Top 18 Accounting & Finance Software

ITQlick rating ITQlick Rating is based on the software score (below) and aggregated online reviews
ITQlick score ITQlick Score is a 1 to 100 score, based on pricing, and functionality Vs. alternative solutions
Pricing score pricing Score is a 1 to 10 score, based on the TCO (cost of licences, customizations, training, hardware when relevant) Vs. alternative solutions
License pricing license pricing (if provided by the software vendor)
Functionality score
Software review
ITQlick rating
License pricing
$12.50 per month
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Pricing not available
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License pricing
$10 per organizer/month
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$6 per month
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License pricing
$49.99 per year

TOP 18 Accounting & Finance Software

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1. QuickBooks Online Plus

  • Best for: Start up, Small business, Medium business, Large business
  • Price: starts at $12.50 per month
  • Mar 07, 2022
Compare QuickBooks Online Plus Vs. QuickBooks Online Plus

QuickBooks Online is a web based accounting management solution for small and medium businesses. Its capabilities include expense tracking, automatic data backup, invoice creation, and others. The software was designed and launched by Intuit Inc headquartered in California, United States.

2. Wave Accounting

  • Best for: Small businesses and start ups
  • Price:
  • Apr 14, 2022
Compare Wave Accounting Vs. QuickBooks Online Plus

Wave Accounting software is a fully integrated, web-based accounting solution tailored exclusively for small organizations. The software allows the users to access their documents any time from anywhere.

3. Zoho Books

  • Best for: Small businesses and start ups
  • Price: starts at $10 per organizer/month
  • Mar 08, 2022
Compare Zoho Books Vs. QuickBooks Online Plus

Zoho Books is an online accounting software designed to provide businesses with better control and management of their money flow. It is a tool that helps you record, monitor and reconcile transactions and bank statements as you collaborate with your accountant, even if both of you are not in the sa...

4. FreshBooks

  • Best for: SMBs
  • Price: starts at $6 per month
  • Mar 09, 2022
Compare FreshBooks Vs. QuickBooks Online Plus

FreshBooks is built for small business owners to get organized and get paid. You'll spend less time billing, and more time getting down to business.FreshBooks is simple and intuitive, so accounting isn't intimidating.FreshBooks updates are automatic and never noticed. No hassles or headaches.Gettin...

5. Vyapar

  • Best for: Small businesses and start ups
  • Price: starts at $49.99 per year
  • Mar 09, 2022
Compare Vyapar Vs. QuickBooks Online Plus

Vyapar is a mobile/desktop based accounting software that allows business owners to oversee the financial performance of their establishment, as well as managing the security of their business accounts data against loss.

6. Adaptive Insights

  • Best for: Small, medium and large size businesses
  • Price: starts at $15,000 per license
  • Mar 09, 2022
Compare Adaptive Insights Vs. QuickBooks Online Plus

Adaptive Insights software is a cloud-based, SaaS, Business planning solution that offers tools for forecasting, budgeting, and reporting. The software removes the need for new software or hardware for installation as it is offered through the Web as a Software-as-a-Service solution.

7. Xero

  • Best for: Small businesses and start ups
  • Price: starts at $12 per month
  • Mar 09, 2022
Compare Xero Vs. QuickBooks Online Plus

Xero is a cloud-based accounting and finance software for small, start-up, and growing enterprises. It has invoice management, purchasing, bank reconciliation, and bookkeeping features which help businesses boost their cash flow.

8. TurboTax State

  • Best for: Start up, Small business, Medium business, Large business
  • Price: starts at $60 per license
  • Mar 09, 2022
Compare TurboTax State Vs. QuickBooks Online Plus

TurboTax is a cloud-based corporate tax solution designed to help the user receive their maximum tax refunds for State and Federal tax returns, and that targets small and medium-sized businesses.

9. Multiview

  • Best for: Small, medium and large size businesses
  • Price: starts at $150 per user/year
  • Mar 11, 2022
Compare Multiview Vs. QuickBooks Online Plus

Multiview Financial Software is a cloud-based modular financial management system that incorporates accounts payable, accounts receivable, purchase order management, a general ledger, inventory management, business intelligence, order management, document management, and more.

10. Denali Business

  • Best for: Small businesses and start ups
  • Price: starts at $1,999 per license
  • Mar 10, 2022
Compare Denali Business Vs. QuickBooks Online Plus

Everything you expect from a leading business accounting solution, plus the tools to manage cash flow, monitor profitability, analyze trends, track inventory, and Denali Business by Cougar Mountain Software is a modular accounting solution which provides customers with reliable and accurate financia...

