Accounting software cost calculator
Set your own numbers and see what each accounting option costs in dollars, from prices read on each provider’s own page.
- Wave Starter$0.00+ $246.40 payment fees at published rates
- Zoho Books Standard$20.00Payment fees not published
- Xero Early$27.00Payment fees not published
- FreshBooks Plus$54.00+ $244.00 payment fees at published rates · includes $11 for extra logins
- QuickBooks Online Essentials$85.00+ $247.36 payment fees at published rates
Regular published prices only. Introductory offers and tax are left out. Figures are arithmetic on the provider’s own numbers, not a recommendation.
US prices read 28 October 2026. Default: two people with logins, 12 clients and 15 invoices a month averaging $800.
How it works
The calculator uses only figures each provider publishes. Where a fee is not published, the row says so and the figure leaves it out, which is why such a row ranks after every fully priced one. Introductory discounts are ignored because they end; tax is excluded because it depends on you.
The same code ranks the lists in our invoicing & accounting comparisons, using the defaults shown, so the order on those pages is the order this calculator gives for that profile. See how we rank.
Best accounting software for small businesses in the US (2026)
Five apps compared on what they cost at your team size: subscription, extra logins, and the fee on every invoice a client pays online.
Guide · US & UKHow invoice payment fees work: card, ACH, bank transfer and direct debit
When a client pays through an invoice link, you receive less than the invoice total. Here is what each payment method costs, how to estimate it per month, and the rules on surcharges and late payment.