Os 10 melhores softwares de elaboração de relatórios financeiros para pequenas empresas em 2026

Análises do melhor software de relatórios financeiros para pequenas empresas

1. 

   1

   Patriot Accounting

   Best for affordable accounting for American businesses

   • 30-day free trial + free demo available
   • From $20/month

   Visit Website

   Customer Rating:4.8/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   Patriot Accounting is an online accounting platform for small business financial management, offering general ledger, invoicing, expense tracking, bank reconciliation, and customizable financial reports.

   Who Is Patriot Accounting Best For?

   Patriot Accounting suits small business owners and bookkeepers who want a straightforward, web-based option for managing company finances in the United States.

   Why I Picked Patriot Accounting

   I picked Patriot Accounting as one of the best because I can quickly generate detailed profit and loss statements, plus balance sheets, and drill into transactions in real-time. I like working with its simple navigation, and I find customizable account charts direct and efficient.

   Patriot Accounting Key Features

   • Invoice creation: Build and send unlimited customized invoices to clients.
   • Bank transaction import: Import and match bank transactions for automatic reconciliation.
   • Expense tracking: Record, categorize, and monitor business expenses with receipt attachments.
   • 1099 contractor management: Track contractor payments and prepare electronic 1099 filings.

   Patriot Accounting Integrations

   Integrations include Stride, Bluevine, Corpnet, Posterly, Stripe, Intuit QuickBooks, ErgoNext, and more.

   Pros and Cons

   Pros:

   • Customizable chart of accounts setup
   • Direct bank transaction import and reconciliation
   • Built-in tax management for small businesses

   Cons:

   • No inventory tracking capabilities
   • Limited multi-currency support
   Learn more about Patriot Accounting:

   • Check out Patriot Accounting on their website
   • Read my in-depth review of Patriot Accounting
2. 

   2

   OneUp

   Best for automated accounting with inventory management

   • Not available
   • Pricing upon request

   Visit Website

   Customer Rating:4.8/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   OneUp is a cloud-based accounting software platform for small businesses that offers automated bookkeeping, invoicing, inventory management, bank reconciliation, and financial reporting all in one system.

   Who Is OneUp Best For?

   OneUp fits small business owners in retail and service industries who need an integrated system for accounting, invoicing, and inventory management.

   Why I Picked OneUp

   I picked OneUp as one of the best because I can automate much of my bookkeeping by matching uploaded bank transactions with invoices and expenses. I like how the software learns from edits, so future reconciliations get even faster and more accurate.

   OneUp Key Features

   • Automated tax calculation: Calculates sales tax on invoices and quotes.
   • Inventory tracking module: Monitors product stock levels in real time.
   • Custom financial report builder: Lets users create balance sheets and P&L statements.
   • Customer and vendor management: Stores contact and transaction details for all business partners.

   OneUp Integrations

   OneUp offers over 30 integrations, including Bullhorn, JobAdder, Tracker, Mercury CRM, Recruit CRM, HubSpot, Salesforce, MS Dynamics, Zoho Recruit, Microsoft Teams, Zoom, SalesLoft, and more.

   Pros and Cons

   Pros:

   • Custom financial report templates for small businesses
   • Real-time inventory value reflected on reports
   • Auto-matches transactions to invoices and expenses

   Cons:

   • Limited accrual accounting customization options
   • No payroll management built into platform
   Learn more about OneUp:

   • Check out OneUp on their website
   • Read my in-depth review of OneUp
3. 

   3

   FreeAgent

   Best user-friendly platform for small firms

   • Free plan + 30-day free trial + demo available
   • From £10/month

   Visit Website

   Customer Rating:4.4/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   FreeAgent is an accounting and financial reporting software built for small businesses, providing invoicing, expense management, banking sync, tax tracking, and custom reporting features.

   Who Is FreeAgent Best For?

   FreeAgent is purpose-built for UK-based freelancers, contractors, and small businesses who need localized accounting and tax management.

   Why I Picked FreeAgent

   I picked FreeAgent as one of the best because I can generate UK tax-ready reports instantly, automate VAT and Self Assessment through direct HMRC links, and manage invoicing and banking in a platform created for small UK businesses.

