23 Best Accounting Software for Small Businesses & More in 2025 (Expert Reviewed)

FreshBooks is a cloud-based accounting software platform for freelancers and small service-based businesses. It supports several features service businesses need (proposals, estimates, time tracking) and sells some functions as add-ons.

Why I picked FreshBooks: FreshBooks is a top choice for small service businesses, like freelancers or digital marketing agencies, thanks to its billing and invoicing emphasis. Not to mention its affordability and other features like client management and time tracking. Additionally, FreshBooks’s bookkeeping side is easy enough to learn on your own—perfect for small service businesses that may not have an accountant.

However, for most small business and agency owners, FreshBooks' integration with Stripe is one of its biggest selling points. This connection makes creating and sending invoices and proposals fast and simple, from both desktop and mobile devices. Not only do payments process with minimal errors, it also helps you track overdue invoices through automated reminders and late fees, reducing the overall manual effort associated with followups.

Standout features & integrations:

Features include invoicing that lets you customize and track your billing, expense tracking to keep all your receipts and spending in one place, and time tracking to help you bill clients accurately. You can also use project management tools to collaborate with your team or clients directly within the platform. Plus, its reporting options give you a clear view of your finances with easy-to-read summaries and details.

Integrations include Shopify, Stripe, Gusto, HubSpot, Square, Trello, Zoom, Asana, Google Drive, and PayPal.

Puzzle.io is an accounting software designed specifically for startups and small businesses. It offers a suite of features that simplify bookkeeping and enhance financial decision-making.

Why I picked Puzzle.io: I picked Puzzle.io because it provides automated bookkeeping with high accuracy, saving you time and reducing errors in your financial records. The platform also gives you real-time cash flow insights, allowing for informed decisions based on up-to-date financial data. Additionally, Puzzle.io supports both cash and accrual accounting methods, making it versatile for different business needs.

Standout features & integrations:

Features include customizable automation, which lets you tailor the software to fit your specific accounting policies. The continuous accuracy checks through AI ensure that your financial statements are always reliable, giving you peace of mind. Plus, with features like variance analysis, you can quickly identify any unexpected expenses that might impact your budget.

Integrations include Stripe, Brex, Ramp, Rippling, and Gusto.

Ramp is a finance automation platform that offers corporate cards, expense management, bill payments, and accounting automation to help businesses manage their finances more efficiently.

Why I picked Ramp: Ramp's accounting automation features are designed to save your team time and reduce errors. By collecting, coding, and categorizing receipts automatically, Ramp ensures that each transaction is accurately documented, helping you close your books faster. Additionally, Ramp's AI-driven system provides intelligent transaction suggestions based on historical data, simplifying the categorization process and enhancing accuracy. 

Standout features & integrations:

Features include automated approval workflows that allow you to set up custom rules for expense approvals, ensuring compliance with company policies without manual intervention. Real-time spend tracking provides immediate visibility into expenses, enabling proactive financial management. Customizable reporting tools let you generate detailed financial reports tailored to your business needs, offering deeper insights into spending patterns. ​

Integrations include NetSuite, Sage, Xero, QuickBooks, Microsoft Dynamics Business Central, Acumatica, Uber, Lyft, Okta, Google, Rippling, and Gmail.

Joiin is a financial consolidation and reporting tool designed for businesses and accounting professionals. It helps simplify financial reporting by managing and consolidating data across multiple entities.

Why I Picked Joiin: I picked Joiin for its multi-entity consolidation, which makes it easy to manage and view financial data across complex business structures. It also offers real-time dashboards for up-to-date performance tracking on the go. Another standout is its AI-powered insights, helping you spot trends, opportunities, and risks. With budget vs. forecast tools included, Joiin streamlines planning and reporting in one reliable platform.

Standout features & integrations:

Features include advanced consolidation capabilities that allow for chart of accounts mapping and intercompany eliminations, ensuring accurate financial reporting. The software offers multi-currency reporting, essential for businesses operating in multiple countries and dealing with foreign transactions. Additionally, Joiin provides mobile access to reports, enabling you to view and manage financial data from anywhere, ensuring you stay connected and informed.