11. Neubrain

  • Best for: Medium and large size businesses
  • Price: starts at $10,000 per license
  • Mar 11, 2022
Compare Neubrain Vs. QuickBooks Online Plus

Neubrain is cloud-based budgeting and performance management solution which is designed for large and midsize enterprises as well as the government institutions. The primary features includes budgeting, financial consolidations forecast planning, and performance management among others.

12. MultiCHAX

  • Best for: Start up, Small business, Medium business, Large business
  • Price: starts at $99 per license
  • Mar 12, 2022
Compare MultiCHAX Vs. QuickBooks Online Plus

MultiCHAX is a check printing solution for small and medium businesses. It manages printing of payables and payroll checks along with MICR coding. The software was developed and launched by CHAX Inc headquartered in California, United States.

13. Adminsoft Accounts

  • Best for: SMBs
  • Price: starts at $259 per license
  • Mar 12, 2022
Compare Adminsoft Accounts Vs. QuickBooks Online Plus

Adminsoft Accounts software is a free accounting solution designed for small to mid-level businesses and can also be deployed as an on-premise solution. The software incorporates numerous features and functionalities including purchase ledger, sales ledger, Bank Reconciliation, Billing & Invoicing, ...

14. Intuit GoPayment

  • Best for: SMBs
  • Price: starts at $12.50 per user/month
  • Mar 12, 2022
Compare Intuit GoPayment Vs. QuickBooks Online Plus

Intuit GoPayment is a cloud-based, mobile payment gateway modeled to handle the payment needs of small businesses to midsize organizations. It is payment management that allow vendors to process various credit card transactions using a mobile application.

15. Crestel

  • Best for: Small, medium and large size businesses
  • Price:
  • Nov 03, 2021
Compare Crestel Vs. QuickBooks Online Plus

Crestel Products of Elitecore is an on-premise and cloud-based Billing and Provisioning Software that allows video and voice services over multiple networks to manage, as well as benefit from application, communication and media services.

16. MoneyDesktop

  • Best for: SMBs
  • Price:
  • Mar 12, 2022
Compare MoneyDesktop Vs. QuickBooks Online Plus

MoneyDesktop is a cloud-based financial management software. Money desktop offers personal financial management tools directly from online banking. This software makes money management easier as a user can aggregate and track their finances across all the relevant financial institutions.


  • Best for: Small, medium and large size businesses
  • Price:
  • Mar 12, 2022
Compare CHEMATIX Vs. QuickBooks Online Plus

CHEMATIX software is an all-in-one, cloud-based chemical management solution specifically tailored to handle the requirements & responsibilities of researchers, scientists, regulatory officials and more.

18. GainsKeeper

  • Best for: Small, medium and large size businesses
  • Price: starts at $69 per month
  • Mar 12, 2022
Compare GainsKeeper Vs. QuickBooks Online Plus

GainsKeeper is a tax management and financial services software solution for personal and business use. The software was designed and launched by Wolters Kluwer N.V., headquartered in Netherlands. It provides investors with various useful trade decision tools to maximize the after-tax returns. 

