The 8 Best Small-Business Accounting Apps of 2022

To rank the best small-business apps for bookkeeping, we considered features, functionality, user-friendliness, accessibility, and user ratings.

Best overall
Quickbooks
QuickBooks Online
3.9 out of 5 stars
3.9
Starting from
$15.00/mo.*
  • pro
    Freelance-friendly tax features
  • pro
    User-friendly app
  • pro
    50% off for 3 mos.*
Best invoicing
Fresh Books
FreshBooks
4 out of 5 stars
4.0
Starting from
$7.50/mo.**
  • pro
    Thorough mobile invoicing
  • pro
    Easy client communication
  • pro
    50% off for 6 mos.**
Best for freelancers
Xero
Xero
4.2 out of 5 stars
4.2
Starting from
$12.00/mo.
  • pro
    Free unlimited users
  • pro
    Syncs with 1,000+ business apps
  • pro
    30-day free trial
Best features
Zoho
Zoho Books
3.9 out of 5 stars
3.9
Starting from
$0.00/mo.†
  • pro
    Zoho Invoice integration
  • pro
    Income and expense tracking
  • pro
    Free plan for some businesses
Best customer service
Sage
Sage Business Cloud Accounting
3.6 out of 5 stars
3.6
Starting from
$10.00/mo.
  • pro
    Cash flow tracking
  • pro
    Overdue payment reminders
  • pro
    30-day free trial

Data as of 9/22/22. Offers and availability may vary by location and are subject to change.
*50% off for three months or 30-day free trial
**50% off for 6 mos. or 30-day free trial
†Only available for businesses with an annual revenue beneath $50K USD

We are committed to sharing unbiased reviews. Some of the links on our site are from our partners who compensate us. Read our editorial guidelines and advertising disclosure.

The bottom line: QuickBooks Online is our favorite accounting software app for small businesses. Its user-friendly app has high ratings from both iOS and Android users. The app also does everything Intuit QuickBooks’ online interface can do and more, like mileage tracking and receipt scanning.

If you dislike QuickBooks' high starting price, though, you have more options. FreshBooks is the best app for freelancers who want to send professional invoices on the go, while Xero’s unlimited user number makes it perfect for collaborative teams. Zoho Books takes accounting automation into the next century, and Sage Business Cloud Accounting is a super affordable, user-friendly pick for budget-conscious business owners. 

Compare the top accounting apps for small businesses

Brand name
Starting price
User number (with basic plan)
Mobile mileage and expense tracking
Mobile receipt scanning
Get started
$15.00/mo.* 1 user
Icon Yes  DarkYes
Icon Yes  DarkYes
$7.50/mo.** Unlimited (addt'l fee)
Icon Yes  DarkYes
Icon Yes  DarkYes
$12.00/mo. Unlimited
Icon No  DarkMileage tracking only
Icon Yes  DarkYes
$0.00/mo.† Unlimited (addt'l fee)
Icon Yes  DarkYes
Icon Yes  DarkYes
$10.00/mo. 1 user
Icon Yes  DarkYes
Icon Yes  DarkYes

Data as of 9/22/22. Offers and availability may vary by location and are subject to change.
*50% off for 3 mos. or 30-day free trial
**50% off for 6 mos. or 30-day free trial
†Available only for businesses with less than $50K USD in annual revenue

QuickBooks Online: Best overall

Best overall accounting app
Quickbooks
3.9 out of 5 stars
3.9
Starts at
$15.00/mo.*
  • pro
    Mobile mileage tracking and receipt scanning
  • pro
    Mobile invoicing (limited customization)
  • pro
    Up to 25 users (with most expensive plan only)

Data as of 9/22/22. Offers and availability may vary by location and are subject to change.
*50% off for 3 mos. or 30-day free trial

App Store rating: 4.7 stars (128.7K reviews)1
Google Play rating: 4.0 stars (47.6K reviews)2

Intuit QuickBooks Online is already one of the best accounting software tools for small business owners—and its accounting app is just as solid as its well-known online interface.

The QuickBooks app basically does everything your Intuit QuickBooks Online account does. That's a big deal, since many companies’ accounting apps don’t have the heft of their desktop versions.

With the mobile app, you can do any of the following things:

  • Pull up 50+ common, easy-to-read financial reports and send them to other stakeholders.
  • Send invoices with attached receipts via text, email, or messaging app—with the additional security of an encrypted link.
  • Automatically track expenses.
  • Use GPS to automatically track mileage.
  • Set up, accept, and sign estimates for customers even when you’re out of the office.
  • Accept payments with your preferred payment gateway.
  • Automatically transfer payments to your bank.

