Top 10 Best Bookkeeping Software for Small Businesses in 2025

This listicle features the top 10 best bookkeeping software for small business owners in 2025. It explains the features of the software products, alongside their pricings and offerings. The guide also sheds light on which software product might be ideal for your business. The guide also has a quick how to choose the best bookkeeping software section as well.

If you don’t want the headache of choosing the bookkeeping software and then aligning it with your systems then outsource your bookkeeping to FINITAC and we’ll take care of everything.

Top 10 Best Bookkeeping Software for Small Businesses in 2025

Small business owners like you already know that Excel and Google Sheets aren’t your permanent solution. You need integration that automatically collects data from your bank accounts and keeps your books up to date.

The solution? A right bookkeeping software. This guide walks you through the top 10 bookkeeping software for small businesses in 2025, it explains how these different software products handle day-to-day bookkeeping and what you can expect to pay.

This guide has been made by considering that not every business owner has a finance degree or has a lot of time. So, the primary goal is to make life easier as a business owner. Let’s get started!

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How to Choose the Right Bookkeeping Software

Before we get into the list, it helps to know what actually matters:

  • Ease of use: Can you realistically keep this updated every week without giving hours?
  • Automation: Does it pull in bank feeds, categorize transactions, and send recurring invoices, or are you doing everything manually?
  • Reporting: Can you see profit and who owes you money in a couple of clicks?
  • Ecosystem: Does it play nicely with your payment processors, POS, payroll, and CRM?
  • Price vs. stage: Are you a solo freelancer, a small team, or a growing company?

These questions help you choose the better option for your business.

1. QuickBooks – Best All-Rounder for Most Small Businesses

Ask any accountant what software product should I use and they’d probably reply with “Quickbooks” because it covers almost every core need. From invoicing, bank feeds, expense tracking, inventory, payroll and integrations. It takes care of everything. It’s widely recommended as the best small-business accounting software.

Quickbooks is great for integration with banks and payment processors. It offers flexible plans whether you’re a solo operator or a big sized team. The pricing varies for your needs and usage.

2. Xero – Best for Growing Businesses and Unlimited Users

Xero is often the main alternative to QuickBooks for businesses that prefer a clean design and multi user access. It’s as popular as Quickbooks among startups, agencies and online business owners.

They offer different plans like early, growing, and established. The starting price is as low as $2.50 and you can avail one month free to check it out before you pay.

Xero is great for bank reconciliation and reporting features. It has a solid app ecosystem. If you’re a small business owner who’s expecting to grow quickly with collaboration friendly tools then it’s a great option for you.

3. Zoho Books – Best Value for Automation and Workflows

If you love automation but hate those big price tags, Zoho Books is one of the best deals in 2025. It’s part of the larger Zoho suite (CRM, projects, inventory, etc.), and its accounting module stands out for automation rules, and strong mobile support at a lower cost than many competitors.

They offer a free trial alongside smooth integration with other Zoho apps if you want an all in one business stack.

If you’re a small business owner who wants to automate as much as possible (invoicing, reminders, approvals) without paying the premium price of some of the bigger names then this is a great option for you.

4. FreshBooks – Best for Service-Based Solo and Small Teams

    FreshBooks started as invoicing software for freelancers and service businesses and now it has become a very practical bookkeeping software for small business owners.

    It’s particularly friendly for agencies, consultants, creatives, and other service providers who care about invoicing, time tracking, simple expenses, and project profitability more than complex inventory or manufacturing.

    The interface is super user-friendly. It offers decent integrations for payment recording as well. People who don’t prefer accounting feel and still want to get everything covered, FreshBooks is for them.

    Best Bookkeeping Software

    5. Wave – Best Free Bookkeeping Software for Tiny Budgets

    If your budget doesn’t allow you to buy a bookkeeping software subscription the Wave is one of the best bookkeeping software for you in 2025.

    Wave’s a cloud-based accounting and invoicing software, best for small businesses and freelancers. It handles income and expense tracking, invoicing, and basic reporting for free.

    If you’ve just started and need real accounting software without spending money then this is the best option for you.

    6. Sage Accounting – Best for Traditional Businesses and Multi-User Setups

    Sage is one of the well known bookkeeping software products in the accounting world. Sage offers multiple tiers with pricing that’s competitive. It’s great for solid invoicing and reporting.

    Sage offers good support for multiple users and more structured roles. If you’re a small business owner that likes working with long-established accounting brands/software with stronger compliance and multiple user access then Sage is a great option for you.

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    7. FreeAgent – Best for UK Freelancers and Micro-Businesses

    If you’re in the UK (or operate in a similar context) and want a tool designed specifically for freelancers, contractors, and small businesses, FreeAgent is a serious contender in 2025.

    FreeAgent bundles invoicing, expenses, time tracking, project management, and tax tools into one platform and is often positioned as the UK’s #1 small-business accounting software. 

    Some bank partners even offer FreeAgent for free with a business account. It’s best for
     UK-based small businesses and freelancers who want HMRC-friendly features and a tool built for their local environment.

    8. Bench – Best “Done-for-You” Bookkeeping + Software Combo

    Bench is different from the others on this list. It’s not just a software but it’s bookkeeping as a service.

    You get an easy-to-use web portal plus a dedicated bookkeeper who handles your monthly bookkeeping for you. Bench focuses on very small businesses that want to fully offload the bookkeeping function.

    You don’t just get software but also a professional who handles it. It’s best for the business owners who hate the idea of ever reconciling transactions themselves.

    9. ZipBooks – Best Free + Simple for Very Small Businesses

    ZipBooks is a clean accounting platform that offers a free starter tier with unlimited invoicing, unlimited customers, basic reports, and one connected bank account. 

    Paid tiers add more advanced reporting and deeper automation, but even the free plan is unusually generous compared to most competitors.

    The interface is small business owners and freelancers focused. It’s a great free software for invoicing, expense tracking and basic accounting.

    10. Kashoo – Best Hassle-Free “Set It and Go” Accounting

    Kashoo brands itself as the world’s simplest accounting software for small businesses and it leans hard into that promise.

    It focuses on time-saving automation and a straightforward interface. The plans are designed for small business owners who want to stay in control of their books without getting lost in complexity. 

    The simple interface makes it easy for people who’re not much into numbers. Small businesses and freelancers who want something easier but more capable than a basic invoicing app, this is a great option.

    People Also Ask

    Many people confuse this as FreshBooks started as an invoicing software but now it has become a full time bookkeeping software. So, yes it’s a real bookkeeping software for small businesses now.

    It isn’t that complicated. All you need is to look at your business operations and your requirements for a bookkeeping software. Once you’re fully aware of what you need, find a bookkeeping software that fulfills all your needs. That’s all you’ve got to do. The real challenge is doing the work consistently because some people are still using google sheets but consistently and it’s still doing the job for them.

    No. It won’t make it worse. It will help you get on the right track. You’ve to start from somewhere and messy books are your sign to start doing it right. Forget the embarrassment and get to work.

    Conclusion

    All of the bookkeeping software products in the list work. It isn’t like that you can only do a certain thing if you get access to one certain software. The real win isn’t having or choosing the best software but it’s using it consistently, reconciling weekly, and looking at your reports before you make decisions.

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