Newer software for small business finance

Best for: bookkeepers who send clients a PDF report built from QuickBooks or Xero numbers.

For bookkeepers. It takes the numbers from QuickBooks or Xero, builds a PDF report from a template, and emails it to your client from your own Gmail or Outlook.

What's free: 3 clients, 50 PDFs and 5 sends a month, with profit and loss, balance sheet and receivables ageing. The PDFs carry a "Made with Streamline Reports" footer. Pro is $39 a month billed yearly or $49 monthly (currency not stated). It includes up to 15 active clients, then $3 per client a month.

Works in: any country where you use QuickBooks or Xero.

Before you start: it sends email from your account.



Country not stated on its site

Best for: bookkeepers who give advice, with packs carrying their own logo.

Connects to Xero. Its site also mentions QuickBooks and MYOB. Board and lender packs, a 13-week cash-flow forecast and a business health score. The Practice plan adds a client portfolio dashboard and your logo on all reports, for 4 to 15 businesses.

What's free: 1 business. Paid plans a month: Solo $59, Growth $149 (3 businesses), Practice $199 (4 to 15), Advisor $299 (unlimited). Currency not stated. There is a 48-hour trial.

Price conflict: its site starts paid plans at Solo $59 a month, but its Xero App Store listing says paid tiers start from $49. We don't know which is current.

Reviews: 1 so far. On the Xero App Store since August 2026, where it shows 5.0 from 1 review, undated (as of 2 Nov 2026). The site names no company or founder.

United Kingdom, as shown on its Xero App Store listing · Beanieverse named as the company

Best for: UK bookkeepers who want plain-English packs from Xero data.

Turns Xero data into management packs and forecasts in plain English, with AI-written suggestions. It syncs your chart of accounts, tracking categories, transactions, contacts, reports and budgets. Reports can be run on demand or scheduled to staff or clients. The listing doesn't mention white-label branding.

What it costs: price not stated on its listing.

Reviews: none yet. On the Xero App Store since March 2026.

Country not stated on its site

Best for: people who want Xero Projects, Payroll or Practice Manager data in Power BI or Excel.

Copies your Xero data into a managed data warehouse. Its Xero App Store listing says it connects Xero, Xero Projects, Xero Payroll and Xero Practice Manager. It sends the data to Power BI, Excel, Tableau, Google Sheets and others, and its site says it connects 70+ cloud services. You pick how often it syncs: on demand, weekly, daily, or every 15 minutes. Xero Projects data may help with margin by job.

What it costs: US$10 a month base, plus sync: on demand US$49, weekly US$99, daily US$149, or every 15 minutes US$299 a month (ex tax).

Reviews: Xero App Store, 5.0 from 1 review (Dec 2022).

Best for: owners with more than one company who want one group profit and loss and balance sheet.

For owners with more than one company. It adds up your Xero or QuickBooks Online files into one group profit and loss and balance sheet, shows who owes the group and whom the group owes, shows cash across all companies, and finds intercompany amounts that don't match.

What's free: up to 4 companies connected, no card. Pro is A$99 / £49 / US$65 a month billed yearly, and report exports are a Pro feature.

Works in: Australia, NZ, UK, US, Canada and other countries.

Australia · Brisbane

Best for: clients with several Xero entities, or who want their reports in Power BI or Excel.

Copies your Xero organisations into one database. It gives you management reports and board packs that refresh themselves, with consolidation and eliminations. Group reports have inter-company items taken out and other currencies converted. Reports run in Excel, Power BI, Google Sheets or Looker Studio.

Every plan includes unlimited users and reports, and AI Connect, which links your data to Claude, ChatGPT or Copilot.

What it costs: from A$80 a month, priced per Xero entity ($130 a month for 5 on its price calculator, currency not stated, 24 Oct 2026).

White-label: no white-label plan. Its site states no white-label or accountant plan and no per-client pricing. It says it is built for finance teams and BI developers.

It lists 160+ other connectors, including QuickBooks Online, Shopify, Stripe and HubSpot. Data syncing for these is a separate plan, $295 a month for one system on its price calculator (currency not stated).

Reviews: rated 5.0 from 93 reviews on the Xero App Store (as of 12 Oct 2026).

