Re-verified monthly · last check Aug 29, 2026

The pricing tracker

Every price on this page was read off the vendor's own pricing page by us, on the date shown — never lifted from a roundup, a review site, or an AI summary. That distinction is not pedantry: this month we found a plan still quoted across 2026 buying guides that no longer exists, and live prices a full tier above the numbers circulating secondhand. Prices rot. Dates are the preservative.

Each tool here has been through our lab or is in the queue; where a review exists, it's linked. Promos are listed with the expiry the vendor stated — if the date has passed, assume the promo has too. Pricing your own services instead? That's the pricing worksheet.

Core ledgers

The books themselves. All four ran identical sample books in our lab.

Lab score · ledger checklist

21/32

Simple Start $38/mo
Essentials $85/mo the tier we tested; 3 users + free accountant seats

Trial: 30-day trial, hidden behind the promo funnel. Card required — and it cannot be removed afterward; cancel or you convert. Promo: 90% off for 3 months (page said ends Aug 27, 2026).

Xero

Verified Aug 10, 2026 · pricing page · our review

Lab score · ledger checklist

25/32

Early $25/mo caps: 20 invoices, 5 bills/mo
Growing $55/mo the tier we tested; unlimited users on all plans
Established $90/mo adds multi-currency

Trial: 1-month trial behind a "Get one month free" toggle. Card required — no way to remove it; cancel by the deadline or you convert. Promo: 90% off for 6 months.

FreshBooks

Verified Aug 11, 2026 · pricing page · our review

Lab score · ledger checklist

18/32

Lite $23/mo capped at 5 billable clients — client count is the pricing axis
Plus $43/mo the tier we tested; 50 billable clients
Premium $70/mo unlimited clients

Trial: 30-day trial, no card demanded — the honest kind. Free dedicated Accountant role on all tiers. Promo: 90% off for 3 months.

Wave

Verified Aug 15, 2026 · pricing page · our review

Lab score · ledger checklist

22/32

Starter $0 genuinely free, forever — but ALL collaborator invites are Pro-only
Pro $19/mo ~$15.83/mo billed annually; unlocks bank feeds, rules, and bookkeeper access

Trial: No trial needed and no card, ever. The revenue engine is payments (2.9% + $0.60; Pro discounts it).

Receipt & document capture

Both ran our 15-document receipt gauntlet, photos and PDFs.

Dext

Verified Aug 13, 2026 · pricing page · our review

Lab score · capture checklist

26/32

Business plan $31.50/mo 250 docs, 5 users
Practice $23.92/client/mo 10-client MINIMUM — a $239.19/mo floor; $20.35 at 20 clients
AI Assist add-on $10.50/mo category suggestions are the add-on, not the base

Trial: 14-day trial, no card.

Hubdoc

Verified Aug 13, 2026 · pricing page · our review

Lab score · capture checklist

24/32

Flat $12/mo per organization, no practice minimum
With Xero Included free with every Xero business plan — verified on our own billing page

Trial: 30-day trial, no card.

Month-end close

Mounted on our already-reconciled books with planted open items.

Double

Verified Aug 15, 2026 · pricing page · our review

Lab score · close checklist

28/32

Core $10/client/mo the tier we tested
Plus $25/client/mo
Scale $50/client/mo unlimited users and no client minimum on every tier

Trial: 15-day self-serve trial, no card — but only for practices with 0–9 clients; bigger firms are routed to a sales demo. (Called Keeper until late Oct 2025; keeper.app now redirects.)

Client onboarding & engagement

The document chase and the engagement letter — opposite halves of onboarding, both in our lab now.

Content Snare

Verified Aug 16, 2026 · pricing page

Basic $42/mo $35/mo annual · 20 active requests, 2 users — requests are the axis
Plus $85/mo $71/mo annual · 50 requests, 5 users, custom branding starts here
Pro $143/mo $119/mo annual · 100 requests, 10 users
Custom from $258/mo from $215/mo annual

Trial: 14-day trial, no card — extendable to 21 days by answering a marketing survey. Uploads capped at 20MB during trial.

Ignition

Verified Aug 29, 2026 · pricing page

Solo $49/mo $39/mo annual · 20 active clients, 1 user — gated to firms under $150k revenue, and requires connecting Xero/QBO and enabling payments
Core $149/mo $99/mo annual (the aggressive 34% annual push) · 50 clients, 3 users
Pro $279/mo $229/mo annual · 350 clients, 15 users
Pro+ $499/mo $399/mo annual · 600 clients, unlimited users

Trial: 14-day trial, no card, all features regardless of plan; collect up to $10,000 in payments fee-free during it (their own pages disagree on whether that window is 14 or 30 days). Promo: 25% off for 6 months when signing up by Aug 31, 2026.

Payroll

Reviewed from the outside — payroll cannot be lab-run for a fictional company, and we say so.

Gusto

Verified Aug 16, 2026 · pricing page

Simple $49/mo + $6/person single-state payroll; tax filing included at every tier
Plus $80/mo + $12/person multi-state, HR, time tracking
Premium $180/mo + $22/person
Solo $49/mo + $6/person S-corp solopreneur self-pay — for your own firm, not your clients

Trial: No trial clock at all: free until you run your first payroll.

The catch log

Dated instances of why this page exists: what our verifications caught that secondhand numbers missed.

  • Sep 1, 2026 Xero’s billing reminder — sent seven days before it charges a card, which is more warning than any other tool in the lab has given us — still carries a price-increase notice dated “From 1 Oct 2025”, eleven months stale at the time of sending. The warning itself is exact (charge date named, cancel link included); the price note attached to it tells a reader nothing about whether their own plan is moving.
  • Aug 29, 2026 Ignition’s trial-expiry win-back email headlines “For just $39 a month” — but its own footnote limits the offer to a Core, Pro, or Pro+ monthly plan. $39 is the Solo tier billed annually; the cheapest plan the offer actually covers is Core monthly at $149, or 3.8× the advertised figure. Verified in Ignition’s own in-app plan chooser the same day, which also defaults to the annual toggle so the lower numbers show first.
  • Aug 16, 2026 Gusto’s $35/mo contractor-only plan — still quoted by 2026 third-party pricing guides — is no longer on Gusto’s pricing page. The "Pay Myself" tab now sells a $49 S-corp Solo plan instead.
  • Aug 16, 2026 Ignition’s live prices ran a tier higher than the numbers circulating in third-party guides (Pro verified at $229/mo annual, not the widely quoted $199), and its Solo tier’s $150k revenue gate is self-attested at signup.
  • Aug 12, 2026 Xero launched embedded US payroll powered by Gusto — the payroll-pricing question for Xero practices changed shape entirely. Pricing for the embedded product still settling.
  • Aug 10, 2026 QuickBooks Online and Xero both demand a card at "free" trial signup and provide no way to remove it afterward — the trial is a subscription with a fuse. FreshBooks, Wave, Dext, Hubdoc, Double, Content Snare, Ignition and Gusto demanded none.

Some links below are affiliate links — if you subscribe through one, we earn a commission at no extra cost to you. It never changes a verdict; every tool runs the same test books. Full disclosure