   FreeAgent Key Features

   • Project tracking: Track time and expenses linked to specific client projects.
   • Recurring invoicing: Automate the creation and sending of recurring invoices.
   • Bank feeds: Sync transactions directly from business bank accounts.
   • Expense management: Record, categorize, and track expenses with receipt uploads.

   FreeAgent Integrations

   FreeAgent offers native integrations with PayPal, Stripe, GoCardless, HMRC, Santander, NatWest, Lloyds Bank, and Barclays. An API is available for custom integrations.

   Pros and Cons

   Pros:

   • Automatic bank transaction imports
   • Direct HMRC tax and payroll submission
   • Built-in UK tax and VAT support

   Cons:

   • No built-in multi-currency invoicing
   • Limited report customization options
   Learn more about FreeAgent:

   • Check out FreeAgent on their website
   • Read my in-depth review of FreeAgent
   • Explore best alternatives to FreeAgent
4. 

   4

   ZipBooks

   Best for smart insights with automated bookkeeping

   • Free plan + free trial available
   • From $15/month

   Visit Website

   Customer Rating:4.6/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   ZipBooks is a cloud-based accounting platform for small businesses that offers invoicing, financial reporting, expense tracking, and time management in one unified solution.

   Who Is ZipBooks Best For?

   ZipBooks fits freelancers and small business owners needing basic financial reporting, invoicing, and expense tracking.

   Why I Picked ZipBooks

   I picked ZipBooks as one of the best because I can quickly produce visually clean financial statements, categorize transactions on the fly, and send unlimited professional invoices. The simple, attractive interface keeps my reports clear and presentable.

   ZipBooks Key Features

   • Bank account syncing: Link and automatically import transactions from business bank accounts.
   • Time tracking: Track billable hours and convert them to invoices.
   • Team permissions: Set custom access levels for collaborators or employees.
   • Recurring billing: Automate invoices for ongoing projects and clients.

   ZipBooks Integrations

   ZipBooks offers native integrations with Square, PayPal, and Stripe. An API is available for custom integrations.

   Pros and Cons

   Pros:

   • Expense categorization for clearer reports
   • Fast invoicing with online payment tracking
   • Financial statement templates for small businesses

   Cons:

   • Limited options for accrual accounting
   • No inventory management module
   Learn more about ZipBooks:

   • Check out ZipBooks on their website
   • Read my in-depth review of ZipBooks
5. 

   5

   Acumatica

   Best for cloud ERP with flexible financial reporting

   • Free demo available
   • From $2,185/month

   Visit Website

   Customer Rating:4.4/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   Acumatica is a cloud-based ERP platform for small businesses that delivers accounting, financial reporting, project tracking, and industry-specific modules within a unified dashboard.

   Who Is Acumatica Best For?

   Acumatica is a strong choice for small to midsize businesses in construction, manufacturing, distribution, and retail that need real-time financial visibility and flexible user licensing.

   Why I Picked Acumatica

   I picked Acumatica because I rely on its unlimited user licensing to give everyone in our finance team full access to real-time reporting. I use its customizable dashboards to track KPIs and quickly drill into transactions without extra fees for additional users.

   Acumatica Key Features

   • Automated financial consolidation: Combine multiple entities and currencies in consolidated reports.
   • Audit trail tracking: Log every transaction and change for compliance and review.
   • Role-based permissions: Control report access and financial data visibility by user role.
   • Mobile access: View reports and manage finances securely from mobile devices.

   Acumatica Integrations

   Acumatica offers native integrations with applications like Microsoft 365, Salesforce, Shopify, BigCommerce, Avalara, Adobe Acrobat Sign, Smartsheet, Procore, Docusign, HubSpot, and has an API for custom integrations.

   Pros and Cons

   Pros:

   • Consolidates data across multiple business entities
   • Real-time reporting dashboards for finance teams
   • Unlimited users without additional license fees

   Cons:

   • Some advanced modules require separate purchase
   • Initial setup can be time consuming
   Learn more about Acumatica:

   • Check out Acumatica on their website
   • Read my in-depth review of Acumatica
6. 

