App Name,Free Option,Best For,Starting Price,Key Strengths,Main Limitations
QuickBooks Online,30-day trial only,"All-in-one, scalable businesses",$20/month,"Most comprehensive, best support","Higher cost, can be complex"
Xero,30-day trial only,"Collaboration, startups",$15/month,"Unlimited users, great UI",No phone support on basic plan
FreshBooks,30-day trial only,"Freelancers, service businesses",$17/month,"Easiest to use, great invoicing",Limited advanced features
Zoho Books,Forever free plan,"Small businesses, automation",Free/$15/month,"Best free plan, good automation",Fewer integrations than competitors
Wave,Core features free,Budget-conscious beginners,Free,Completely free core features,Limited advanced reporting
Empower,Investment tools free,Investment/retirement planning,Free/0.89% AUM,Excellent wealth tracking,Focuses on investments mainly
Credit Karma,Fully free,"Basic budgeting, credit tracking",Free,Free credit monitoring,"Basic features, ad-supported"
YNAB,34-day trial,Serious budgeters,$14.99/month,Teaches budgeting discipline,Requires time investment to learn
Bill.com,No free plan,"Invoice automation, AP/AR",$45/month per user,Advanced payment automation,Expensive for small businesses
Expensify,Limited free tier,"Teams, expense management",$5/month per user,Superior expense management,Not full accounting solution