Stop paying per business
The big accounting tools charge for every business and lock features behind higher tiers. Here is what the same features cost on each.
Plus is the cheapest QuickBooks plan with both multi-currency and inventory.
Established is the only Xero plan with multi-currency.
Pro is the Wave plan with bank imports and automation, priced per business.
Professional is the cheapest Zoho Books plan with multi-currency and inventory (billed yearly).
The whole field, one table
Cheapest US plan that includes the feature, per business.
 Account Trail | QuickBooks | Xero | Wave | Zoho Books | |
|---|---|---|---|---|---|
| Cheapest comparable plan, per business | $144/yr | $1,680/yr | $1,164/yr | $190/yr Pro* | $480/yr |
| Multi-currency | Every plan | Essentials+ | Established | Every plan | Professional+ |
| Inventory and stock | Every plan | Plus+ | Inventory Plus add-on | Not offered | Professional+ |
| Budgets | Every plan | Plus+ | Every plan | Not offered | Premium+ |
| Several businesses, one bill | Yes, 1 to 15+ | No | No | No | No |
| 30-day money-back | Yes | — | — | — | — |
* Wave has no inventory, so its comparable plan is Pro, the tier with bank imports and automation. US list prices checked October 2026, excluding promotions, taxes and add-ons. Sources: QuickBooks · Xero · Wave · Zoho Books.
Every feature, every plan, from $144 a year
One business or twenty-five. Full refund within 30 days.