   6

   Kashoo

   Best for simple accounting for small business owners

   • 14-day free trial
   • From $30/month

   Visit Website

   Customer Rating:4.5/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   Kashoo is an online accounting platform designed for small businesses that need simplified invoicing, expense tracking, bank reconciliation, and customizable financial reporting.

   Who Is Kashoo Best For?

   Kashoo suits small business owners and sole proprietors who need easy, straightforward accounting with automated features.

   Why I Picked Kashoo

   I picked Kashoo as one of the best because I can automate expense import and categorization with Smart Inbox, generate standard financial reports instantly, and set up recurring invoices with a few clicks—all with minimal manual work.

   Kashoo Key Features

   • Multi-currency support: Track and manage transactions in multiple currencies for global business needs.
   • Customizable chart of accounts: Organize and tailor account structures specific to your business.
   • Project tracking: Assign income and expenses to specific projects for accurate reporting.
   • User access controls: Set permissions for team members to limit or grant access to financial data.

   Kashoo Integrations

   Integrations include payment processors Stripe and Square, as well as payroll providers PaymentEvolution (Canadian Payroll), SurePayroll, and Paychex (USA Payroll).

   Pros and Cons

   Pros:

   • Multi-currency support for international transactions
   • Offers true double-entry accounting workflow
   • Smart Inbox automatically sorts financial documents

   Cons:

   • Few built-in payroll features
   • Limited chart customization for reports
   Learn more about Kashoo:

   • Check out Kashoo on their website
   • Read my in-depth review of Kashoo
7. 

   7

   ZarMoney

   Best for customizable accounting with advanced reporting

   • 15-day free trial available
   • From $20/month

   Visit Website

   Customer Rating:4.7/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   ZarMoney is an online accounting and financial reporting system for small businesses offering invoicing, inventory management, purchase orders, customizable reports, and workflow automation features.

   Who Is ZarMoney Best For?

   ZarMoney is well suited for inventory-heavy small and midsize businesses that need detailed workflow automation and real-time inventory tracking.

   Why I Picked ZarMoney

   I picked ZarMoney as one of the best because I can automate complex workflows for purchasing, order fulfillment, and inventory control, while managing real-time stock levels across multiple locations. I rely on customizable financial reports to track product profitability.

   ZarMoney Key Features

   • Customizable invoice templates: Create and personalize invoices to match your business branding.
   • Bank synchronization: Automatically import and match bank transactions with your records.
   • Role-based user permissions: Control access so team members see only what they need.
   • Deferred revenue management: Track and manage unearned revenue automatically within your accounting workflow.

   ZarMoney Integrations

   ZarMoney offers native integrations with Stripe, PayPal, Authorize.Net, Mailchimp, and Zapier. An API is available for building custom integrations.

   Pros and Cons

   Pros:

   • Provides detailed audit trails for all entries
   • Offers automated workflow approvals for transactions
   • Supports inventory management and costing reports

   Cons:

   • Limited dashboard visualizations for financial reports
   • No native payroll processing functionality
   Learn more about ZarMoney:

   • Check out ZarMoney on their website
   • Read my in-depth review of ZarMoney
8. 

   8

   Wave

   Best for free accounting and invoicing for small businesses

   • Free plan + 30-day free trial available
   • From $19/month

   Visit Website

   Customer Rating:4.4/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   Wave is a cloud-based accounting platform for small businesses, offering invoicing, expense tracking, bank connections, and simple financial reporting.

   Who Is Wave Best For?

   Solo entrepreneurs and small businesses needing simple, cloud-based accounting and invoicing without industry-specific complexities.

   Why I Picked Wave

   I picked Wave as one of the best because it lets me handle accounting and invoicing for small businesses in one place. I like how the accounting features and invoicing tools are fully functional without extra fees, which fits the need for free accounting and invoicing for small businesses.

   Wave Key Features

   • Bank connections: Automatically sync transactions from your bank accounts for up-to-date records.
   • Receipt scanning: Upload and organize expense receipts directly using your mobile device.
   • Basic reporting: Generate income statements, balance sheets, and cash flow reports.
   • Payroll add-on: Access payroll processing as an optional paid feature for US and Canada.