Australia · Compass Forecasting Pty Ltd

Best for: people who want their Xero numbers in Google Sheets.

Its site says “Automate your 3-way cash flow models, budgets, and scenarios in minutes”. It links your profit, balance sheet and cash flow in one Google Sheet, with best, base and worst-case scenarios and loan schedules.

Xero only for now. QuickBooks and MYOB are on their roadmap.

What it costs: A$45 a month or A$180 a year (US$30 or US$120).

Best for: charts and plain reports.

Its site says “Connects to your accounting software and brings your numbers to life”. It gives you revenue, expenses, profit and cash flow reports, budget against actual, and a scenario calculator.

Built by “business owners & chartered accountants”, per their site.

What it costs: US$49 a month.

Australia · South Melbourne

Best for: people who want Xero numbers in Excel.

Its site says “Connects Microsoft Excel to Xero in 8 clicks”. It pulls trial balance, profit and loss, balance sheet and transactions into Excel. Founded by a chartered accountant, per their site.

Excel versions (Windows, Mac, web) not stated.

What it costs: AUD 70 a month or AUD 170 a month.

Best for: a forecast built from your Xero transactions.

Revenue, expense and cash flow forecasts, with custom assumptions. It reads your Xero data daily and doesn't write anything back. On the Xero App Store since July 2019.

What it costs: price not stated.

Best for: trades, construction and professional services.

Cash flow and sales forecasts from your Xero invoices, bills and bank transactions. Unlimited scenarios; it combines several entities and converts currencies. On the Xero App Store since April 2016.

What it costs: price not stated.

Best for: retail, wholesale, e-commerce and small warehouses.

Its site says “Free Universal Warehouse & Inventory Management System”. It handles SKUs and barcodes, multiple warehouses, purchase orders and receiving. It comes as a web app, a browser extension and an Android app, plus a free spreadsheet template.

The Chrome extension keeps your data on your device. The web app is hosted by the maker.

What's free: all of it. The price is listed as Free.

US · San Francisco

Best for: Shopify stores, including those leaving Stocky.

Its listing says “Move from Stocky in minutes. Count stock, forecast demand, and reorder with purchase orders.” You get low-stock emails and days-of-stock left. It imports suppliers and purchase orders from Stocky by CSV.

What's free: up to 5 purchase orders a month. Paid plans are US$19 and US$49 a month (Shopify bills in US$). Forecasting, PDF purchase orders and barcode scanning come with the US$49 plan.

US · McKinney, TX

Best for: Shopify stores that need purchase orders and forecasting.

Its site says “Shopify Inventory Planner & Purchase Orders”. It does demand forecasting and automated purchase orders, with a supplier portal for shipment tracking. It also gives cash-flow projections and connects to QuickBooks Online.

What's free: a free plan. Paid plans start from US$49 a month.

US · Real Operations, LLC

Best for: cafés, food trucks, retail, gyms, salons and multi-location businesses.

Its site says “Weekly inventory counts that turn into vendor-ready orders”. You count with your phone camera or a Bluetooth scanner, and it works offline. It works out par levels and drafts the order email to your supplier. It imports your existing spreadsheet and needs no POS integration.

What it costs: Starter is US$19 a month (1 location, up to 500 SKUs). Bigger plans go up to US$499 a month.

Best for: small and growing businesses that have outgrown basic tools.

Its site says “Simplify your inventory management and keep every item under control”. It handles multiple locations, purchase orders, and sales orders with shipping. You can pick, receive, transfer and adjust stock from your phone or tablet (Android app, or in the browser). For manufacturing it has bills of materials, work orders and serial numbers. It connects to Shopify, QuickBooks Online and BigCommerce.

What it costs: from US$29 a month.

Country not stated on its site · Bookkeep

Best for: sellers on Square, Stripe, Clover, Toast, PayPal, Shopify, Amazon, eBay and more.

Posts one summary journal entry a day: gross sales, discounts, refunds, tax, tips, gift cards and the total by payment type. It posts into QuickBooks Online, Xero or Zoho Books; the higher tiers add NetSuite and Sage Intacct.

Its site prices in US dollars and Canadian dollars only, and says to ask about other countries.

