QuickBooks Online Accounting Software Review 2021

With millions of global users, QuickBooks Online is one of the world’s most popular accounting software options. But QuickBooks Online definitely has its shortcomings, most notably its high price and low customer service ratings. Business.org’s QuickBooks review can help you decide if QuickBooks is right for you, or if your business needs a cheaper QuickBooks alternative (like Xero or FreshBooks) instead.
Best accounting app
4 out of 5 stars
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    Comprehensive accounting features
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    Accessible, user-friendly dashboard
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    Easy integration with multiple third-party apps
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    High starting price

QuickBooks Online is a cloud-based, user-friendly accounting software product that handles any accounting task a small-business owner can imagine. Intuit, QuickBooks' parent company, has been an accounting staple since the 1980s, and those decades of experience absolutely show through in QuickBooks Online. However, QuickBooks definitely has its drawbacks, especially its high starting price. Keep reading; our QuickBooks review helps you decide if the software’s perks outweigh its downsides.

QuickBooks Online plans and pricing 2021

Plan name
Starting price
Number of users
Key features
Learn more

Self Employed


1 user

Mileage tracking, receipt scanning, invoicing, quarterly tax estimation

Simple Start


1 user

Mileage tracking, receipt scanning, invoicing, cash flow management, 1099 contractor tracking



3 users

Simple Start + bill management and time tracking



5 users

Essentials + inventory tracking and project tracking



25 users

Plus + batched invoices and expenses, workflow automation, and additional customizations

Data as of 10/7/21. Offers and availability may vary by location and are subject to change.

QuickBooks Online plans and features

QuickBooks Online—which you might see abbreviated as QBO—is one of the most scalable, versatile small-business accounting solutions out there. Whether you’re a self-employed individual with a limited software budget or you own a small to medium-sized business counting on growth, QuickBooks has a plan for you—though whether it's priced right is another question.

QuickBooks Self-Employed

QuickBooks Self-Employed is specifically geared toward freelancers. It has only basic bookkeeping features (including minimal reporting), doesn't help with more complex business taxes, and accommodates just one user. If you aren't a freelancer, Self-Employed honestly won't work for you.

But if you are a freelancer, QuickBooks Self-Employed helps you charge clients, track expenses, and prepare for tax time with features like these:

  • Invoicing and payment acceptance
  • Receipt capturing
  • Quarterly tax estimation
  • Basic reporting, including profit and loss reports and itemized tax deductions

You'll also get QuickBooks' mobile accounting app, which beats every other accounting app on the market hands down. At $15 a month, QuickBooks Self-Employed isn't the cheapest choice for freelancers (which is true of every QuickBooks plan, honestly), so if frugality is your main goal, a free accounting solution like Wave will save you that extra $180 a year.

QuickBooks Simple Start

Simple Start is QuickBooks' cheapest plan for solopreneurs and small-business owners. At $25 a month, it doesn't come cheap—we assume you're expecting this caveat by now—but it features a pretty good accounting service roundup:

  • Income and expense tracking
  • Mileage tracking
  • Invoicing and payment acceptance
  • Estimates
  • Receipt capturing and tracking
  • 1099 contractor management
  • Sales (and sales tax) tracking
  • Customizable report generation

Note that Simple Start doesn't include inventory tracking. However, QuickBooks syncs with hundreds of third-party apps, many of which offer better inventory tracking than QuickBooks does). So if you sell goods, you don't necessarily need to exclude Simple Start.

QuickBooks Essentials

In our book, QuickBooks Essentials and QuickBooks Plus are the best QuickBooks plans for small and midsize businesses. Essentials, priced at $50 a month, adds bill management and time tracking along with better reporting—including accounts receivable and accounts payable, which are necessary for businesses that take customer payments on credit.

QuickBooks Essentials also lets you grant access to three users, which could include you, your accountant or bookkeeper, and one other person in your business. It's a useful feature if you want multiple eyes on your cash flow. Heads up, though: it's frustrating that QuickBooks limits the number of people you can add by plan. Competitors like FreshBooks let you add as many users as you want for an extra $10 per person per month while every Xero plan includes unlimited users at no additional cost.