Integrations include Xero, QuickBooks Online, Sage, Pennylane, Puzzle, and Spreadsheets.

QuickBooks is an accounting software platform for smaller businesses across nearly every industry. This platform supports most core bookkeeping and accounting functions, while users can purchase other functions, such as payroll, as add-ons.

Why I Picked QuickBooks: QuickBooks strikes the right balance between ease of use and depth of functionality. The platform is simple enough to set up without professional help, yet powerful enough to manage essential accounting tasks like invoicing, expense tracking, payroll, and tax preparation.

What really stands out is how intuitive the platform feels compared to many other accounting tools. The workflows are straightforward, which means less time spent figuring out the system and more time focusing on the actual financial tasks that matter. That ease of use also carries through daily bookkeeping, making it easier to stay organized without getting bogged down in complexity. 

Standout features & integrations:

Features include the ability to manage your finances with tools that let you track income and expenses, automate tasks like invoicing and payments, and generate insightful financial reports. You can also benefit from the user-friendly dashboard that offers a clear view of your business's financial health at a glance. Additionally, QuickBooks provides mobile access, so you can stay connected to your finances wherever you are.

Integrations include PayPal, Shopify, Square, TSheets, HubSpot, Expensify, Stripe, Mailchimp, Bill.com, and Salesforce.

Fulfil is an AI-native ERP and accounting platform built for eCommerce and wholesale businesses. It connects financial management, order processing, inventory, and warehouse operations into a single source of truth, helping you maintain accurate records and real-time visibility across your entire business. As accounting software, Fulfil supports transaction-level precision and provides comprehensive reporting for informed financial decision-making.

Why I picked Fulfil: I picked Fulfil because it offers true transaction-level accounting, giving you the ability to drill into every order and expense for unmatched financial clarity. This depth of insight helps you make faster, more accurate business decisions without needing to reconcile data across multiple systems.

I also like that its AI-powered automation can generate reports or optimize order workflows using natural language prompts, freeing your finance team from repetitive manual tasks. Plus, its real-time financial visibility means you always have current numbers to guide your next move.

Standout features & integrations:

Features include automated financial management tools that track every transaction in real time, warehouse and inventory management that prevents overselling, and AI-driven reporting that helps you analyze performance faster. These capabilities work together to give you a connected operational and accounting system that scales with your business.

Integrations include Amazon Shipping, USPS, DHL, FedEx, UPS, AfterPay, Authorize.net, Avalara, PayPal, Stripe, Amazon, Shopify, and TikTok Shop.

Xero is a cloud-based accounting software designed for small businesses. It's popular for its user-friendly interface and scalability, catering to self-employed individuals and growing enterprises.

Why I picked Xero: Xero's small business accounting software scales seamlessly with increasing financial complexities, offering a cloud-based infrastructure that adapts to dynamic operational needs. Its intuitive interface and automation streamline financial management, enabling businesses to focus on growth without being bogged down by manual processes.

With its API and app marketplace, you're able to connect directly to several platforms and automate invoice generation, cutting a two-day billing cycle down to just ten minutes. Although its reporting and user management aren’t as advanced as a full ERP, Xero provides the scalability, compliance, and governance small businesses need to stay efficient, reduce accountant reliance, and be investment-ready.

Standout features & integrations:

Features include online invoicing that helps you manage and automate invoicing tasks from any device. Your team can also access data from over 21,000 banks, facilitating easier bank reconciliation processes. Additionally, expense management is simplified, offering a way to handle claims and reimbursements efficiently.

Integrations include HubSpot, Shopify, Squarespace, Mailchimp, PayPal, Stripe, Gusto, Microsoft 365, Google Workspace, and Square.

Zoho Books is a strong accounting software designed to cater to small and medium-sized enterprises by providing a comprehensive suite of financial management tools. This cloud-based platform facilitates diverse functions such as invoicing, expense tracking, inventory management, and customizable financial reporting.

