--- title: "Best Free Bookkeeper Software Solutions 2026 | Capterra" description: "Find and compare the 2026 best free Bookkeeper software solutions, using our interactive tool to quickly narrow your choices based on businesses like yours." source_url: "https://www.capterra.com/bookkeeper-software/s/free/" page_type: "subcategory" language: "en" --- # Best Bookkeeper Software for free ## Top 8 free products, ranked by reviewer ratings ### Ranked free Bookkeeper products | Rank | Product | Overall rating | Category rating | Key attribute | Starting price | Key features | | --- | --- | --- | --- | --- | --- | --- | | 1 | [XYRA Books](https://www.capterra.com/p/10042428/XYRA-Books/) | 4.9 out of 5 (29 reviews) | 4.9 out of 5 (26 category reviews) | Highly rated for Value for Money | $13.34 Flat Rate, Per Month | Included: Accounts Payable, Accounts Receivable, Bank Reconciliation, Billing & Invoicing, Bookkeeping Services Integration, Expense Tracking, General Ledger, Payroll Management, Tax Management | | 2 | [MoneyMinder](https://www.capterra.com/p/147716/MoneyMinder/) | 4.9 out of 5 (122 reviews) | 4.9 out of 5 (18 category reviews) | Highly rated for Quality of Support | $299.00 Flat Rate, Per Year | Included: Accounts Payable, Accounts Receivable, Bank Reconciliation, Billing & Invoicing, Expense Tracking, General Ledger, Tax Management; Not included: Bookkeeping Services Integration, Payroll Management | | 3 | [Smart Clerk](https://www.capterra.com/p/10028695/Smart-Clerk/) | 4.9 out of 5 (26 reviews) | 4.9 out of 5 (12 category reviews) | Highly rated for Ease of Use | $29.00 Flat Rate, Per Month | Included: Accounts Payable, Accounts Receivable, Bank Reconciliation, Billing & Invoicing, Expense Tracking, General Ledger; Not included: Bookkeeping Services Integration, Payroll Management, Tax Management | | 4 | [FreeAgent](https://www.capterra.com/p/122008/FreeAgent/) | 4.5 out of 5 (179 reviews) | 4.8 out of 5 (11 category reviews) | Highly rated for Quality of Support | £10.00 Per User, Per Month | Included: Accounts Payable, Accounts Receivable, Bank Reconciliation, Billing & Invoicing, Expense Tracking, General Ledger, Payroll Management, Tax Management; Not included: Bookkeeping Services Integration | | 5 | [Veryfi](https://www.capterra.com/p/180429/Veryfi/) | 4.8 out of 5 (191 reviews) | 4.7 out of 5 (11 category reviews) | Highly rated for Ease of Use | $500.00 Usage Based, Per Month | Included: Accounts Payable, Accounts Receivable, Billing & Invoicing, Expense Tracking; Not included: Bank Reconciliation, Bookkeeping Services Integration, General Ledger, Payroll Management, Tax Management | | 6 | [BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/) | 4.7 out of 5 (440 reviews) | 4.6 out of 5 (23 category reviews) | Highly rated for Ease of Use | Contact vendor | Included: Bank Reconciliation, Expense Tracking, General Ledger, Tax Management; Not included: Accounts Payable, Accounts Receivable, Billing & Invoicing, Bookkeeping Services Integration, Payroll Management | | 7 | [Wave](https://www.capterra.com/p/178021/Wave-Apps/) | 4.4 out of 5 (1,732 reviews) | 4.4 out of 5 (102 category reviews) | Highly rated for Value for Money | $19.00 Flat Rate, Per Month | Included: Accounts Payable, Accounts Receivable, Bank Reconciliation, Billing & Invoicing, Expense Tracking, General Ledger, Payroll Management, Tax Management; Not included: Bookkeeping Services Integration | | 8 | [Melio](https://www.capterra.com/p/184673/Melio/) | 4.2 out of 5 (406 reviews) | 4.2 out of 5 (36 category reviews) | Highly rated for Ease of Use | $25.00 Per User, Per Month | Included: Accounts Payable, Accounts Receivable, Bank Reconciliation, Billing & Invoicing, Bookkeeping Services Integration, Expense Tracking, General Ledger; Not included: Payroll Management, Tax Management | Category rating: Rating from reviewers who used each product as Bookkeeper software, with the number of those reviews. Products are ranked by this rating, adjusted for how many reviews support it. For the complete directory, see [the full product list](#full-product-list). --- ## See top 8 product details ### 1. [XYRA Books](https://www.capterra.com/p/10042428/XYRA-Books/) Overall rating: 4.9 out of 5 (29 reviews) Category rating: 4.9 out of 5 (26 category reviews) Key