A Buyer's Guide to Accounting & Finance Solutions

Accounting & Finance Software Buyer’s Guide
Whether you’re in a small business or a corporation, accounting and financial systems are essential backbones of your operation. Income statement, balance sheets, and tax declarations all rooted from one important department – the Accounting. The intensifying campaign of public and private authorities against financial frauds is a loud call for all businesses to strengthen their accounting measures.
In compliance to Generally Accepted Accounting Principles (GAAP), the purpose of accounting software is to consolidate accounting processes into a single information system. It is a financial management solution that caters a variety of financial programs for any industry and size of organization. Whether you will be getting it for free or on a premium-based subscription, you need to be cautious when getting your accounting software. So here’s the Buyer’s Guide from that will give you more insights about accounting solutions.
There are two important factors to consider when deciding on which accounting solution is to acquire. First is the type of market where you operate and second is the type of application that you need. It is highly recommend that you start with identifying the market base on the size of your business and then proceed with pointing out what applications are really needed by your business.
By Market Level
Personal Accounting
It is simple and basic, good enough to manage your accounts payable, receivable and budget. It’s for a start-up home-based business.
Low-end Market
Types of software on this market have general accounting functions – general ledger, bookkeeping, etc. However, since they are low-end systems, they may not be GAAP compliant and their security features are very adequate.
If you’re looking for industry-standard accounting system, it’s on the mid-market category. Other than general accounting functions, this type of software can be purchased bundled with other management information systems.
High-end Market or Tier 1
Highly customizable, complex and expensive are what describes accounting software under this market. Usually part of a more sophisticated Enterprise Resource Planning (ERP) system, high-end accounting solutions also require high level of implementation.
Vertical Market
If you’re a niche market (banking, construction, real estate, etc.) player, then an industry-specific accounting software is for you. Software under this market are generally custom-built.
Hybrid Solutions
Both features of the mid-market and high-level market solutions are on this accounting solution. It has the features of the technology like SaaS and of ERP systems that have advance customization and extreme scalability.
By Application Type
In software development, different business transactions will have their equivalent software modules. Accounting solutions follow this practice by segmenting an accounting system into different modules or sub-systems base on their application. Here are the available accounting solutions in the market today.
  • Core Accounting
  • Project Accounting
  • Fund Accounting
  • Inventory Management
  • Billing and Invoicing
  • Budgeting and Forecasting
  • Fixed Asset Accounting
  • Fixed Asset Management
Whether you’re looking for a basic system, an enterprise solution, or industry-specific, best-of-breed solution, concrete knowledge and understanding of the market and of the different software applications available are keys to your smooth, well-executed software purchase.
When it comes to features, your accountants and CFO can greatly help in figuring out if a solution has all the functions and characteristics needed by your business. Invite them into your kick-off meetings and find out if these features are available in your prospect solution.
Accounting and Business Features
It doesn’t necessary to be an all-in-one package. But the basic accounting tools plus the non-core accounting modules that are important in your everyday business operation such as purchase requisition, timesheet, and payroll must also be available in the system, if not all.
Time-Saving Features
When talked about convenience, an accounting system must not be difficult to use. Features like automated billing, customer’s online access to their accounts, and wide options in reporting must be available. Automation and time-saving always coincides.
Remote Access and Mobility
Check if the accounting software has mobile versions and ensure that these versions are compatible with the type of phones your employees are using – iPad, Android phones, Windows-based. Remote support offered by the Virtual Network Computing (VNC) technology is a feature that you should also consider.
Add-ons Business Services
Credit and debit card processing, e-commerce website integration, and payroll processing are just some of the additional features present on much modern accounting software.
Solutions per Market, per Vendor
Excellent sources of information for accounting solutions are websites, like, that publish reliable reviews, rankings, and benchmarking. Expensive software doesn’t mean that it’s the right software for your business. Inexpensive and even free solutions cannot guarantee you a fool-proof accounting system but they could be the right solution. Review this benchmark prepared by experts for more information.
Vendor Accounting and Business Time-saving Remote Access and Mobility Add-on Services
 FreshBooks 10 9.38 10 7.5
 QuickBooks 8.75 10 9.38 8.75
 SageOne 10 8.75 6.25 8.75
 Zoho 10 8.75 8.75 6.25
 Xero 10 6.25 8.75 8.75
 AccountEdge 8.75 9.38 5 7.5
 Less Accounting 8.75 8.75 6.25 5
 WorkingPoint 8.75 7.5 8.75 3.75
 FreeAgent 8.75 7.5 6.25 5
 Yendo 7.5 7.5 6.25 5
Above vendors are offering cloud-based solutions and are between the low-end to mid-market level. On the other hand, top players (and their product) in the mid-market are Sage ERP 300, Microsoft Dynamics NAV, SAP BusinessOne, Epicor 9, and Macola ES. High-level market (or Tier 1) leaders are Infor, JD Edwards, Lawson, Oracle, People Soft, and SAP.
Pricing Considerations
From the list of vendors in our benchmark sheet, both Zoho and FreeAgent have $24 per month per unlimited number of users’ subscription price. The average subscription price for these ten vendors is $17. With this average, a company with 25 users will spend around $5,000 a year. Still not accounted are the costs of implementation, customization, training, and support services. A client will roughly spend 50-200% of the price of software in implementation and consulting services. These are the variables to consider in the Total Cost of Ownership (TCO). Accounting solutions sold as part of a more complex ERP system will have a TCO from about $100K up to a whooping $50M.
Market Trends
The cloud technology is a hot trend in accounting software. Among of the reasons on why businesses choose to operate in the cloud today is because of lower upfront costs and faster time of implementation. Most accounting software today has comprehensive functionality. It is not just one or two modules but multiple modules on a single package.
Business intelligence tools with accounting software are on their way to development. This is about integrating system over system to maximize the efficiency of single but more powerful software.

ITQlick chart - 2021 best Accounting & Finance Software

2021 best Accounting & Finance Software |
Finding the right Accounting & Finance software for your business
Proper Accounting & Finance software selections are the precursor to successful deployment and business growth. Finding the right Accounting & Finance solutions doesnít have to be complicated, and it doesnít have to take days or weeks of your time.

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Shlomi Lavi

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Shlomi holds a Bachelor of Science (B.Sc.) in Information System Engineering from Ben Gurion University in Israel. Shlomi brings 15 years of global IT and IS management experience as a consultant, and implementation expert for small, medium and large size (global) companies.