Why I picked Zoho Books: Zoho Books simplifies the entire invoicing and billing process, allowing you to manage everything from creation to payment in one place. It’s designed to handle various billing needs, making it easy to tailor invoices and manage recurring payments efficiently. This ensures you can focus on your business without worrying about tracking payments or following up manually.

Standout features & integrations:

Features include expense tracking to help you categorize and monitor your business spending. You can also automate recurring invoices and payment reminders to save time and keep cash flow steady. Plus, the client portal makes it easy for your customers to view and pay their invoices directly.

Integrations include Zoho CRM, Zoho Projects, Zoho Inventory, Stripe, PayPal, Square, Slack, G Suite, Office 365, and Shopify.

BlackLine is a cloud-based accounting and financial automation platform streamlining the entire financial close process. This platform can automate accounts receivable and financial closing and supports intercompany accounting management.

Why I picked BlackLine: BlackLine is not an advanced piece of accounting software—it aims to streamline and modernize the financial close, one of accounting’s largest tasks for mid-sized to larger businesses. As such, BlackLine can complement your general ledger accounting software and take a lot of weight off your accounting and finance teams. Overall, it's definitely a worthwhile feature for companies that are already using SAP because BlackLine’s SAP integration unlocks BlackLine’s prized Smart Close feature.

Standout features & integrations:

Features include account reconciliation to help you match transactions and keep your books accurate. You can also use task management to track your financial close processes and assign responsibilities to your team. Additionally, the journal entry automation saves you time by eliminating manual data entry and reducing errors.

Integrations include SAP, Workday, NetSuite, Sage, QuickBooks, Xero, Microsoft Dynamics, Coupa, and Adaptive Insights.

ZarMoney is an all-in-one accounting software designed to help businesses efficiently manage finances, inventory, and invoicing. It’s built for organizations that need flexibility, visibility, and control across multiple locations, with robust reporting tools to guide smarter decision-making.

Why I picked ZarMoney: I chose ZarMoney for its standout inventory management and highly customizable reporting capabilities. The platform enables real-time inventory tracking across multiple sites—ideal for businesses handling high product volumes—and helps prevent stock shortages. Its invoicing system lets you create professional, branded invoices, complete with a “Pay Now” option that accelerates client payments and boosts cash flow. With over 40 built-in reports and more than 1,000 customization options, ZarMoney delivers granular insights into every corner of your business performance.

Standout features & integrations:

Features include automated sales tax calculation and reporting across multiple locations for effortless compliance, streamlined bank reconciliation that improves cash accuracy, and secure user management with role-based access controls to safeguard sensitive financial data. These capabilities combine to make ZarMoney both powerful and adaptable for growing businesses.

Integrations include Stripe, PayPal, Authorize.Net, HubSpot, Gusto, Microsoft Excel, Google Sheets, Slack, Zoho Inventory, Microsoft Teams, Zendesk, and Jira.

InvoiceBerry is an online invoicing platform built for small businesses and freelancers who want to streamline billing and expense tracking. With its user-friendly interface and automation tools, it simplifies invoicing, payments, and client management—all in one easy-to-use dashboard.

Why I picked InvoiceBerry: I chose InvoiceBerry for its speed and simplicity in creating professional invoices. Using customizable templates, you can generate invoices in under a minute—ideal for entrepreneurs who want to spend less time on admin and more on growth. The platform also includes expense tracking to monitor business spending, and client management tools to keep payment histories and contact information organized. Additionally, its online payment integrations with Stripe, PayPal, Square, and WePay make it easy for clients to pay directly from their invoices, improving cash flow and convenience.

Standout features & integrations:

Features include recurring invoices for regular clients, automated email invoicing for faster delivery, and payment reminders to reduce late or missed payments. These capabilities make InvoiceBerry an efficient tool for maintaining steady cash flow and fostering professional client relationships.