What it costs: US$19 a month (Lite) to US$1,199 a month (Unlimited), per entity.

Reviews: on the Xero App Store (Canada) since October 2021, rated 5.0 from 3 there (as of 13 Oct 2026).

United Kingdom · PDLC Tech Ltd

Best for: sellers on Amazon, eBay, Etsy, Shopify, Walmart, TikTok Shop, WooCommerce, Square and Temu.

Posts into Xero and QuickBooks Online. Its page says “automatically”, and doesn't say whether that is a summary or one record per order.

Its own price slider showed only £0 when we looked, so the prices below come from its Xero Australia listing.

What it costs: A$50 a month (500 orders) to A$199 a month (10K orders), ex tax.

Reviews: on the Xero App Store since March 2019, rated 4.99 from 612 there (as of 13 Oct 2026).

Country not stated on its site

Best for: Amazon, eBay, Shopify, Walmart and Etsy sellers.

Posts into QuickBooks Online, Xero and Wave. QuickBooks Online gets sales invoices (its inventory sync is marked beta). Xero gets a summarised invoice by SKU.

Plans move up a tier automatically if you pass your order cap. You can switch that off. Full refund within 7 days of the first charge.

What it costs: prices in US dollars. Starter is US$16 a month billed yearly (up to 200 orders), and US$49 a month at up to 5,000 orders.

Reviews: on the Xero App Store since 2019, rated 5.0 from 88 there (as of 13 Oct 2026).

Country not stated on its site

Best for: Xero users whose software exports a file but has no Xero link.

You email a CSV, Excel, PDF, XML or JSON file to a dedicated address. A “reader” built for that file's layout posts it into Xero. It posts journals, bank transactions, bills or invoices. Bank statements go in as OFX files. Xero only.

Complex setups may cost more.

What it costs: US$29 a month (30 documents) to US$149 a month (500 documents), ex tax, plus a one-time US$99 setup fee per reader.

Thin evidence: 10 reviews on the Xero App Store (5.0, as of 13 Oct 2026), all 5-star and none dated. On the Xero App Store since November 2022. Its site names no company, founder or country.

Best for: UK small businesses that want free invoices with a Stripe "Pay Now" button, plus expense tracking.

Invoices with a Stripe "Pay Now" button, expense tracking with receipt photos, automatic reminders and CSV or Excel export.

What's free: the Foundation plan, "£0/forever": unlimited invoices, expenses and clients. The Business plan (£120 a year) adds P&L reports, VAT-compliant invoices and recurring invoices. Card payments through its Stripe link cost 0.5% (min £1, max £20) plus Stripe's fee.

Works in: UK.

Company formed: September 2026. The product has been on sale since at least September 2025 (Product Hunt launch in Sep 2025, version 2.0 in Jun 2026).

Reviews: Trustpilot 4.0 from 3 reviews (Jun to Jul 2026), all 5-star.

Best for: trades who send a quote from the job site.

Built for trades. Send a quote from the job site; the customer accepts it online without an app or an account. You get an alert when the quote is opened and when it is accepted, and you can add photos.

What's free: quotes and invoices with no monthly limit, plus job and customer records. Plus costs £10 a month (UK pounds) and adds quote drafting from a voice note, customer messaging on quotes and priority email support. The maker lists Pro (£20 a month) and Team (£40 a month) as planned, not yet on sale.

Works in: built in the UK. The site doesn't list currencies.



Australia · Byron Bay, NSW (also has NZ and US pages)

Best for: tradies, contractors and small service businesses.

Talk for about 30 seconds and get a priced, itemised quote or invoice. It works as voice-to-quote on your phone, so you can quote on site, and it syncs with Xero and QuickBooks.

Its privacy policy says voice recordings aren't kept permanently and your business data isn't sold or used to train AI.

What's free: free to download, with a free tier of 5 quotes or invoices a month. In-app purchases cost extra (prices not published).

Best for: people with a bank statement as a PDF, CSV, QIF or OFX file who need a file for QuickBooks or other software.

Turns a PDF, CSV, QIF or OFX statement into a .qbo, .ofx or CSV file for QuickBooks and other software.