attribute: Highly rated for Value for Money Starting price: $13.34 Flat Rate, Per Month Free trial: Available Free version: Available #### Features reviewers most value - Accounts Payable: Included - Accounts Receivable: Included - Bank Reconciliation: Included - Billing & Invoicing: Included - Bookkeeping Services Integration: Included - Expense Tracking: Included - General Ledger: Included - Payroll Management: Included - Tax Management: Included --- ### 2. [MoneyMinder](https://www.capterra.com/p/147716/MoneyMinder/) Overall rating: 4.9 out of 5 (122 reviews) Category rating: 4.9 out of 5 (18 category reviews) Key attribute: Highly rated for Quality of Support Starting price: $299.00 Flat Rate, Per Year Free trial: Available Free version: Available #### Features reviewers most value - Accounts Payable: Included - Accounts Receivable: Included - Bank Reconciliation: Included - Billing & Invoicing: Included - Bookkeeping Services Integration: Not included - Expense Tracking: Included - General Ledger: Included - Payroll Management: Not included - Tax Management: Included --- ### 3. [Smart Clerk](https://www.capterra.com/p/10028695/Smart-Clerk/) Overall rating: 4.9 out of 5 (26 reviews) Category rating: 4.9 out of 5 (12 category reviews) Key attribute: Highly rated for Ease of Use Starting price: $29.00 Flat Rate, Per Month Free trial: Available Free version: Available #### Features reviewers most value - Accounts Payable: Included - Accounts Receivable: Included - Bank Reconciliation: Included - Billing & Invoicing: Included - Bookkeeping Services Integration: Not included - Expense Tracking: Included - General Ledger: Included - Payroll Management: Not included - Tax Management: Not included --- ### 4. [FreeAgent](https://www.capterra.com/p/122008/FreeAgent/) Overall rating: 4.5 out of 5 (179 reviews) Category rating: 4.8 out of 5 (11 category reviews) Key attribute: Highly rated for Quality of Support Starting price: £10.00 Per User, Per Month Free trial: Available Free version: Available #### Features reviewers most value - Accounts Payable: Included - Accounts Receivable: Included - Bank Reconciliation: Included - Billing & Invoicing: Included - Bookkeeping Services Integration: Not included - Expense Tracking: Included - General Ledger: Included - Payroll Management: Included - Tax Management: Included --- ### 5. [Veryfi](https://www.capterra.com/p/180429/Veryfi/) Overall rating: 4.8 out of 5 (191 reviews) Category rating: 4.7 out of 5 (11 category reviews) Key attribute: Highly rated for Ease of Use Starting price: $500.00 Usage Based, Per Month Free trial: Available Free version: Available #### Features reviewers most value - Accounts Payable: Included - Accounts Receivable: Included - Bank Reconciliation: Not included - Billing & Invoicing: Included - Bookkeeping Services Integration: Not included - Expense Tracking: Included - General Ledger: Not included - Payroll Management: Not included - Tax Management: Not included --- ### 6. [BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/) Overall rating: 4.7 out of 5 (440 reviews) Category rating: 4.6 out of 5 (23 category reviews) Key attribute: Highly rated for Ease of Use Starting price: Contact vendor Free trial: Available Free version: Available #### Features reviewers most value - Accounts Payable: Not included - Accounts Receivable: Not included - Bank Reconciliation: Included - Billing & Invoicing: Not included - Bookkeeping Services Integration: Not included - Expense Tracking: Included - General Ledger: Included - Payroll Management: Not included - Tax Management: Included #### Pros based on reviews - Accessible and intuitive platform - Streamlined real-time expense tracking #### Cons based on reviews - Frequent bugs and glitches --- ### 7. [Wave](https://www.capterra.com/p/178021/Wave-Apps/) Overall rating: 4.4 out of 5 (1,732 reviews) Category rating: 4.4 out of 5 (102 category reviews) Key attribute: Highly rated for Value for Money Starting price: $19.00 Flat Rate, Per Month Free trial: Available Free version: Available #### Features reviewers most value - Accounts Payable: Included - Accounts Receivable: Included - Bank Reconciliation: Included - Billing & Invoicing: Included - Bookkeeping Services Integration: Not included - Expense Tracking: Included - General Ledger: Included - Payroll Management: Included - Tax Management: Included #### Pros based on reviews - Free and cost-effective solution - Tailored for small businesses #### Cons based on reviews - Inconsistent customer service quality - Delayed and limited email support --- ### 8. [Melio](https://www.capterra.com/p/184673/Melio/) Overall rating: 4.2 out of 5 (406 reviews) Category rating: 4.2 out of 5 (36 category reviews) Key attribute: Highly rated for Ease of Use Starting price: $25.00 Per User, Per Month Free trial: Available Free version: Available #### Features reviewers most value - Accounts Payable: Included - Accounts Receivable: Included - Bank Reconciliation: Included - Billing & Invoicing: Included - Bookkeeping Services Integration: Included - Expense Tracking: Included - General Ledger: Included - Payroll Management: Not included - Tax Management: Not included #### Pros based on reviews - Effortless daily operations - Cost-effective payment solution #### Cons based on reviews - Inconsistent customer support experience - Account connection and verification issues --- ## All bookkeeper software with a free version [## Wave](https://www.capterra.com/p/178021/Wave-Apps/) [4.4 (1732)](https://www.capterra.com/p/178021/Wave-Apps/reviews/) Accounting solution that helps businesses automate invoicing, payroll management, estimating, invoicing, and bookkeeping tasks. [Learn more about Wave](https://www.capterra.com/p/178021/Wave-Apps/) Bookkeeper features reviewers most value Accounts Payable Accounts Receivable Bank Reconciliation Billing & Invoicing Bookkeeping Services Integration Expense Tracking General Ledger Payroll Management Tax Management [## Abby](https://www.capterra.com/p/268623/Abby/) [4.7 (604)](https://www.capterra.com/p/268623/Abby/reviews/) Application that simplifies the management of micro-enterprises (invoicing, accounting, remote declaration, productivity) [Learn more about Abby](https://www.capterra.com/p/268623/Abby/) Bookkeeper features reviewers most value Accounts Payable Accounts Receivable Bank Reconciliation Billing & Invoicing Bookkeeping Services Integration Expense Tracking General Ledger Payroll Management Tax Management 87% recommend this product [## BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/) [4.7 (440)](https://www.capterra.com/p/166905/Divvy/reviews/) BILL Spend & Expense (formerly Divvy) is the all-in-one expense management solution. [Learn more about BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/) Bookkeeper features reviewers most value Accounts Payable Accounts Receivable Bank Reconciliation Billing & Invoicing Bookkeeping Services Integration Expense Tracking General Ledger Payroll Management Tax Management 90% recommend this product Connect with a Capterra advisor for a free 15-minute consultation Get a personalized software list aligned to your business needs with guidance from our expert advisors. [## Melio](https://www.capterra.com/p/184673/Melio/) [4.2 (406)](https://www.capterra.com/p/184673/Melio/reviews/) Melio is a streamlined bill-pay solution for accountants and businesses, simplifying client payments and bill management. [Learn more about Melio](https://www.capterra.com/p/184673/Melio/) Bookkeeper features reviewers most value Accounts Payable Accounts Receivable Bank Reconciliation Billing & Invoicing Bookkeeping Services Integration Expense Tracking General Ledger Payroll Management Tax Management [## Lendio](https://www.capterra.com/p/154197/Sunrise/) [4.5 (211)](https://www.capterra.com/p/154197/Sunrise/reviews/) Cloud-based cashflow software to streamline finance & accounting, tax assistance & preparation, documentation, expense tracking & more. [Learn more about Lendio](https://www.capterra.com/p/154197/Sunrise/) Bookkeeper features reviewers most value Accounts Payable Accounts Receivable Bank Reconciliation Billing & Invoicing Bookkeeping Services Integration Expense Tracking General Ledger Payroll Management Tax Management 81% recommend this product [## Veryfi](https://www.capterra.com/p/180429/Veryfi/) [4.8 (191)](https://www.capterra.com/p/180429/Veryfi/reviews/) APIs to turn Unstructured Documents (receipts, invoices, checks, bank statements) into Structured Data (inc line items) in Seconds. [Learn more about