QuickBooks Plus

QuickBooks Plus jumps up to $80 a month for two key additions: inventory tracking and project profitability tracking. Frankly, QuickBooks' inventory management solution is a bit underwhelming, but using the same platform for sales tax and income tracking has its perks. And with project profitability tracking, you can look at payroll, labor costs, and (if you offer custom pricing for each job) job costing.

QuickBooks Advanced

QuickBooks Advanced is QuickBooks' heftiest plan, and at $180 a month (that's $2,610 a year), it's well out of range for most small-business owners. With 25 users, extensive reporting, online training, and a dedicated account manager, QuickBooks Advanced isn't quite an enterprise-level solution, but it is built for bigger businesses with dozens of employees and a steady cash flow.

QuickBooks Online

Sync your credit card processing with your books with QuickBooks POS.

QuickBooks Online pros and cons

Pro Bullet Excellent, user-friendly interface
Pro Bullet Extensive reporting features
Pro Bullet Highly rated mobile app
Con Bullet Expensive plans
Con Bullet Low customer service ratings

QuickBooks Online pros

QuickBooks is absolutely worth the hype. First of all, the software is, by and large, fairly intuitive. It's easy to set up and use, which is crucial when you're delving into the world of finances—the numbers themselves are hard enough to wrangle without clunky software to hold you up.

Post-setup, QuickBooks helps you stay on top of your finances with extensive reporting. The pricier your plan, the more reports you get, which makes sense. After all, the heftier plans are built for bigger businesses, which have more complex needs like high-level inventory management and payroll. Most notably, with QuickBooks Plus and Advanced, you can access 60+ reports, all of which can give you at-a-glance information about how your business is performing.

And if you do most of your accounting on the go, QuickBooks Online is one of your best solutions. Of all our top accounting software solutions, it has one of the highest-rated mobile accounting apps. The app is basically an all-in-one accounting platform that lets you create invoices, scan receipts, manage expenses, track mileage, and reach out to customers from any web-enabled device.

In other words, QuickBooks' app does just about everything the accounting software can do—a rarity among accounting software providers. Even better, both iOS and Android users are happy with the app's performance. On Apple's App Store, 127K users give the app an average of 4.7 out of 5 stars,1 and on Google Play, the app averages 4.0 stars among 42.3K users.2

Best Small Business Accounting Software
Best overall
4.4 out of 5 stars
Best invoicing
3.9 out of 5 stars
Most user-friendly
3.9 out of 5 stars
Most affordable
3.9 out of 5 stars
Zoho Books
Best automation
3.6 out of 5 stars
Learn more about our top brands.

QuickBooks Online cons

QuickBooks' app does just about everything the software can do—a rarity among accounting software providers. Even better, both iOS and Android users are happy with the app's performance.

We may have hinted at this a few times so far in this review . . . but Intuit's QuickBooks is on the higher end of expensive accounting software providers for small businesses. In fairness to QuickBooks, the extensive features do help justify the price. But that's poor consolation for small-business owners who, in our opinion, shouldn't have to dedicate a big chunk of their monthly finances to managing said finances.

Plus, with its above-average cost, you'd think QuickBooks could invest in a good customer service experience . . . but you'd be wrong. On most fronts, QuickBooks has super low customer satisfaction ratings. For instance, on the consumer review site Trustpilot, users collectively give QuickBooks just one star out of five.3 (One reviewer described Intuit’s customer service as “kafkaesque,” which . . . yeah, that sums it up.)

Additional QuickBooks options

QuickBooks Payroll

Managing a growing team? You can add QuickBooks Payroll to your existing QuickBooks Online plan. Pricing starts at $45 a month plus an additional $4 per paid employee per month. All of QuickBooks' payroll plans include full-service payroll, which means QuickBooks calculates and files payroll taxes for you. QuickBooks Payroll is one of our favorite payroll companies, so if you’re already using QuickBooks and just hired your first employee, we recommend looking into QuickBooks Payroll.

Expert setup

QuickBooks is generally pretty easy to set up yourself, though launching any accounting software gets harder the more complex your business is. But if you don't want to tackle software setup on your own—or if you just want additional help customizing QuickBooks to your business—you can request expert setup from a QuickBooks bookkeeper.

