Free Accounting Software for Small Business | HelloBooks Free accounting software with up to 200 transactions per year, 1 live bank feed, 2 users and free AI credits. No credit card, no expiry.
Free accounting software, free bookkeeping software, free invoicing software and free small business accounting software for the United States, with up to 200 transactions per year, a live bank feed and AI categorization.
HelloBooks Free is a permanent plan, not a trial. It includes up to 200 transactions per year, invoices, bills, quotes, reports, and free AI credits to get started. No credit card, no end date.
up to 200 transactions per year, no credit card. Plan details checked on 29 September 2026.
Yes. HelloBooks Free is a permanent $0/mo plan, not a trial: no credit card, no end date, and up to 200 transactions per year. It includes 1 live bank feed, 2 users, the mobile app and free AI credits to get started.
The rule behind the plan is simple: Free includes the core ledger, with up to 200 transactions per year. The 200 figure is the annual transaction cap, not an AI-credit number.
Free includes up to 200 transactions per year, 1 live bank feed, 2 users, free AI credits to get started and 10 one-time WhatsApp sends. Invoices sent from Free carry a small “Powered by HelloBooks” badge. Exporting data, recurring invoices and multi-currency are on paid plans.
When the free AI credits run out, the automation pauses and the books carry on manually. Upgrade to get more AI credits; paid plans can also top up with a credit pack. You are never locked out of your own accounts.
If what you need first is free invoicing software, Free covers invoices, quotes and reminders inside the up to 200 transactions per year allowance, and lets HelloBooks chase late payers with unlimited email payment reminders.
Invoices post straight into the same ledger as your bills and bank feed, so AR aging and your P&L stay current without re-keying anything. Free invoices carry a small “Powered by HelloBooks” badge; recurring invoices are on paid plans.
Most free plans cap the accounting itself. QuickBooks’ free tier allows 2 invoices a month. Wave’s free Starter plan has unlimited invoices but no bank feed. Zoho Books Free allows 1,000 invoices and 1,000 expenses a year, and only while turnover stays under $50K. Xero has no free tier; every Xero plan is paid after the trial. (Vendor pages checked September 2026.)
HelloBooks Free includes invoices, bills, quotes, reports and a live bank feed, with up to 200 transactions per year.
| Software | Free tier | Checked |
|---|---|---|
| HelloBooks Free ($0/mo) | Unlimited invoices, bills and quotes; 1 live bank feed; 2 users; free AI credits to get started. No credit card, no expiry. | Our own plan |
| QuickBooks | QuickBooks’ free tier allows 2 invoices a month. | September 2026 |
| Wave | Wave’s free Starter plan has unlimited invoices but no bank feed. | September 2026 |
| Zoho Books | Zoho Books Free allows 1,000 invoices and 1,000 expenses a year, and only while turnover stays under $50K. | September 2026 |
| Xero | Xero has no free tier; every Xero plan is paid after the trial. | September 2026 |
| FreshBooks | FreshBooks has no permanent $0 plan; it offers a 30-day free trial, then a paid plan. | 28 September 2026 |
Yes, but check what “free” means. Some free plans are trials that end, some cap invoices each month or year, and some leave out the bank feed. HelloBooks Free is permanent: no trial clock, no credit card, and up to 200 transactions per year.
The one whose limits you will not hit. Compare three things: whether invoices and bills are capped, whether a live bank feed is included, and what happens when you pass a limit. The table above lists each vendor’s free tier with the date we read it and a link to the source.
Yes. Connect your business bank account as your live bank feed, categorize each transaction (free AI credits help at the start), reconcile monthly against the bank statement, and run a P&L. With 2 users you can invite an accountant to review the books at year end.
Look at how it connects to your bank and who else can see your data. HelloBooks connects US banks read-only through Plaid, so it can read transactions but cannot move money, and the Free Plan runs on the same platform as the paid plans. The HelloBooks Trust Center explains the controls in detail.
On HelloBooks Free: up to 200 transactions per year, 1 live bank feed, 2 users, free AI credits to get started, and a “Powered by HelloBooks” badge on invoices. Data export, recurring invoices and multi-currency are on paid plans.
People search for this under many names: free bookkeeping software, a free accounting app, free small business accounting software. They all describe the same plan here. The bookkeeping (bank transactions, bills, reconciliation) and the accounting (P&L, balance sheet, cash flow) share one ledger, and the same books open in the web app and in the iOS and Android accounting app.
Upgrade when you need more bank feeds, more users, more AI, or more than 200 transactions per year. Starter is $14.99/mo per entity with the same 200 annual transaction cap, up to 5 users and 3 bank connections. Pro is $39.99/mo per entity with unlimited users, unlimited bank connections and multi-currency. Your ledger and history carry over unchanged.
“AI categorizes every transaction automatically and learns from your corrections, so a small team keeps clean books without spending evenings on manual data entry.”
“For a practice managing dozens of client books, automated reconciliation turns a full day of matching into a background task — review the AI matches, approve, and move on.”
“Snap a receipt on your phone and the AI reads, categorizes, and files it — bookkeeping stays current even for people who would rather not think about numbers.”
Illustrative scenarios describing what the product does for each business type — not attributed customer reviews.
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Every plan side by side, from Free to Scale.
Every US free tier side by side, dated and sourced.
Two free plans, and where each one stops.
Two free plans compared, feature by feature.
Free and paid tiers compared for US small businesses.
Pricing and limits for freelancers and service firms.
Free books for freelancers and 1099 contractors.
Free GST filing for Indian small businesses.
GST/HST and QST on the Free Plan for Canadian small businesses.
Two free UK ledgers, and what each charges once you pass its free tier.
Two free UK ledgers — one built for MTD filing, one for AI and operations.
Bokio UK closed on 7 July 2026 — where to move a free set of books.
QuickBooks, Wave, Zoho Books and Xero are trademarks of their respective owners. HelloBooks is not affiliated with or endorsed by them.
up to 200 transactions per year, no credit card. Plan details checked on 29 September 2026.