Integrations include Slack, Trello, ActiveCampaign, DataValidation, Hyperise, Autoklose, Ninja Forms, Klaviyo, Stripe, Square, PayPal, and WePay.

Xledger provides a strong cloud-based solution primarily designed for businesses looking to streamline their financial management processes. This platform is tailored for organizations that require powerful automation, real-time data access, and scalability to adapt to growing and changing business needs.

Why I picked Xledger: As accounting software, Xledger excels in delivering extensive automation for financial operations, reducing the need for manual entry and minimizing errors. It supports complex financial management requirements with features like multi-entity consolidation, real-time reporting, and advanced budgeting tools. The software is particularly noted for its strong compliance features and the ability to handle various currencies and tax regulations, making it suitable for global businesses.

Standout features & integrations:

Features include simplified recurring billing that automates repetitive invoicing tasks, saving you time and minimizing errors. You can choose flexible delivery options, sending invoices via email as PDFs or through traditional mail. For multi-entity corporations, Xledger automatically generates accounts payable entries for invoicing between entities, ensuring accuracy and efficiency.

Integrations include Salesforce, Microsoft Dynamics CRM, GoldFinch, JPMorgan Chase, Wells Fargo, Bank of America, and other major banks.

Kashoo is a cloud-based accounting software designed specifically for small business owners. It offers a range of features that simplify financial management, including invoicing, expense tracking, and automated bookkeeping. 

Why I picked Kashoo: One of the key advantages of Kashoo is its automated bookkeeping functionality. This feature reduces the manual effort required to manage financial records, allowing you to import bank feeds, categorize transactions, and reconcile accounts in one place. The software also supports over 5,000 banks worldwide, making it highly adaptable for various business banking needs.

Standout features & integrations:

Features include an intuitive user interface that makes managing your finances straightforward. You can also easily track expenses and income, providing an advanced view of your financial health. In addition, Kashoo offers automated bank reconciliation, helping you save time and reduce errors when matching your transactions with your bank statements.

Integrations include Square, Stripe, PaymentEvolution, SurePayroll, FreshBooks, QuickBooks, Xero, Paychex, and Wave.

Neat is a smart document management platform designed to help businesses and professionals go paperless while maintaining full financial oversight. By transforming receipts, invoices, and other paperwork into searchable, digital records, Neat simplifies bookkeeping and tax preparation for finance teams and small business owners alike.

Why I picked Neat: I chose Neat for its advanced OCR (optical character recognition) technology that extracts key data from scanned documents automatically—eliminating manual entry and reducing errors. It also provides real-time insights into income and expenses, helping users maintain a clear view of their financial health. Security is another strong point: Neat uses bank-level encryption to protect sensitive data, ensuring your financial records remain safe and compliant. With mobile uploads and scanner compatibility, it’s easy to keep your digital filing cabinet organized and up to date from anywhere.

Standout features & integrations:

Features include automatic document categorization that simplifies tax preparation, tax-ready reporting to streamline filing, and cloud-based access so you can view and manage your financial data on the go. Neat turns what used to be hours of paperwork into quick, searchable digital workflows.

Integrations include QuickBooks Online, Campaign Monitor, Constant Contact, Google Contacts, MailChimp, Outlook.com, Quicken, TurboTax, H&R Block, Xero, FreshBooks, and Wave.

AccountEdge is a robust desktop accounting software built for small businesses that want full control over their financial management. Available for both Mac and Windows, it combines invoicing, payroll, and expense tracking in one comprehensive platform—ideal for business owners who prefer locally hosted accounting solutions.

Why I picked AccountEdge: I chose AccountEdge for its powerful mix of invoicing, expense management, and payroll tools. It allows you to create and send professional invoices, track expenses seamlessly, and handle employee payments within the same system—helping maintain steady cash flow and reduce the need for third-party payroll services. Its inventory management and multi-company file support also make it a strong fit for small businesses managing multiple entities or product lines.

Standout features & integrations:

Features include time billing for accurate tracking and invoicing of billable hours, contact management for maintaining strong client and supplier relationships, and robust data management tools for organizing financial information efficiently. These capabilities help small business owners stay organized and make informed financial decisions without complexity.