   Wave Integrations

   Wave offers native integrations with Google Sheets and PayPal. An API is available for custom integrations.

   Pros and Cons

   Pros:

   • Automated transaction import from banks
   • Useful receipt scanning mobile app
   • Unlimited invoicing and expense tracking

   Cons:

   • Payroll only available in select regions
   • Limited customization for financial reports
   Learn more about Wave:

   • Check out Wave on their website
   • Read my in-depth review of Wave
9. 

   9

   AccountEdge

   Best for full-featured desktop accounting

   • 14-day + 30-day free trials available
   • From $20/month

   Visit Website

   Customer Rating:4.2/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

   

   AccountEdge is a desktop-based accounting software for small businesses that provides double-entry bookkeeping, custom financial reporting, payroll management, inventory tracking, and sales invoicing.

   Who Is AccountEdge Best For?

   AccountEdge is ideal for small business owners or accountants who want a locally installed accounting system with customizable reporting and payroll features.

   Why I Picked AccountEdge

   I picked AccountEdge as one of the best because I can manage accounting tasks right on my desktop and use its customizable general ledger to build detailed financial statements. I also like generating payroll summaries, tax reports, and profit analysis without relying on cloud access.

   AccountEdge Key Features

   • Inventory management: Track item quantities, SKU details, and cost histories.
   • Customer and vendor management: Store contact data and monitor transaction histories.
   • Sales and purchase order processing: Create and manage orders from quoting to fulfillment.
   • Bank reconciliation: Match transactions and reconcile statements directly from your accounts.

   AccountEdge Integrations

   Integrations include Shopify, Stripe, PayPal, Avalara, and Zapier. An API is available for custom integrations.

   Pros and Cons

   Pros:

   • Supports custom recurring financial reports
   • Payroll processing for US and Canadian businesses
   • Full desktop access without cloud dependency

   Cons:

   • Cloud sync requires a separate subscription
   • Mac and Windows versions sold separately
   Learn more about AccountEdge:

   • Check out AccountEdge on their website
   • Read my in-depth review of AccountEdge
10. 

    10

    Multiview ERP

    Best for growing nonprofits and multi-department organizations

    • Free demo available
    • Pricing upon request

    Visit Website

    Customer Rating:4.3/5This rating combines scores from multiple user review sites to reflect overall customer sentiment about the product.

    

    Multiview ERP is a financial reporting and management solution that brings together general ledger, accounts payable, accounts receivable, purchasing, budgeting, and analytics in a single unified system.

    Who Is Multiview ERP Best For?

    While it's more comprehensive than many accounting platforms designed for small businesses, it can be a good fit for growing nonprofits, healthcare organizations, and multi-location businesses that need detailed financial reporting, departmental visibility, and consolidated financial management.

    Why I Picked Multiview ERP

    I included Multiview ERP because it combines financial reporting with core accounting operations, making it easier to generate financial statements, monitor budgets, and analyze performance without exporting data into separate reporting tools. It's particularly well suited to organizations that need department-level reporting or consolidated financials as they scale.

    Multiview ERP Key Features

    • Accounts payable automation: Create, process, and track AP invoices and payments from one dashboard.
    • Budgeting and forecasting tools: Build, adjust, and maintain operational budgets within the platform.
    • Fixed asset management: Track asset acquisition, depreciation, and disposals across entities.
    • Workflow approvals: Set customizable approval workflows for expenses, purchases, and financial documents.

    Multiview ERP Integrations

    Native integrations are not clearly documented. The tool supports integrations via API for custom connections.

    Pros and Cons

    Pros:

    • Audit log tracks user activity in detail
    • Handles multi-entity and intercompany accounting
    • Drill-down capabilities in reports and dashboards

    Cons:

    • Implementation can take longer than lightweight accounting software
    • More comprehensive than many small businesses require
    Learn more about Multiview ERP:

    • Check out Multiview ERP on their website
    • Read my in-depth review of Multiview ERP