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Select up to 4 software tools to compare side by side โ€” pricing, features, pros and cons. Find the best fit for your needs with detailed side-by-side comparisons.

Verdict

The best accounting software depends on your business size, budget, and needs. QuickBooks Online is the industry standard with the most features and integrations. Xero offers unlimited users and strong multi-currency support. FreshBooks has the best invoicing experience for freelancers. Wave is free for US and Canada-based sole proprietors.

Select tools:
FeatureGustoRipplingJustworks
Starting PriceFrom $40/moFrom $8/moFrom $8/mo
Simple$40/mo$8/mo$8/mo
Plus$80/moโ€”$59/mo
Premium$180/moโ€”$99/mo
Best ForSmall BizSmall Biz, EnterpriseSmall Biz
RegionsUSUS, CA, GB, AU, globalUS
PlatformsWeb, Ios, AndroidWeb, Ios, AndroidWeb, Ios, Android
Key Features
  • โ€ขAutomated federal, state, and local payroll tax filing
  • โ€ขW-2 and 1099 filing at year end
  • โ€ขHealth, dental, and vision insurance administration
  • โ€ข401k plan administration
  • โ€ขUnified payroll, HR, IT, and spend management in one platform
  • โ€ขGlobal payroll in 185-plus countries
  • โ€ขAutomated employee provisioning across all business systems
  • โ€ขIT device management and software provisioning
  • โ€ขPEO co-employment for access to Fortune 500-level benefits
  • โ€ขPooled health, dental, and vision insurance at group rates
  • โ€ข401k plan with competitive rates through PEO scale
  • โ€ขAutomated payroll and tax filing
Pros
  • +Most user-friendly payroll platform in the category โ€” designed for non-HR business owners
  • +Full-service tax filing included โ€” no manual tax deposits or filings required
  • +Benefits administration in the same platform as payroll eliminates data syncing between systems
  • +Only platform unifying payroll, HR, IT, and spend โ€” eliminates inter-system coordination entirely
  • +Global payroll in 185-plus countries handles international teams from one system
  • +Automated provisioning dramatically reduces IT and HR onboarding time
  • +PEO model gives small businesses access to benefits unavailable independently โ€” major talent retention advantage
  • +Health insurance rates through PEO pooling often significantly cheaper than individual small business plans
  • +All-in-one payroll, benefits, and compliance from one platform and one monthly bill
Cons
  • โˆ’US only โ€” no international payroll capability
  • โˆ’Pricing increases significantly with headcount โ€” per-person fee adds up for larger teams
  • โˆ’Benefits availability varies by state and minimum employee requirements apply for some plans
  • โˆ’Modular pricing means full platform cost is significantly higher than single-purpose payroll tools
  • โˆ’Complexity increases with more modules โ€” implementation requires careful planning
  • โˆ’Some modules less mature than specialized standalone tools
  • โˆ’PEO pricing at $59 to $99 per person is more expensive than standalone payroll tools
  • โˆ’Co-employment model means Justworks is technically the employer of record โ€” some businesses prefer to avoid this
  • โˆ’US only โ€” no international capability
Integrations8+ integrations7+ integrations5+ integrations
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