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Free vs Paid Accounting Software: What Each Plan Adds | HelloBooks What HelloBooks Free includes, and what Starter, Pro and Business add on top, straight from the plan cards. Start at $0, no credit card.

Free vs paid accounting software, what do paid accounting plans add, HelloBooks Starter vs Pro vs Free, United States.

Pricing · Free vs paid

Free vs paid accounting software: what each plan adds

Free is a permanent plan at $0/mo, not a trial. The paid plans add users, bank connections, automation and export. Here is exactly what each one adds.

Free Plan with unlimited invoices, bills & quotes — no credit card.

What Free includes

Everything a small business needs to keep real books:

  • Unlimited invoices, bills and quotes
  • Unlimited email payment reminders
  • 1 live bank feed through Plaid, plus 2 manual bank or card accounts
  • 2 users
  • Free AI credits to get started (upgrade for more)
  • AP/AR aging, P&L, balance sheet and cash flow reports
  • iOS and Android app

What the paid plans add

Each list below comes straight from the plan cards on the pricing page.

Starter · $14.99/mo

  • Everything in Free, plus:
  • AI auto-categorization (95%+ accuracy)
  • Up to 5 users
  • 3 bank connections
  • Unlimited invoices, bills & quotes
  • AP/AR aging reports
  • P&L, Balance Sheet, Cash Flow
  • Export to Excel
  • Full mobile app (iOS & Android)

Pro · $39.99/mo

  • Everything in Starter, plus:
  • AI auto-categorization (95%+ accuracy)
  • Unlimited bank connections
  • Unlimited users + roles
  • AI Analysis & Comparative View on every report
  • Recurring invoices, bills & approvals
  • Multi-currency with auto FX
  • Remove "Powered by" badge
  • Priority email support

Business · $79.99/mo

  • Everything in Pro, plus:
  • Advanced inventory: lot/batch + multi-warehouse allocations
  • Cohort, retention & CFO analytics
  • Audit log + advanced role-based access
  • Sandbox environment
  • Multi-entity management
  • API access
  • Priority phone support
  • Dedicated success manager

How to decide

Stay on Free while one bank feed and 2 users cover you. Move to Starter ($14.99/mo) when you need more users, more bank connections or Excel export. Move to Pro ($39.99/mo) for recurring invoices, multi-currency or unlimited users. Your ledger carries over unchanged.

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.

How teams use HelloBooks

What HelloBooks does for businesses like yours

“AI categorizes every transaction automatically and learns from your corrections, so a small team keeps clean books without spending evenings on manual data entry.”
Small business · US
“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.”
Accounting practice · US
“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.”
Freelancer · mobile-first

Illustrative scenarios describing what the product does for each business type — not attributed customer reviews.

FAQ

Frequently asked questions

Is Free a trial?
No. Free is permanent, with no end date and no card.
What does Starter add?
More users and bank connections, and export to Excel. See the Starter card above.
What happens when my free AI credits run out?
Upgrade to get more AI credits, or keep categorizing by hand; paid plans can also top up with a credit pack. The books keep working.
Is it really free, and do I need a credit card?
Yes, it is a permanent $0 plan, not a trial. Sign up with an email; no card is collected and there is no end date.
What happens when the free AI credits run out?
Free includes free AI credits to get started. When they run out you can upgrade for more AI credits or keep categorizing by hand; paid plans can also top up with a credit pack. Invoices, bills, reports and your bank feed keep working either way.

Start automating your books today

Free Plan with full access to the AI accountant — no credit card, no time limit.

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    Free vs Paid Accounting Software: What Each Plan Adds | HelloBooks