Pricing
The whole accounting product is $0. Add Superpower AI when you want an AI bookkeeper that does the work, for $49 a month plus $29 for each additional business.
$0forever
Everything QuickBooks charges for, for every business you own.
$49a month
+$29/mo for each additional business. An AI bookkeeper that does the work and asks first.
Start on Free with 100 AI actions, upgrade any time.
*Bank sync runs through SimpleFIN Bridge, which you pay directly: $1.50 a month or $15 a year, and one SimpleFIN subscription covers every business you own. Payment fees apply only when you collect money.
You only pay when money comes in. No monthly payment fees, no setup, no fee to send an invoice.
| Payment | Free | Superpower AI |
|---|---|---|
| Card, Apple Pay, Google Pay | 2.9% + 30¢ | 2.7% + 30¢ |
| Bank transfer (ACH) | 0.8%, max $5 | 0.8%, max $5 |
| Sending invoices, estimates, reminders | Free | Free |
Move the sliders. The math is the same code Finch charges with.
Finch saves you $369 a year against the cheapest alternative.
A year at list prices on October 18, 2026, before promotions. Each competitor uses its cheapest plan with bank feeds and unlimited invoices, one subscription per business. Card fees assume every sale is an invoice paid by card at the average you picked.
US list prices on October 18, 2026, before promotions.
QuickBooks Plus went from $90 to $140 a month since 2023.
| 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 |
Yes. Invoicing, estimates, card and bank payments, bills, double-entry books, 21 reports and unlimited businesses cost $0 a month. You pay per payment you collect (2.9% + 30¢ by card, 0.8%, never more than $5 by bank transfer) and, if you connect banks, $1.50 a month or $15 a year to SimpleFIN, the service that syncs them.
Unlimited Finch AI for $49 a month, plus $29 for each additional business. It categorizes transactions, reads receipts, matches payouts, reconciles accounts and closes the month in chat. Card payments drop to 2.7% + 30¢. The Free plan includes 100 AI actions to try it.
Finch connects through SimpleFIN Bridge. You pay SimpleFIN directly ($1.50 a month or $15 a year), and one connection can feed every business you own. Finch pulls up to 24 months of history and keeps syncing every 6 hours. Bank access is stored encrypted with AES-256.
Cards cost 2.9% + 30¢ on Free and 2.7% + 30¢ on Superpower AI. Bank transfers cost 0.8%, never more than $5. There are no monthly fees, no setup fees and no fee to send an invoice.