What's free: the whole tool, no sign-up, up to 5 files (10 MB) at a time. PDFs have a daily limit. CSV, QIF and OFX files are converted in your browser; PDFs go to Founderpath's server.

Works in: any country.

Founderpath is a US lender, and the page also advertises its loans.

Best for: Xero or QuickBooks Online users with a PDF bank statement to turn into a CSV.

Upload a PDF bank statement and download it as Excel, CSV, a Xero CSV, a QuickBooks Online CSV, QIF or OFX. Then import that file into your accounting software.

What's free: conversions of up to 10 pages, no sign-up, "while we're in early access". Text PDFs are converted in your browser. For scanned PDFs it asks first, then reads them on its server and deletes them.

Works in: any country.

Its privacy policy says the site uses Google Analytics and Microsoft Clarity.



Best for: Xero users who want statement lines sent into a Xero bank account, ready to reconcile.

Upload a PDF, CSV or Excel statement, check the lines on screen, then send them into your Xero bank account as feed lines ready to reconcile. You can also download a Xero CSV instead.

What's free: one complete statement per bank account, no card. After that, from £19 / A$29 / NZ$32 / US$25 a month.

Works in: UK, Australia, NZ and US (Xero users).

Before you start: it connects to your Xero organisation. It checks for duplicates only against lines you sent through StatementClear.



Best for: anyone about to import a CSV file who wants to check the dates, numbers and duplicate rows first.

Checks a CSV file before you import it: dates, numbers, empty cells, required columns, duplicate rows and missing dates in a series. You fix the cells on screen and download the clean file.

What's free: the whole tool. It runs in your browser, and the file stays on your computer.

Works in: any country. You set the rules for each column yourself; it doesn't know the Xero or QuickBooks import layouts.

Best for: people who prepare invoices, bills and contacts in Google Sheets and send them to Xero or QuickBooks Online.

Google Sheets add-ons. They build a sheet with drop-down lists from your own accounts, tax rates and contacts, check every row against your live Xero or QuickBooks Online file, and mark each error on the cell. Then they send only the rows that passed. Xero: invoices, bills, contacts. QuickBooks Online: invoices, bills, customers.

What's free: the row checks, every time, plus 20 rows sent to your books each month. In the Xero add-on that is 20 rows per user per month. Pro is US$20 a month per Xero organisation. In the QuickBooks add-on Pro is US$20 a month or US$200 a year per company.

Works in: any country where you use Xero or QuickBooks Online.

Reviews: none yet on either Google Workspace listing.

Before you start: it can write to your books. Check the permissions Xero or QuickBooks shows you when you connect.

Country not stated on its site (Akika Labs, Inc.)

Best for: QuickBooks Online users importing or copying records.

Imports products and services, customers, vendors, invoices and more, with a preview. You see each record as QuickBooks will see it, and nothing is written until you approve. Undo restores from the saved state before the import.

What it costs: US$9.99 per company a month.

Country not stated on its site (Comtek Accounts Ltd; prices in £)

Best for: Xero users who are comfortable in Excel on Windows.

A Windows Excel add-in for your Xero items. Pull your items into Excel, edit them, and post them back. Only the changed rows are updated, and it highlights invalid codes before posting.

What it costs: from £29.95 + VAT a month.

Country not stated on its site (serves the US, Australia and New Zealand)

Best for: owners moving into Xero in the US, Australia or New Zealand.

Xero's conversion partner. Converts MYOB, QuickBooks Online, QuickBooks Desktop and Enterprise (US) and Reckon (AU) into Xero.

What's free: the US Standard package is $0, fully subsidised by Xero. It covers the current and previous financial year, with up to 2 more years at $150 each. The US Accelerate package is $470 after Xero's subsidy, with 3 previous years and phone support before the move. Prices show a $ sign only (currency not stated).

Before you start: bank rules and tracking or class balances don't come across. Its pricing page showed no end date for the Xero-paid standard conversion on 19 Oct 2026, so check it is still on before you book.

Country not stated on its site (US businesses only)

Best for: US businesses moving from QuickBooks Online into Xero.

Converts QuickBooks Online into Xero only. It doesn't move projects, tracked inventory, recurring schedules, files, bank rules or tax settings.

What's free: simple conversions, which Xero pays for. Complex ones may cost extra.