QuickBooks’ comprehensive features make it a great choice for most types of businesses. For instance, the estimate and quote feature makes it perfect for busy plumbing and HVAC contractors. The GPS mileage tracker is great for companies where employees spend a lot of time in transit, like real estate agents who spend the day traveling from house to house. And the secure invoicing via text feature works well for freelancers who need a quick, easy way to get paid on time.

Pros
pro Fast setup and low learning curve
pro Simple integration with other business apps
pro Extensive accounting features
Cons
con Higher starting price than most competitors
con Comparatively frequent price hikes
con Poor customer service reviews

FreshBooks: Best for invoicing

Best mobile invoicing app
Fresh Books
4 out of 5 stars
4.0
Starts at
$15.00/mo.*
  • pro
    Mobile mileage tracking and receipt scanning
  • pro
    Fantastic mobile invoicing
  • pro
    Multiple users ($10.00/addt'l user/mo.)

Data as of 9/22/22. Offers and availability may vary by location and are subject to change.
*50% for 6 mos. or 30-day free trial

App Store rating: 4.7 stars (10.4K reviews)3
Google Play rating: 4.2 stars (4.5K reviews)4

Are you a hard-working freelancer who needs to track project time, juggle expenses, and send accurate invoices to customers on the go? Then we can't recommend FreshBooks’ cloud-based accounting software highly enough.

For $15 a month, FreshBooks includes customizable recurring invoices that sync easily with its time tracking features so you can bill your clients the right amount per project. FreshBooks also integrates estimates, which you can throw together on the app, pass along for client approval, and transform into an invoice as soon as the project is over.

The app seems to work just as well for Apple users as for Google users. And though it has fewer users overall than QuickBooks, it scores super high for both platforms. Users' main complaints center on the app's lack of features when compared to the desktop version—but FreshBooks is so fully featured that fewer mobile accounting tools still means a lot of mobile accounting tools.

Plus, FreshBooks' customer service team is very active on both review sites: if you have a problem, a customer service rep will usually pass along your complaint to a developer within a few hours.

Pros
pro Unlimited customizable invoicing
pro Low starting price with solid discounts
pro Automatic late payment reminders for customers
Cons
con Fewer features with app than with desktop
con High price-per-user fee
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Xero: Best for freelancers

Most collaborative accounting app
Xero
4.2 out of 5 stars
4.2
Starts at
$12.00/mo.
  • pro
    Mobile invoicing
  • pro
    Unlimited users
  • pro
    Fast integration with 1,000+ third-party apps
  • con
    No built-in expense tracking with cheapest plan

Data as of 9/22/22. Offers and availability may vary by location and are subject to change.

App Store rating: 4.5 stars (727 reviews)5
Google Play rating: 4.1 stars (8.5K reviews)6

With Xero, accounting is easy and affordable. In fact, Xero’s accounting plans come pretty darn close to competing with QuickBooks’—but at the much more reasonable price of $12 a month. Xero’s app offers these key on-the-go features:

  • Bank reconciliation
  • Invoicing
  • Employee time management

Most impressively, Xero lets you add unlimited users, which is next to unheard of in the world of accounting applications. That feature alone makes Xero perfect for midsize to larger businesses for whom paying an extra $5 to $10 per user per month adds up fast. (It's also one reason why Xero is, in our opinion, the best accounting software for many small businesses.)

However, Xero's apps aren't quite as solid as QuickBooks' or FreshBooks’. Xero has fewer app users, but on the whole, they report more bugs. (In fairness, though, no one's accounting apps are as solid as Intuit QuickBooks.)

Xero is also a better pick for Android users than iOS users. Android users have an overall better experience, and there are thousands of Android reviews of Xero’s app (compared to a few hundred of the iOS app).

Pros
pro Affordable starting price
pro Free unlimited users with every plan
pro Stellar integration with other apps
pro Freelance-friendly accounting tools
Cons
con No expense tracking with cheapest plans
con Limited customer service hours

Zoho Books: Most comprehensive

Most comprehensive plans
Zoho
4.1 out of 5 stars
4.1
Starts at
$0.00/mo.*
  • pro
    Thorough app and software automation
  • pro
    Highly rated app
  • pro
    Unlimited users (addt'l fee)

Data as of 9/22/22. Offers and availability may vary by location and are subject to change.
*Available only for businesses with less than $50K USD in annual revenue

App Store rating: 4.8 stars (1.2K reviews)7
Google Play rating: 4.6 stars (9.8K reviews)8

Along with automatic data updates, Zoho Books builds automated workflows into each plan so you can take even more accounting tasks off your plate. An automated workflow is a task or process you usually do by hand—usually something boring but time consuming, like categorizing payments or organizing invoices—that your software or app does for you. With Zoho Books, you can choose which tasks you want to automate, whether that’s billing customers automatically, creating recurring payments, or sending payment reminders to clients who haven’t paid you.

