Accounting Software
Solo operators need invoicing that chases itself and enough bookkeeping to survive tax season — not inventory, multi-entity consolidation or approval chains. These three are priced and shaped for one person.
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Best for freelancers and service businesses that bill for time
FreshBooks is invoicing-first accounting for freelancers and service businesses. Time tracking and project profitability are built in rather than bolted on, at the cost of inventory support and per-client billing limits.
$21/mo
30-day free trial
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Best for sole traders and side businesses that need real books at zero cost
Wave offers genuine double-entry accounting and unlimited invoicing at no cost, funded by payment processing and payroll. The Starter tier is free but no longer includes automatic bank feeds, which is the key limitation to understand.
Free plan
paid from $14/mo
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Best for businesses already running the Zoho suite, and for value hunters
Zoho Books is the value option with the widest feature list per dollar, including inventory and a client portal at low tiers. Its strongest argument is suite integration; its weakness is US accountant familiarity and a free tier limited by revenue.
Free plan
paid from $20/mo
Accounting Software by the numbers
$20/mo
Median starting price
67%
Offer a free trial
67%
Have a free plan
3
Products tracked
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