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Best Small Business Accounting Software Without Subscription

This accounting software for your small business is download-able at no charge. It eliminates the need for a long term system solution company overhead expense. The software was designed for non-accountants by a retired CPA. Key features include: Invoicing

Looking for accounting software you can use without a subscription? Xero is an online accounting program for small business owners, accountants and bookkeepers. It’s easy to use, and makes tax time easier on your business. There is no denying that accounting software for small businesses is expensive. In the past, you would have to pay a pretty penny and pay a subscription to use these programs. Thankfully, that has changed drastically over the years and you can now enjoy these features on your own computer without ever paying for an expensive storage program.


Rossum dashboard

Rossum is a powerful cloud-based platform designed to streamlines account payable processes from importing documents, collecting and capturing data, purchase order matching, to invoice processing. This software’s system is powered by a self-learning AI engine that automates various critical processes, thus reducing manual efforts and human error.

As an intelligent cloud-based platform, Rossum addresses the downsides of traditional OCR systems. By connecting Rossum to your document sources (i.e., document scanners, DMS systems, API, RPA, and email inboxes), it automatically imports all documents into the Rossum system. Its AI-powered engine also recognizes different document formats and layouts, thus there is no need to set up or create templates for documents and invoices. Furthermore, Rossum identifies duplicates, merged files, and auxiliary data and handles them accordingly to remove all unnecessary information and maintain a clean and organized curated feed of transactional data.

Try out Rossum with their free trialVISIT WEBSITEFREE TRIAL

Another advantage Rossum has over other similar systems is its ability to incorporate the changes, customizations, and corrections set by the user. This is helpful when more data that the system was not set to detect before suddenly get added to the information that needs to be extracted from an invoice. All the user needs to do is check the imported invoice and customize the fields that need to be validated and the system will then apply the changes moving forward. Moreover, you can extend Rossum’s functionality by integrating it with your existing systems, such as ERPs and RPAs.


plooto dashboard

Plooto is an innovative payment processing system designed to automate the Accounting Payable (AP) and the Account Receivable (AR) process. The platform enables accountants, bookkeepers, and businesses to expedite payment approvals and the way they get paid. It offers a comprehensive suite of features including powerful approval workflows, customizable approval tiers, automatic accounting reconciliation, and pre-authorized debit agreement.

Plooto untethers you from the approval tasks that can easily be delegated to your staff without compromising control. For example, you can stipulate approval tiers (based on the bill amount) and assign approval roles to your accountant or the office manager. This way, when bills are logged, an email notification is sent to the relevant person(s) to nudge them to approve payments. Then, Plooto reconciles your books instantly and retains an audit trail of who approved what, and when. The vendor offers a comprehensive free trial to get you up to speed with the features.

Try out Plooto with their free trialVISIT WEBSITEFREE TRIAL

On the other hand, Plooto provides the tools you need to smoothen out the way you receive payments. For merchants or property managers, the Pre-Authorized Debit (PAD) agreement is the best bet to put your AR process on autopilot. Once you sign the PAD with your client(s), funds are automatically withdrawn from the client’s account every time you ship an order or when rent is due. dashboard

If you’re running a small or medium-sized business, then is a perfect option as it offers an end-to-end solution for automating your company payments. Even large financial institutions like accounting firms, banks, and wealth management organizations utilize it to serve their clients.

It is designed to digitize and automate the accounts payable and receivable operations. is an AI-enabled financial platform that can be used to collect invoices, authorize payments, manage cash inflows and outflows, and monitor back-office financial processes.

The platform significantly reduces manual data entry, which significantly improves efficiency and accuracy. Customers claim that allowed them to save as much as 50% of the time they usually spend on accounting processes. And, they are also paid twice as fast. is a great tool for small businesses, especially those with multiple employees who need to be able to pay their bills on time. allows you to manage your finances in one place. It’s a cloud-based system that can be accessed from anywhere, and it helps you organize your finances by providing tools for managing accounts receivable and accounts payable. It also lets you see how much money you have coming in each month so you can make sure you’re paying the right amount on time without having to worry about late fees or penalties.

The best part about is that it’s affordable! You don’t have to pay monthly fees, which means that as long as you keep using the service, it stays free for life (or at least until someone invents teleportation). You can also upgrade your account at any time if needed, but there’s no pressure to do so—it’s all up to you!

Here’s a few things to get you started using

First, log in! Use your email address and password to login and check out your dashboard. You’ll see all of your bills and payees listed on the left side of the screen, and all of your transactions will appear on the right side. If you click on a transaction, it will show you the details of that transaction in an expanded view.

You can also use the search bar at the top of the page to find a specific bill or transaction.

If you want to pay a bill from another person’s account (like a loan or credit card), just select “Transfer” from that person’s name in your dashboard and follow the prompts for making an electronic payment from their bank account or card number.

sage One

10 best accounting software tools

sage One is a cloud accounting and invoicing software for small business owners, as well as for accountants and bookkeepers.