Zoho Books’ biggest downside—and it’s a big one—is that it doesn’t have any payroll capabilities in most states. (Employers in seven states can sign up for Zoho Payroll: Texas, California, Washington, Tennessee, New York, Illinois, and Florida.) You can’t integrate Zoho Books with any other payroll apps, Gusto included. 

Still, users worldwide rave about Zoho's accounting app, which is super user-friendly and isn't plagued with bugs or crashes. So if you don't need payroll integration but do need on-the-go bookkeeping, Zoho Books' affordable plans might be worth your while. 

Info
Alternative Zoho products

If you need even fewer accounting tools than Zoho Books offers, we'd point you toward Zoho Invoice, a free-for-life Zoho product with outstanding app rankings. Or, if expense tracking is your main focus, Zoho Expense is one of the best expense apps for freelancers, sole proprietors, and other business owners. All of Zoho's products integrate with each other, and Zoho Books, Invoice, and Expense each have free plans—so if you want the best accounting apps at the best price, you really can't go wrong with Zoho. 

Pros
pro Plans with inventory management
pro Multiple workflow automation options
pro Fantastic integration with free accounting tools like Zoho Invoice
Cons
con No payroll processing
con Limited integration with non-Zoho apps

Sage Business Cloud Accounting: Best customer service

Most responsive customer service
Sage
Sage
3.6 out of 5 stars
3.6
Starts at
$10.00/mo.
  • pro
    Mobile expense tracking
  • pro
    Mobile invoice follow-ups and customer reminders
  • pro
    Users limited by plan

Data as of 9/22/22. Offers and availability may vary by location and are subject to change.

App Store rating: 4.3 stars (31 reviews)9
Google Play rating: 3.1 stars (289 reviews)10

Sage Accounting—formerly Sage One—is a thorough accounting application with a wide array of mobile capabilities. Whether you’re using the cloud-based software or the app, Sage’s interface is extremely user friendly with colorful, easy-to-read dashboard reports.

Sage Accounting also has a fairly solid customer service team: you can call, chat, or email customer support. Its stand-out customer service option is Sage University, an online series of financial courses for business owners. Most small-business owners who use accounting apps don’t have an extensive bookkeeping background, so we like that Sage doesn’t just provide a user-friendly app—it also gives users the tools to effectively use that app to manage their businesses.

Sage Business Cloud Accounting has two price points: $10 per month and $25 per month. The basic $10 plan only allows for one user, and it's more of a bookkeeping app than a full-fledged accounting system. (For instance, inventory management is included with the pricier plan only.) And while the low starting price is good for freelancers, the app doesn’t have built-in mileage tracking, so contractors who travel for work should probably look for a different accounting platform.

Still, the Sage Accounting app is fully featured regardless of the plan you choose—especially for invoicing. You can use it to create and send invoices, generate estimates and quotes, and follow up with customers who have overdue invoices. The app also has a solid expense-tracking service that includes thorough transaction records.

Pros
pro Low starting price
pro Online financial education courses
pro Thorough mobile invoicing, including overdue invoice notifications
Cons
con Declining Android reviews
con Limited features with cheapest plan
con Only a handful of iOS app users

More small-business accounting app options

The small-business apps we listed above might be our favorites, but they’re definitely not the only fish in the great app sea—and the best app for one business owner might not be the best one for you. If our first five choices didn’t catch your eye, no worries. Scan this list for more accounting solutions that could better handle your needs.

Compare top accounting apps: Honorable mentions

Brand name
Starting price
User limit (with basic plan)
Mobile mileage and expense tracking
Mobile receipt scanning
Get started
$12.00/mo.*Unlimited users
Icon Yes  DarkYes
Icon Yes  DarkYes
$9.00/mo.1 user
Icon No  DarkNo
Icon Yes  DarkYes
$0.00/mo.Unlimited
Icon No  DarkExpense tracking only
Icon No  DarkNo

Data as of 9/22/22. Offers and availability may vary by location and are subject to change.
*For the first six months only. After six months, price increases to $24.00/mo.

FreeAgent: Best customer engagement

Best customer engagement
FreeAgent
FreeAgent
Starts at
$12.00/mo.*
  • pro
    Invoicing, billing, and receipt-scanning app
  • pro
    iOS and Android apps
  • pro
    Mobile mileage-tracking

Data as of 9/22/22. Offers and availability may vary by location and are subject to change.
*For first six months only. After six months, price increases to $24.00/mo.

