, and email. Compatible with Windows, Android, and iOS, plans start at $4.50 monthly with a 5% discount for yearly payments. A 30-day no-credit-card-required trial is available.

#5
FreshBooks
FreshBooks
4.6

Customer Support: Phone, Chat and Email

Compliance standard: PCI and GDPR

Supported Platforms: Windows, Android and iOS

Free Trial: 30 Days Free Trial (No Credit Card Required)

Visit FreshBooks

Features:

  • This bookkeeping software can generate invoices for clients in just a few clicks.
  • This accounting software enables you to organize expenses effortlessly.
  • You can use log hours without any hassle and automatically put them onto the invoice.
  • This accounting software helps you to collaborate on projects.
  • It provides customer support via Phone, Chat and Email
  • Supported platforms: Windows, Android and iOS
  • Price: Plans start at $4.50 a month. 5% Discount on Yearly Payment.
  • Free Trial: 30 Days Free Trial (No Credit Card Required)

Pros

  • Fast customer supports
  • Flexible pricing plans
  • Expansive integration
  • Collaboration focused

Cons

  • Lacks multi-currency support

Get Free Now >>

30 Days Free Trial (No Credit Card Required)

6) Patriotsoftware

Patriotsoftware is an online accounting and payroll management software for small businesses. It enables you to securely run your payroll from any device connected to the internet.

Patriot Software is a small business payroll and accounting tool that ensures compliance with payroll standards. It offers versatile payment methods, including PayPal, Venmo, and Zelle. Users benefit from free direct deposit, ease of use, free payroll setup, and unlimited payrolls. Additionally, its commitment to quality and trustworthiness is evidenced by its customer support options via phone, chat, and email. Features include multi-currency capabilities, payment reminders, cash flow tracking, and invoicing.

Patriot Software is available on Windows and offers plans starting at $17 a month. Users can explore its features with a 30-day free trial.

Patriot

Features:

  • This small business accounting software provides support via phone, chat, or email.
  • You can track all customer payments you need to make.
  • It utilizes encryption techniques to keep your bank information safe.
  • You can assign departments to vendor payments and customer invoices.
  • It provides customer support via Phone, Chat and Email
  • Offers Multi-currency, Payment Reminders, Cashflow Tracking, Payroll, and Invoicing
  • Supported platforms: Windows
  • Price: Plans start at $17 a month.
  • Free Trial: 30 Days Free Trial

Pros

  • Easy to use
  • Affordable
  • Simple interface
  • Great payroll flexibility

Cons

  • No customizable reports
  • Lack of notifications

Get Free Now >>

30 Days Free Trial

7) Melio

Melio is a web-based accounts payable software that lets businesses conveniently pay their bills via bank transfer and debit card for free OR via a credit card (2.9% fee), even for vendors who only accept check payments.

Melio is an easy-to-use small business accounting tool, offering a streamlined experience with QuickBooks sync, removing the need for dual entry. Adhering to PCI DSS standards, it provides multiple payment options like ACH, debit, and credit. Features include unlimited users, team management, recurring payments, and accounts payable. Melio also integrates seamlessly with Xero and FreshBooks, supporting multi-currency, payment reminders, and invoicing.

Melio provides customer support through a contact form and email. Compatible with Windows and Mac, pricing begins at $1.50 monthly with a 7-day free trial.

Melio

Features:

  • Pay any invoice with a bank transfer for FREE, or use your credit card to defer payment (2.9% fee). Vendors receive a check or a bank deposit
  • No sign-up or monthly fees. No transaction fees and no charges to recipients
  • User-friendly, efficient, reduce costs, saves time, which enables SMBs to focus their business rather than logistics
  • It provides customer support via Contact Form and Email
  • Supported platforms: Windows and Mac
  • Price: Plans start at $1.50 a month.
  • Free Trial: 7 Days Free Trial

Pros

  • Reliable cusomer support
  • Easy approval for the payment
  • Easy payroll process
  • Organize documents

Cons

  • Only pay companies located in the U.S.
  • Limits of Integration

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7 Days Free Trial

8) Sage

Sage is a small business and accounting software that helps you to manage payments and expenses. It offers a wide range of payroll and accountancy products.

Sage is a comprehensive tool ensuring GDPR compliance and tracking inventory. It supports multiple payment gateways, including Stripe and PayPal. It’s a one-stop solution for businesses with features like automated bank reconciliation, cash flow management, invoicing, job costing, and advanced reporting. Sage also boasts a Security Shield and integrates effortlessly with Zapier, offering functionalities like multi-currency support, cash flow tracking, payroll, and invoicing.

Sage is available on Windows and Mac platforms. Pricing begins at $34.30 monthly with a 40% discount for yearly payments. Potential users can explore its features with a 30-day free trial without needing a credit card.

Sage

Features:

  • You can access customer details, transaction history, and account balances from M.S. outlook.
  • It can be integrated with Office 365.
  • You can upload a photograph of expense receipts to Microsoft OneDrive, and it will automatically sync with Sage.
  • Supported platforms: Windows and Mac
  • Price: Plans start at $34.30 a month. 40% Discount on Yearly Payment.
  • Free Trial: 30 Days Free Trial (No Credit Card Required)

Pros

  • Cloud-based
  • In-depth reporting function
  • Multiple customisation opportunities
  • Easy integration
  • Affordable monthly costs

Cons

  • Time-consuming to set up
  • Not easy to use
  • Lack of Efficiency

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30 Days Free Trial

9) Neat

Neat is the easy-to-use small business accounting and bookkeeping software for businesses of all sizes. It is one of the best small business accounting software that increases efficiency with real-time reporting, mobile receipt capture, fuss-free customer billing with online payments, and more.