Veryfi](https://www.capterra.com/p/180429/Veryfi/) Bookkeeper features reviewers most value Accounts Payable Accounts Receivable Bank Reconciliation Billing & Invoicing Bookkeeping Services Integration Expense Tracking General Ledger Payroll Management Tax Management 94% recommend this product [## FreeAgent](https://www.capterra.com/p/122008/FreeAgent/) [4.5 (179)](https://www.capterra.com/p/122008/FreeAgent/reviews/) FreeAgent - Voted the UK’s #1 bookkeeping software and Client App of the Year 2021 at ICB Luca awards [Learn more about FreeAgent](https://www.capterra.com/p/122008/FreeAgent/) Bookkeeper features reviewers most value Accounts Payable Accounts Receivable Bank Reconciliation Billing & Invoicing Bookkeeping Services Integration Expense Tracking General Ledger Payroll Management Tax Management 81% recommend this product [## MoneyMinder](https://www.capterra.com/p/147716/MoneyMinder/) [4.9 (122)](https://www.capterra.com/p/147716/MoneyMinder/reviews/) Bookkeeping and accounting software for treasurers of nonprofit and volunteer-led groups, clubs and associations.  [Learn more about MoneyMinder](https://www.capterra.com/p/147716/MoneyMinder/) Bookkeeper features reviewers most value Accounts Payable Accounts Receivable Bank Reconciliation Billing & Invoicing Bookkeeping Services Integration Expense Tracking General Ledger Payroll Management Tax Management 93% recommend this product [## ZipBooks](https://www.capterra.com/p/147352/ZipBooks/) [4.5 (115)](https://www.capterra.com/p/147352/ZipBooks/reviews/) Accounting software for small businesses and accountants including time tracking, invoicing and digital payments. [Learn more about ZipBooks](https://www.capterra.com/p/147352/ZipBooks/) Bookkeeper features reviewers most value Accounts Payable Accounts Receivable Bank Reconciliation Billing & Invoicing Bookkeeping Services Integration Expense Tracking General Ledger Payroll Management Tax Management [## Crunch](https://www.capterra.com/p/204607/Crunch-Zero/) [4.4 (42)](https://www.capterra.com/p/204607/Crunch-Zero/reviews/) Simple online bookkeeping software allowing you to record expenses, upload receipts, issue invoices, and access your digital records! [Learn more about Crunch](https://www.capterra.com/p/204607/Crunch-Zero/) Bookkeeper features reviewers most value Accounts Payable Accounts Receivable Bank Reconciliation Billing & Invoicing Bookkeeping Services Integration Expense Tracking General Ledger Payroll Management Tax Management ## Top-rated software of 2026 ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox. Filter (70) Products: Sort By: Featured Partners * * * Plan Type Free Trial Popular 85% of professionals opt for a 30-day trial before the software purchase Other subsciption plans: Free Version Monthly Subscription Annual Subscription One-Time License Key Features All key features Popular We have selected the most important and critical features as defined by Capterra user reviews Accounts Payable Accounts Receivable AI Copilot Bank Reconciliation Billing & Invoicing Bookkeeping Services Integration Cash Management Expense Tracking Fixed Asset Management General Ledger Generative AI Payment Collection Payroll Management Revenue Recognition Spend Management Tax Management Deployment Cloud, SaaS, Web-Based Desktop Mac Desktop Windows Desktop Linux On-Premise Windows On-Premise Linux Desktop Chromebook Mobile Android Mobile iPhone Mobile iPad Related Software Category: [Accounting Software](https://www.capterra.com/accounting-software/)[Financial Reporting Software](https://www.capterra.com/financial-reporting-software/)[Billing and Provisioning Software](https://www.capterra.com/billing-and-provisioning-software/)[Project Accounting Software](https://www.capterra.com/project-accounting-software/)[Financial Close Software](https://www.capterra.com/financial-close-software/)[Revenue Recognition Software](https://www.capterra.com/revenue-recognition-software/)[Accounts Payable Software](https://www.capterra.com/accounts-payable-software/)[Accounts Receivable Software](https://www.capterra.com/accounts-receivable-software/)[General Ledger Software](https://www.capterra.com/general-ledger-software/) I'm looking for Bookkeeper Software that is: [For Small Businesses](https://www.capterra.com/bookkeeper-software/s/small-businesses/)