Which accounting software has the most native integrations?
QuickBooks Online has the largest native integration library in the category at 750+, followed by Xero (283+, estimated) and FreshBooks (158). Zoho Books has 38 confirmed native integrations but a much broader ecosystem via Zoho One (CRM, Inventory, Expense, Payroll). Wave has zero native integrations — every connection requires Zapier, which itself needs the paid Pro plan.
Which accounting software has a free plan?
Two of the five have a free option in their core reviewed lineup: Wave and Zoho Books. QuickBooks Online's core plans (Simple Start and above) have no free tier. Intuit also offers QuickBooks Free, but it is capped at 2 invoices a month, 1 user and 1 bank connection with no accountant access, so DDR treats it as a starter option, not one of the plans compared here. FreshBooks and Xero have no free tier at all. Between Wave and Zoho Books: Zoho Books' free tier is capped at $50K in annual revenue and 1,000 invoices per year, but includes a seat for your accountant at no extra cost. Wave's free Starter plan has no revenue cap and unlimited invoicing, but is single-user only — there's no accountant or collaborator access at all until you upgrade to Pro ($19/mo). Both require manual bank reconciliation on their free tier. If your revenue is comfortably under $50K and you want your accountant to have direct access at no cost, Zoho Books' free plan is the better fit. If you're sending a high volume of invoices or expect to grow past $50K, Wave's free plan is more durable long-term.
Which accounting software supports multi-currency?
Four of the five support multi-currency in some form, but only FreshBooks includes it on every plan (invoicing-level only, not deeper accounting-level foreign exchange reporting). QuickBooks Online (Essentials, $85/mo, and above), Xero (Established, $97/mo, only), and Zoho Books (Professional, $50/mo, and above) all gate multi-currency behind a mid-tier or higher plan. Wave has no multi-currency support at any price point.
What is the cheapest accounting software for a small business?
Wave and Zoho Books' free tiers are the cheapest options, with the revenue and feature caveats above. Among paid plans, Wave Pro ($19/mo) and Zoho Books Standard ($20/mo) are the least expensive entry points. FreshBooks' Lite plan ($23/mo) caps at 5 clients, making it impractical for most active businesses, and Xero's Early tier ($27/mo) caps invoices at 20 and bills at 5 a month.