For a one-time $50 fee, a bookkeeper will walk you through the entire setup process. In particular, they'll help you create your chart of accounts, which is a list of all the financial accounts your business will use to record financial transactions. Creating a thorough chart of accounts is one of the most important ways to set your business up for success, so in our book, the extra help is worth the $50 charge.

QuickBooks Desktop

QuickBooks Desktop is Intuit's other, older accounting software program. Unlike Intuit QuickBooks Online, which is cloud based, the desktop version is installed once on your computer. QuickBooks Desktop has most of the same features as QuickBooks Online, but you can't access your account from anywhere in the world: your business's financial data is saved to your computer instead.

On the other hand, QuickBooks Desktop has some desktop-specific perks, like intensive industry-specific reporting. It lets you recalculate job costs and rebill customers, and there's a little more customization.

Our advice? QuickBooks Online has better flexibility, data security, updates, and mobile access, so if those things are important to you, that's the plan we recommend. But if you work in a highly specialized industry—say, the nonprofit sector—a QuickBooks Desktop plan that caters to your unique business could be worth the investment.

QuickBooks Desktop plans and pricing

QuickBooks Pro 2021 handles most of the same tasks as QuickBooks Online. Use it to track and organize finances, manage receipts, and bill customers. You can purchase and run QuickBooks Pro one of two ways:

  • QuickBooks Pro 2021, a base plan with standard financial organization features at a one-time cost of $399.99.
  • QuickBooks Pro Plus 2021, which includes subscription perks like unlimited customer service, auto data backups, and automatic updates. The Pro Plus plan costs an annual fee of $299.99.

QuickBooks Premier 2021 includes the same features as QuickBooks Pro, but it adds 150+ customizable industry reports, in-depth forecasting, and an additional two users. Just like the QuickBooks Pro plans, QuickBooks Premier plans break down by one-time or annual payments:

  • QuickBooks Premier 2021, which includes the features listed above for a one-time payment of $649.99.
  • QuickBooks Premier Plus 2021, which includes subscription benefits like automatic updates and data backups. The Premier Plus plan costs an annual subscription fee of $499.99.

If you need even more customizability and user access, try QuickBooks Enterprise 21.0, which includes every Pro Plus and Premier Plus feature and allows for up to 40 users. As you’d expect, such a hefty plan costs quite a bit: QuickBooks Enterprise starts at $1,213 per year.

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

1. App Store, "QuickBooks Accounting." Accessed October 7, 2021.
2. Google Play, "QuickBooks Online Accounting, Invoicing and Expenses." Accessed October 7, 2021.
3. Trustpilot, “Intuit.” Accessed October 7, 2021.

The takeaway

QuickBooks is user friendly, flexible, and chock-full of smart features. If you're okay with the price and aren't worried about working through technical problems by yourself, QuickBooks can help you get your finances in line.

Not sold on QuickBooks Online? Review your other options by checking out our review of the year's best accounting software for small businesses.

QuickBooks Online FAQ

What apps does QuickBooks sync with?

QuickBooks syncs with just about every popular accounting app you can think of, including Gusto, Square, PayPal, Stripe, and Google Calendar. Plus, Intuit owns several other accounting products, including TurboTax, Mint, and TSheets, all of which integrate seamlessly with your QuickBooks Online account.

How much does QuickBooks accounting software cost?

QuickBooks's accounting software starts at $15 a month for freelancers and $25 a month for self-employed business owners. And QuickBooks almost always has a discount for new users—if you waive your 30-day free trial, you'll usually get three months for 50% off (or more).

Is there a good alternative to QuickBooks?

QuickBooks has several solid competitors, many of which offer similar accounting services at a lower cost. If you like QuickBooks but want to pay a bit less, we recommend looking at FreshBooks, Xero, and Wave Accounting.

What is a QuickBooks ProAdvisor?

A QuickBooks ProAdvisor is an independent accountant who helps small-business owners set up their QuickBooks accounting software, handle basic bookkeeping tasks, and analyze finances to drive growth. You can find a QuickBooks ProAdvisor in your area on QuickBooks’s site.


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.

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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