Free AI Bookkeeping Software, Honestly | HelloBooks HelloBooks Free includes free AI credits to get started. When they run out, upgrade for more or keep going by hand; the books never lock. $0, no card.
Free AI bookkeeping software, free accounting software with AI, AI bookkeeping free plan, for US small businesses.
HelloBooks Free is $0/mo with unlimited invoices, bills and quotes and no credit card. It also includes free AI credits to get started, and this page explains exactly what happens after they are used.
Free Plan with unlimited invoices, bills & quotes — no credit card.
Transactions from your live bank feed are read by the AI, which suggests a category from an IRS-aligned chart of accounts and matches deposits to open invoices. You can review and change any of it. Free includes free AI credits to get started for this work.
You choose one of two things, and neither locks you out:
Every AI action costs us money to run; keeping a ledger does not. So Free caps the AI and leaves invoices, bills, quotes and reports unlimited. Other free plans tend to do the reverse and cap invoices or leave out the bank feed.
Free includes 1 live bank feed, 2 users and free AI credits to get started. Data export, recurring invoices and multi-currency are on paid plans, and invoices sent from Free carry a small “Powered by HelloBooks” badge. Starter is $14.99/mo; Pro is $39.99/mo.
“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.
Everything the Free Plan includes, and its limits.
How the AI bookkeeper works on every plan.
Paid plans and AI credit packs.
A live Plaid feed on the $0 plan.
Every US free tier side by side.
Free Plan with full access to the AI accountant — no credit card, no time limit.