Country not stated on its site. Offices in Melbourne, London, Chicago, Dubai and Indore

Best for: anyone moving between many systems, worldwide.

Converts many systems into Xero, QuickBooks Online, FreeAgent, Zoho Books and more.

What it costs: from A$399 for software other than QuickBooks Online, MYOB or Reckon, with extra years from A$85. From A$99 for QuickBooks Online, MYOB or Reckon into Xero.

Best for: one person who wants full accounting software on their own computer, working offline.

Full accounting software that you install on your own computer: invoices, bills, bank accounts and reports. It works without an internet connection.

What's free: the desktop edition, with every feature. The maker says there are "no time limits, no usage limits, no ads". It is for one user. Multi-user or online access needs the paid Cloud Edition.

Works in: any country, on Windows, Mac or Linux. Australian files get a built-in BAS report; elsewhere you set up your own tax codes.

US · built for US tax

Best for: freelancers and 1–10 person businesses.

AI bookkeeping that sorts your transactions and finds tax deductions. It categorises your bank transactions, scans receipts, sends invoices and shows a profit and loss.

It connects to your bank read-only through Plaid; the builder says it never stores your bank login. Built by a named CPA (co-founder and CEO Ahad Ali), with a 30-day money-back guarantee.

What's free: up to US$15K of expenses a year. Paid plans start from US$30 a month (half price for the first 3 months; 20% off if you pay yearly).

Country not stated on its site (examples use US banks and a $ sign)

Best for: small businesses, plus accountants and bookkeepers.

Bookkeeping, invoices and reports, with an AI assistant you can ask questions. It categorises bank transactions, sends invoices with online card or bank payment (through Stripe), and shows a profit and loss, balance sheet and cash flow. It connects banks and cards through Plaid. The AI assistant answers questions in plain English.

What's free: the free plan, no card: 50 transactions, 5 invoices and 5 journal entries a month, and no online payment on invoices. Basic is $25 a month and Business is $100 a month (currency not stated). Invoice payments cost 2.9% + $0.30 by card, or 0.8% by bank transfer (max $20).

Not stated on its site: inventory/COGS, where it is based and whether the AI is read-only.

US · San Francisco · founder Alex Campbell

Best for: small businesses that want accounting run with an AI agent.

A newer all-in-one option, with an AI agent you teach. It does small-business accounting in the browser and on iPhone. It imports fully from Wave. For QuickBooks and Xero it says “the agent guides your changeover”; it doesn't mention a direct Desktop import.

What's free: the Personal plan, no card needed. Business plans have a 14-day free trial. Pro is US$20 per business a month for the first 6 months (a promotion that ends 31 December), then US$40, and includes multi-currency.

US only · built for US tax

Best for: US sole traders and LLC owners who file a Schedule C.

AI bookkeeping and tax prep, run over WhatsApp or iMessage. For US Schedule C filers only. If you're outside the US, it isn't for you. CPA review and tax filing are included, and it connects to your bank through Plaid.

The builder says it is SOC 2 Type II audited. We haven't seen the report.

What it costs: US$50 a month (US$390 a year).

Australian-hosted, AU and NZ compliance built in (head office not stated)

Best for: service businesses, software companies, accounting firms and groups of companies.

One system for the whole business, books included. CRM, quotes to invoices, jobs and timesheets, bank reconciliation, AU/NZ payroll, GST/VAT returns and a helpdesk in one place. It runs several companies together, with consolidated reports across AU, NZ, US and UK entities, and can sit beside Xero (read-only sync).

The AI drafts, flags and proposes. The site says its money and compliance proposals wait for a person.

What it costs: price on request, in A$, excluding GST. It prices by number of companies.

Best for: owners whose invoices and receipts arrive in an email inbox.

Collects the invoices and receipts that arrive in your email and keeps them in one place for your bookkeeping.

What's free: up to 10 invoices a month, with no end date. Paid plans start at A$19 a month.

Works in: any country.

Before you start: it reads your email inbox.

Best for: people who want receipts from phone photos to land in their own Google Sheet.

A phone app. Take a photo of a receipt; it reads the vendor, date, total and tax and adds a row to your own Google Sheet. The photo is saved in your Google Drive.