App Store rating: 4.8 stars (7.6K reviews)11
Google Play rating: 4.4 stars (786 reviews)12

FreeAgent has all the basics of good accounting apps and software, including on-the-go receipt capturing, invoicing, and billing. But it also has a few perks that set it apart. For one thing, it lists your upcoming tax dates so you can stay on top of deadlines. It also has a time feature so you can track meeting minutes and manage mileage.

Since FreeAgent is a UK-based company, its entire support team is located in the UK. That doesn’t stop agents from getting in touch, though—the FreeAgent app support team responds to almost every comment (positive and negative alike) on both the App Store and Google Play store, thanking users and actively requesting user input.

OneUp: Best inventory management

Best for managing inventory
One Up
OneUp
Starts at
$9.00/mo.
  • pro
    Excellent mobile sales and inventory features
  • pro
    App-based lead generation
  • con
    No iOS app

Data as of 9/22/22. Offers and availability may vary by location and are subject to change.

Google Play rating: 3.9 stars (200 reviews)13

Once you sync OneUp with your bank account, the app automates your books with your latest bank transactions and keeps you up to date with daily profit and cash flow updates. But where the OneUp's accounting tool really excels is in its mobile sales features: you can input potential leads on the go, automatically generate product reorders from sales orders, and track inventory from the app.

A few downsides: the OneUp app doesn’t offer loads of integrations—just your basic Google Apps and Square. OneUp’s basic plan doesn’t include customer service, so if you run into trouble with the app, you’re on your own.

Most importantly, OneUp no longer has an iOS app. But as much as we hate to recommend an accounting solution with such a poor iOS app, OneUp’s unique sales and inventory features should keep it on your radar—at least if you own an Android.

Kashoo: Best iOS-only

Best iOS-only app
Kashoo
Kashoo
Starts at
$0.00/mo.
  • pro
    Mobile expense tracking and invoicing
  • pro
    Free invoicing-only plan and app
  • con
    App limited to iOS only

Data as of 9/22/22. Offers and availability may vary by location and are subject to change.

App Store rating: 4.1 stars (73 ratings)14

We hate to recommend an Apple-only app, but it seems only fair to balance OneUp's abysmal iOS ratings with Kashoo's well-reviewed iPhone app.

Kashoo's main emphasis is simplicity. It's one of the most streamlined, straightforward accounting tools you can find, which makes it perfect for first-time business owners who aren't yet familiar with bookkeeping processes. The app is just as straightforward as the desktop software. You shouldn't be overwhelmed with confusing charts or overly complex reports. Instead, you can use it to easily send invoices, collect payments, and even track sales tax.

As with most apps in the "simple and straightforward" category, Kashoo's simplicity is its main downside. The software is great, but if you're hoping for in-depth reports and accounting features, QuickBooks, FreshBooks, or Xero all have more to offer. And, of course, the app is only available for iOS. Android users can't take advantage of Kashoo's easy accounting—at least, not yet. (An Android Kashoo app appears to be in the works.)

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The takeaway

Our favorite small-business accounting app for both iOS and Android users is QuickBooks Online. It's exactly as user-friendly as the cloud-based QuickBooks software and offers the same bookkeeping and accounting as the browser interface.

If you're not interested in QuickBooks, our other picks also offer free trials and stellar apps: 

  • FreshBooks' client collaboration is hard to beat.
  • Xero's unlimited users and inventory management help it stand out from the crowd.
  • Zoho Books' thorough automation complements its comprehensive plans and features.
  • Sage Business Cloud Accounting's customer service and online trainings help first-time business owners start establishing their companies.

Accounting software already makes your life easier, your business operations smoother, and your bottom line happier. Honestly, the only way to improve your business’s accounting life is to choose software with an accounting app that lets you do it all—anywhere you like.

Would you prefer to work with an accounting professional instead of using apps and in-house software? Check out our review of the best virtual and outsourced bookkeeping services to find an accounting solution that works for you.

Find Your Money—and Keep More of It

With plans starting at $15 a month, FreshBooks is well-suited for freelancers, solopreneurs, and small-business owners alike.

  • Track time and expenses
  • Create custom invoices
  • Accept online payments

Best mobile accounting app FAQ

What is the best small-business accounting app?

QuickBooks Online easily rates as the best accounting app for small businesses. 