Integrations include Payroll Forms Service, Dropbox, UPS, Power BI, Zapier, Square, AccountEdge Connect, TimeSolv, SurePayroll, Ramp, CSG Forte, and Bank Feeds — enhancing workflow automation, reporting, and data syncing across your business operations.

Heard is accounting software built specifically for therapists and wellness practitioners. It combines bookkeeping, payroll, and tax services to simplify financial management for private practices. With guided setup and expert support, it helps you stay compliant and organized throughout the year.

Why I picked Heard: I picked Heard because it’s one of the only accounting platforms made for therapy practices. It offers personalized tax estimates and filing support for both state and federal returns, plus payroll tools that automatically handle tax withholdings. Heard also assists with S Corporation election and compliance, which can help you save on taxes as your practice grows. For solo and group practitioners, this specialization makes it far easier to keep finances in order without hiring a full-time accountant.

Standout features & integrations:

Features include monthly bookkeeping with categorized transactions, payroll management, S Corp compliance assistance, and personalized tax filing with automated reminders. You’ll also get financial reports each month to guide your decisions and access to educational resources designed for private practice owners.

Integrations include QuickBooks.

ZipBooks offers a free version specifically for nonprofits with unlimited bookkeeping, invoicing, and donor management features.

Why I picked ZipBooks: ZipBooks provides tools tailored to managing donations and tracking expenses in a straightforward way. Its user-friendly design helps nonprofits stay organized while focusing on their mission rather than administrative tasks. This makes it easier to manage finances and demonstrate accountability to donors and stakeholders.

Standout features & integrations:

Features include smart categorization that helps you organize your expenses without much effort. You can track your time and link it directly to your projects for accurate billing. Plus, the built-in reporting tools let you quickly see how your business is doing and where you can improve.

Integrations include PayPal, Stripe, Square, Gusto, Slack, Google Drive, Google Sheets, QuickBooks, Zapier, and Shopify.

Wave is an accounting software designed for small businesses, freelancers, and entrepreneurs. It offers essential tools to manage finances, making it a budget-friendly choice for those seeking simple yet effective accounting solutions.

Why I picked Wave: Wave offers a simple, cost-effective way to manage finances without overwhelming you with unnecessary complexity. It’s tailored to meet the needs of individuals running solo businesses, making it easy to handle invoicing, expenses, and payments in one place. This allows freelancers to stay focused on their work while maintaining clear financial organization.

Standout features & integrations:

Features include double-entry accounting, which simplifies tracking your business finances by automatically balancing debits and credits. You can also send customizable invoices to fit your brand, and automated payment reminders ensure timely payments from your clients. Additionally, Wave allows you to connect multiple bank accounts and credit cards, automating the capture of bills and expenses.

Integrations include PayPal, Etsy, Shoeboxed, BlueCamroo, HubSpot, Zapier, Mailchimp, Google Sheets, Slack, and QuickBooks.

Sage Intacct is a versatile project accounting tool beneficial for a wide range of industries and business sizes, particularly those with project-centric operations. It's highly useful for mid-sized to large enterprises in sectors such as construction, consulting, engineering, software development, hospitality, healthcare, and real estate development. 

Why I picked Sage Intacct: Sage Intacct provides real-time financial insights through customizable reports and dashboards, which can be tailored to the specific needs of a business. This level of customization and real-time data availability aids in more informed decision-making and strategic planning. Additionally, Sage Intacct supports multi-entity and multi-currency management, making it ideal for businesses with complex financial structures and international operations.

Standout features & integrations:

Features include intelligent general ledgers to simplify your accounting processes by automating entries and providing real-time insights. Additionally, its advanced dashboards and reporting tools offer over 150 pre-built reports, allowing your team to customize and analyze data effectively.

Integrations include Salesforce, ADP, Bill.com, Avalara, Expensify, Stripe, Square, Shopify, Nexonia, and MineralTree.