Finch vs QuickBooks
QuickBooks Plus went from $90 to $140 a month since 2023.
Finch does the same job for $0, for every business you own, with an AI bookkeeper that asks before it changes anything. Here is every difference, with sources.
Side by side
US list prices on October 18, 2026, before promotions. Checkmarks only where Finch is clearly ahead.
| Feature | Finch | QuickBooks Online |
|---|---|---|
| Two businesses, per month | $0 | from $76 (Simple Start × 2) |
| Free plan | Everything, unlimited businesses | 1 bank account, 2 invoices and 1 estimate a month, no accountant access |
| Card payments | 2.9% + 30¢ (2.7% + 30¢ on Superpower) | 2.99% on invoices |
| Bank transfers | 0.8%, never more than $5 | 1% |
| AI bookkeeper | 100 free actions, then unlimited for $49/mo | Included by plan tier; usage-based pricing announced |
| Undo any AI change | Yes, every change | Not documented |
| Personal finances, same login | Included | Not offered |
Plus is up 56% and Advanced up 70% since 2023.
Three businesses on Plus cost $420 a month. On Finch, $0.
The free plan stops at 2 invoices a month and 1 bank account.
QuickBooks plans
- Free: $0/mo · 1 bank account, 2 invoices a month
- Simple Start: $38/mo · 1 user
- Essentials: $85/mo · 3 users
- Plus: $140/mo · 5 users
- Advanced: $340/mo · 25 users
What switching gets you
An AI bookkeeper with undo
Finch AI files transactions, reads receipts and closes the month. Every change waits for your confirm, and every change can be undone.
Every business, one login
Unlimited businesses plus Personal, free. When one business pays for another, Finch books both sides.
Real double-entry books
21 reports, reconciliation, closed periods that never get rewritten, and every P&L line opens to its transactions.
Invoices customers like paying
Six templates, five languages, card, Apple Pay, Google Pay or bank transfer, estimates with deposits and autopay.
Finch vs QuickBooks, answered
Is Finch really cheaper than QuickBooks?
Finch's accounting is $0 for any number of businesses. QuickBooks's cheapest paid plan is Simple Start at $38 a month, per business, at list price on October 18, 2026. Finch's optional Superpower AI is $49 a month plus $29 per additional business.
How do payment fees compare with QuickBooks?
QuickBooks charges 2.99% on invoices for cards and 1% for bank transfers. Finch charges 2.9% + 30¢ for cards (2.7% + 30¢ on Superpower AI) and 0.8% for bank transfers, never more than $5.
Can I run several businesses in Finch instead of separate QuickBooks accounts?
Yes. Every company needs its own paid subscription on QuickBooks. Finch puts every business you own, plus your Personal finances, under one login for $0, with a who-owes-whom report between them.
What does QuickBooks have that Finch doesn't?
Finch doesn't run payroll or track time yet, and there's no one-click import from other apps. You start with opening balances and up to 24 months of bank history.