What's free: a number of scans each month (the maker hasn't put the limit on its site). Premium is US$9.99 a month.

Works in: any country, on iPhone and Android.

Company: Sheetify Limited, London.

Reviews: US App Store 4.3 from 19 ratings (the UK App Store shows 5.0 from 4). None found anywhere else yet.

Built from Malaysia, France and Italy (per its site)

Best for: small businesses with a lot of emailed receipts.

Finds the receipts in your email. It pulls the details out of each receipt, categorises it and sends it to Xero or QuickBooks.

What it costs: from US$29 a month.

Before you start: it reads your email inbox to do this. It connects to Gmail, Outlook, Yahoo and others. The builder says it saves only message IDs and none of your email content, and that Google has validated its security (CASA Tier 2). We can't confirm that.

Fill in a web form with your details, the customer and the line items, then download the invoice as a PDF. You pick the currency, and tax can be a percentage or a flat amount.

What's free: unlimited invoices with no sign-up. The site shows ads.

Works in: any country.

Send invoices with your logo and take card payments, deposits and part-payments online. It also tracks expenses and sends recurring invoices.

What's free: up to 5 clients, unlimited invoices, 11 invoice templates, no card. The invoices carry Invoice Ninja branding. Pro costs $14 a month (currency not stated).

Works in: any country.

Write a quote, and when the customer approves it, turn it into an invoice. It sends payment reminders, and customers can approve quotes and pay in a client portal.

What's free: the whole product. The Australian pricing page lists 2 users, 3 projects and 500 invoices a year.

Works in: Australia, UK, US, Canada, NZ and other countries (regional editions).

Enter the invoice amount including VAT, the date the customer received it, your payment terms and the payment date. It shows the days overdue, the interest you can charge (8% plus the Bank of England base rate) and the fixed compensation.

What's free: the calculator. No login.

Works in: UK.

An Excel file with one column per month: opening balance, cash in, cash out, closing balance. Type in last month's real figures, or your estimates for the next 12 months to make a forecast.

What's free: the download.

Works in: made for Australia (it has GST notes). The Excel file works anywhere.

The Cash Flow Statement template has a 12-month sheet for monthly cash in and out, actual or projected. The 12-Month Business Budget template splits sales and costs by month, with a sheet for cost of goods.

What's free: both downloads, for Excel or Google Sheets. The licence is for your own use (you can't resell or share the file).

Works in: any country.

Accounting software with invoices, expenses, bank statement import, bank rules and reconciliation. In Australia it tracks GST and prepares the BAS. In the UK it files MTD VAT returns.

What's free: 1 user plus your accountant, 1,000 invoices and 1,000 expenses a year, 50 receipt scans a month. In Australia the free plan is for revenue under A$50,000 a year; in the US, under US$50,000. Automatic bank feeds are on the paid plans.

Works in: Australia, UK, US; other countries have their own editions.

Accounting and invoicing: unlimited estimates, invoices, bills and bookkeeping records, and invoices from your phone.

What's free: the Starter plan. Automatic bank import is on Pro (US$19 a month). Unlimited receipt capture is a paid add-on on both plans (US$11 a month on Starter, US$8 on Pro). Card payments cost 2.9% + $0.60 each.

Works in: US and Canada.

Posts your Square sales (and other sales channels) into Xero or QuickBooks Online as one summary invoice a day, with the fees recorded separately.

What's free: up to 60 orders a month from one sales channel and one store. Paid plans start at US$18 a month (billed yearly).

Works in: Australia, NZ, UK, US and other countries where Xero or QuickBooks Online runs.

Before you start: it writes invoices into your books.

Build charts and dashboards on your own computer from Excel or CSV exports of your accounting data.

What's free: building and viewing reports on your own computer. Sharing them online needs Power BI Pro (US$14 per user a month, paid yearly).

Works in: any country.

Adds 10% GST to a price, or works out how much GST is inside a GST-inclusive price. For taxable sales only.

What's free: the calculator.

Works in: Australia.

Pick a province and enter a price to get the GST/HST, any provincial sales tax and the total. Or enter the total to get the price before tax. A table of rates by province is on the same page.

What's free: the calculator.

Works in: Canada.