Free plans only

5 Best Free Accounting Software for Small Business of 2026

By the Rankozo research desk · Updated November 7, 2026

5 of the 10 tools in our best accounting software for small business ranking offer a permanent free plan. Zoho Books scores highest among them at 8.9 out of 10.

1. 01

   Zoho Books

   Teams of two to five that want bank feeds, sales tax and multiple logins for a low flat fee.

   Free plan under $50K yearly revenue; Standard $15 per organization per month billed annually ($20 monthly)

   Full entry, No. 1 overall

   Paid from

   $15

   Score 8.9

2. 02

   Wave

   Small service businesses that invoice often and want the lowest fixed monthly cost.

   Starter plan free; Pro $19 per month billed monthly or $190 per year

   Full entry, No. 2 overall

   Paid from

   $19

   Score 8.4

3. 03

   QuickBooks Online

   Small businesses whose accountant already works in QuickBooks and that need deeper reports.

   Simple Start $38 per month for 1 user (50% off for 3 months); Essentials $85 for 3 users; QuickBooks Free at $0

   Full entry, No. 4 overall

   Paid from

   $38

   Score 8.1

4. 04

   Odoo Accounting

   Small companies that want accounting today and CRM, inventory or POS from the same vendor later.

   See vendor pricing (USD check pending)

   Full entry, No. 8 overall

   Paid from

   Free plan

   Score 7.5

5. 05

   ZipBooks

   Small service businesses that want free invoicing and a simple path to team access.

   See vendor pricing (USD check pending)

   Full entry, No. 9 overall

   Paid from

   Free plan

   Score 7.3

Scores and prices come from our Best Accounting Software for Small Business ranking, which uses one method for every tool. Questions or corrections: editorial@rankozo.com