Neat enhances financial management by minimizing bookkeeping errors. It offers features like real-time expense updates by pairing receipts and a mobile app for instant uploads. Neat meets HIPAA compliance standards and provides a range of payment options. The tool simplifies tax processes, offers unlimited storage, and guarantees accurate data capture. Integration with Quickbooks, Gmail, and Turbotax further amplifies its utility. It supports multi-currency transactions, payment reminders, cashflow tracking, and invoicing.

Neat provides customer support through chat and a contact form. It’s compatible with Windows, Android, and iOS. With monthly plans starting at $200, users can opt for a 14-day free trial.

Neat

Features:

  • Neat helps you visualize your business by providing trending data about your cash balance, total sales, large expenses, etc.
  • It allows you to access saved reports and documents that need review.
  • This tool helps you to make informed decisions with real-time reporting.
  • It enables you to reduce costly bookkeeping mistakes.
  • Neat offers unlimited support to solve all your queries.
  • It provides customer support via Chat and Contact Form
  • Supported platforms: Windows, Android and iOS
  • Price: Plans start at $200 a month.
  • Free Trial: 14 Days Free Trial

Pros

  • Easy to use
  • Easy to install
  • Simple interface
  • Easy to pair receipts with expenses

Cons

  • Lacks CRM integration
  • Expensive

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14-Days Free Trial

10) Freeagent

FreeAgent is an online accounting and money management tool. You can use it to send and track professionally designed invoices. This small business accounting software provides a bird’s eye view of the performance of income, expenses, and profit.

Freeagent is the best online accounting tool for small businesses, offering an integrated stopwatch for time recording. It aligns with GDPR and features time and expense tracking. The software presents a comprehensive dashboard, business insights, security measures, and more. Integration with platforms like Stripe, PayPal, and Zapier is seamless. It supports multi-currency, cashflow tracking, payroll, and invoicing.

Freeagent offers customer support through chat and email. It’s designed for Windows, with monthly plans starting at $12 and a 12% discount for yearly subscribers. A 30-day free trial is also available.

Freeagent

Features:

  • You can fill and file your self-assessment tax return to HMRC.
  • You can forecast your corporation tax bill.
  • This best accounting software enables you to analyze your cash flow and see when your tax bills are due.
  • You can review VAT returns and file with a single click.
  • It provides customer support via Chat and Email
  • Supported platforms: Windows
  • Price: Plans start at $12 a month. 12% Discount on Yearly Payment.
  • Free Trial: 30 Days Free Trial

Pros

  • Reasonable monthly cost
  • International invoicing
  • Well-designed UI
  • Unlimited number of clients

Cons

  • Limited reporting features
  • Lack of integrations

Link: https://www.freeagent.com/us/

11) Waveapps

Waveapps accounting tool helps you to handle invoices, track expenses, transactions, and investments. It enables you to connect unlimited bank connections.

Waveapps is a versatile accounting tool that facilitates income and expense tracking. It provides various payment methods and offers features like accounting, banking, and advisory services. Integration with platforms like PayPal, Stripe, and HubSpot is seamless. It also provides payment reminders, cashflow tracking, payroll, and invoicing.

Waveapps offers email-based customer support. Available on Windows, pricing starts at $6 monthly, complemented by a 30-day free trial.

Waveapps

Features:

  • This accounting software for small business enables you to track income and expenses without any stress.
  • Waveapps enables you to create and send unlimited professional invoices.
  • It has a smart dashboard that gives complete information about how your business is going.
  • It provides customer support via Email
  • Supported platforms: Windows
  • Price: Plans start at $6 a month.
  • Free Trial: 30 Days Free Trial

Pros

  • Fully integrated
  • Hassle-free Invoice management
  • User-friendly interface
  • Handling multi-currency

Cons

  • Lacks time-tracking features
  • Basic options for the reporting
  • Poor customer support

Link: https://www.waveapps.com/accounting

FAQ

The following are the key difference between desktop and cloud small business accounting software:

Desktop Small Business Accounting Software: To use desktop software, You need to install software on your computer and run it there. And all your business accounts data is also stored on your computer.

Cloud Small Business Accounting Software: This accounting software runs on the internet. To use it, no need to install software on your computer. Your business accounts data is stored on a cloud server. To access the Cloud software, you visit a website and sign in with a username and password. This means you can access software with a connection to the internet from anywhere and any device.

Below are some of the Best Small Business Accounting Software in USA:

You should consider the following factors before selecting best accounting software for small business.

  • Ease of use.
  • Size of your business.
  • Quality of Customer support.
  • License cost, if applicable.
  • Hardware/Software requirements of the accounting software.
  • Support and Update the policy of the accounting software.
  • Reviews of the company.

Best Accounting Software for Small Business

Quickbooks Xero Zoho Books Netsuite
Name Quickbooks Xero Zoho Books NetSuite
Features ✔️ You can access your account and manage your business anytime, anywhere.
✔️ It supports online banking integration.		 ✔️ You can connect Xero to your bank.
✔️ Xero provides financial reports to monitor the amounts.		 ✔️ It automatically calculates GST and generates the report.
✔️ It enables you to integrate with numerous online payments.		 ✔️ Helps you to streamline your financial planning process.
✔️ You can manage users according to their roles using the dashboard.
Price 30-Days Free Trial 30-Days Free Trial 14-Days Free Trial 14-Days Free Trial
Review/Rating 4.7 4.6 4.5 4.4
Link Visit website Visit website Visit website Visit website