But you don’t have to take our word for it: both iOS and Android users score QuickBooks’ mobile accounting app incredibly high. On the App Store, QuickBooks gets 4.7 out of 5 stars from 128,000 reviewers.1 And though it’s rated lower on Google Play, Android users still rate QuickBooks’ small-business app above 4 stars2—not bad for an app used daily by millions of people around the world.

How much does the QuickBooks Online app for small businesses cost?

Intuit QuickBooks Online starts at $30 a month. If you're a new user, you can opt for either a 30-day free trial or sign up to get your first three months free. Note that you can't take advantage of both options—if you choose one, you waive the other (as per industry standard).

QuickBooks is on the pricier end of accounting software. At $30 a month, it's easily the priciest accounting app on our list. Cheaper options include Xero ($12 a month) and Zoho Books ($0 for some businesses). You can also find free accounting software. We're particularly fond of Wave Accounting, a free-for-life app that has nearly as many accounting tools and features as paid brands. 

Wave is just one of several solid options, though. Check out our review of the year's best free accounting software to find budget-friendly bookkeeping. 

What are the pros and cons of accounting apps?

The main pro is all in the name: unlike your work computer, mobile applications are . . . well, mobile. They go wherever you go as long as you travel with your phone. Since most of us are attached to our smartphones by the hip (or hand), that shouldn’t be a problem.

In other words, with an app, your business’s data is always with you and easily accessible. You don’t have to wait until you’re back at your computer to email a client, fill out an invoice, or submit an estimate.

The drawback to using apps over software is that most apps only do so much. The desktop versions of most accounting plans have more features and reports than the apps do. Plus, desktop versions are just easier to read—with a bigger screen, it’s easier to see your program’s navigation and options and to read reports.

Which is the easiest accounting software to use?

For ease of use, it's hard to do better than QuickBooks Online. Intuit developed this cloud-based software specifically for non-accountant small-business owners, and everything from the interface to the initial setup is as simple as possible. QuickBooks' ease of use obviously extends to its mobile app—one of the most widely used mobile accounting apps for US-based small businesses—which is at least as user-friendly as the online software.

For the record, though, all of our top accounting software recommendations are notably easy to use. FreshBooks, Xero, and Zoho Books in particular all have streamlined interfaces that are comparable to QuickBooks'. These three brands also have better customer service reputations than QuickBooks. If you run into trouble with setup, you might have an easier time contacting someone for help if you go through Xero or FreshBooks.

Methodology

To choose the best accounting software apps for small and midsize businesses, we looked at several key ranking factors:

  • Overall app functionality, including whether the app and software offer the same features
  • Mobile-specific features, such as receipt scanning and mileage tracking
  • Customer reviews for both the iOS and Android apps
  • User numbers
  • Plan and pricing information
  • General accounting features for the software as a whole
  • Overall accessibility, user-friendliness, and functionality

Disclaimer

At Business.org, our research is meant to offer general product and service recommendations. We don't guarantee that our suggestions will work best for each individual or business, so consider your unique needs when choosing products and services.

Sources
1. App Store, “QuickBooks Accounting.” Accessed September 22, 2022.
2. Google Play, “QuickBooks Accounting: Invoicing & Expenses.” Accessed September 22, 2022.
3. App Store, "FreshBooks Cloud Accounting." Accessed September 22, 2022.
4. Google Play, “FreshBooks - Invoice + Accounting.” Accessed September 22, 2022.
5. App Store, “Xero Accounting & Invoices.” Accessed September 22, 2022.
6. Google Play, “Xero Accounting Software.” Accessed September 22, 2022.
7. App Store, “Accounting app – Zoho Books.” Accessed September 22, 2022.
8. Google Play, “Accounting App – Zoho Books.” Accessed September 22, 2022.
9. App Store, “Sage – Accounting.” Accessed September 22, 2022.
10. Google Play, “Sage - Accounting: invoicing & expenses.” Accessed September 22, 2022.
11. App Store, “FreeAgent Mobile Accounting.” Accessed September 22, 2022.
12. Google Play, “FreeAgent Mobile.” Accessed September 22, 2022.
13. Google Play, “Accounting Invoicing - OneUp.” Accessed September 22, 2022.
14. App Store, "Kashoo Cloud Accounting." Accessed September 22, 2022.

Kylie McQuarrie
Written by
Kylie McQuarrie
Kylie McQuarrie has been writing for and about small businesses since 2014. Prior to writing full-time, she worked with a variety of small-business owners (from freelance writers to real-estate solopreneurs), which gave her a front-row look at small-business owners' struggles, frustrations, and successes. Currently, she’s Business.org’s accounting and payroll staff writer. Her work has been featured on SCORE.org, G2, and Fairygodboss, among others.
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