Sage One is a great way to keep track of your finances and to stay on top of your spending. It’s a free app that works with your bank, so you can add all of your transactions right in the app. You can even set a budget for yourself and see how much you’re over or under.

It’s also great if you have multiple accounts—you can add them all and see how they’re doing together. Sage One will show you any fees or interest rates, too, so you know what’s coming out of each account every month.

If you get an alert that one of your accounts has been overdrawn, it will tell you exactly which one has charged it and why—so you can take action right away if needed!

Use it to:

  • Connect your bank and all data will be added automatically, so you can see it at a glance
  • Keep track of all your quotes, estimates, invoices, and statements
  • See how much you’re owed and keep track of any overdue payments from clients
  • Calculate and submit your VAT returns easily
  • Cashflow forecasts to help you estimate future earnings for your business
  • Keep a record of all your inventory
  • Reporting for your profits and losses, balance sheets and other useful reports

Plus, you can add multiple users to your account to collaborate, as well as your accountant.

Zoho Books

10 best accounting software tools

Zoho Books is a cloud-based accounting software that helps you manage your finances. You can use it to track your income and expenses, create invoices, and more.

Zoho Books allows you to create an unlimited number of companies and accounts, so you can manage all aspects of your business from one place. You can also add employees and contractors to your company, set up recurring billing for clients, and track time spent working on each project.

Zoho have an impressive selection of tools for business owners, including Zoho Books – an online accounting software for small business owners who want to grow.

Some of its best features include:

  • Easy invoicing – you can send your invoices to clients more easily, so you can get paid as soon as possible
  • Keep track of all your expenses, as well as organise them with categories
  • Monitor bank transactions and get real-time updates on your cash flow by connecting your bank account
  • Enable inventory tracking to make sure you’re on top of the ins and outs of your business goods
  • Reporting features for your finances: P&L, balance sheet, and cash flow statement
  • Use the client portal to collaborate with customers for estimate approvals, accepting bulk payments, and even for getting customer feedback

Zoho Books also integrates with other Zoho tools (CRM, Zoho Expense, Zoho Subscriptions, and so on), as well as with tools like PayPal and Stripe Payment.


10 best accounting software tools

FreeAgent is an accounting software designed with small businesses in mind; basically, all the features you need to keep track of your finances, more easily:

  • Easily send estimates and invoices to clients and avoid late payments
  • Upload photos of all your receipts for easy bookkeeping of your business expenses
  • Connect your bank account so you can see all of your transactions on the dashboard, in real time
  • Monitor your cash flow using the main dashboard and see exactly when you need to pay any tax bills
  • Time tracking – see exactly how much time you’re spending
  • You can fill and file your Self Assessment tax return using the FreeAgent app
  • Get forecasts for your Corporation Tax
  • Automatically generated VAT returns that you can file more easily

 Intuit QuickBooks Online

Small Business Accounting Software Intuit Quickbooks onlinePricing: Starts at $12.50/month

Intuit Quickbooks might be the first resource that comes to mind when you hear the term, “small business accounting software” — and for good reason. Beyond its first-rate suite of capabilities, the program sets itself apart with elements like receipt capture and 24/7 chat support.

It also features integrations with PayPal, Shopify, and Square. Taken together, those components — among several others — make Quickbooks a crowd-pleasing small business accounting software.

All plans allow you to track income and expenses, send invoices and receive payments, run reports, send estimates, track sales and taxes, and capture and organize receipts. More advanced plans allow you to track inventory, track time, and even run full-service payroll.

Best for Businesses Looking for a Tried-and-True Option

Intuit Quickbooks is one of the most (if not the most) prominent accounting software for small businesses. It’s been around long enough for you to have a solid idea of what you’re getting when you invest in it — an accessible, affordable, time-tested solution that can suit a company of virtually any size. If you’re looking for a safe choice that reconciles reliability with exceptional functionality, consider looking into Intuit Quickbooks. 


Small Business Accounting Software Freshbooks

Pricing: Starts at $4.50/month

FreshBooks is a straightforward solution that prides itself on making small business accounting more efficient. According to its website, FreshBooks’ software can help users save up to 46 hrs a year on filing for their taxes.

The platform integrates with many business applications and provides you with a single dashboard to manage your finances and accounting. Regular secure backups are included, and a mobile app allows you to keep track of your business at all times.

Best for Businesses That Send Out Recurring Invoices or Have Subscription Models

If you send out recurring invoices, need time tracking capability, or run a subscription model business, FreshBooks could be ideal for you. Its suite of resources lends itself to companies that fit that bill.

It even includes a feature that lets see the exact location a customer opened your invoice — letting you avoid those pesky “I never got it” excuses. With affordable plans to accommodate businesses of virtually every size, it’s definitely worth considering.


Easily calculate your accounts payable, receivables and income with this free small business accounting software. Manage your business finances in an easy way with this free accounting software.

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