Free tool
Bookkeeping cost calculator.
What should bookkeeping actually cost you per year? Enter how many businesses you keep books for and how many bank accounts should feed automatically, and compare the three ways the market prices the same job.
Nothing to install. No card.
Your annual cost, three ways
$199/mo per business, entry tier (Bench, as of October 2026)
$38/mo per company, entry list price (QuickBooks Online, as of October 2026)
Software free; $9/mo covers all 4 connected accounts, pooled
Competitor figures as of October 2026. LedgerMCP figures are our pricing.
Where the differences come from.
The spread is structural. Human services price a person’s time per business. Traditional software prices a subscription per company file, before the person or AI operating it. The agent-plus-ledger shape prices neither: the software is free because an AI supplies the labor, either the agent you already subscribe to or the assistant built into the Growth and Scale plans. The metered thing is live bank feeds, pooled across your books.
Entry tiers are compared; heavier books cost more everywhere. A human service bundles judgment and sign-off you would otherwise supply. And every option, including ours, still costs your review time: cheaper to spend it on flagged items than on data entry.
The full breakdown with worked scenarios is in how much does AI bookkeeping cost and what bookkeeping costs a small business. Pricing details live on the pricing page.
Questions
Common questions.
How much does bookkeeping cost for a small business?
Three shapes, three price bands as of October 2026. Human services run $199 to $649/mo per business, entry tier to tax-included (Bench). Accounting software runs $38 to $340/mo per company (QuickBooks Online), plus your time or an assistant. An AI agent on free ledger software costs $0 to $249 per month total, plus the AI subscription you likely already pay.
Why does most bookkeeping software charge per company?
Because the subscription is the product. Each legal entity needs its own company file, so a second business or a few client books multiplies the bill. Pooled pricing flips that: LedgerMCP books are unlimited and free; the meters are connected bank accounts, pooled across everything you keep, and the optional built-in AI.
Is free bookkeeping software actually free?
Here, the software genuinely is: unlimited books, CSV import, categorization, reconciliation, and every report, no trial clock. The paid features are live bank feeds, from $9 per month pooled (Free runs them for 14 days), and AI Bookkeeping and Autopilot on Growth and Scale; Free and Starter get a small allowance of the built-in assistant to try it. The honest total cost of any bookkeeping setup also includes your review time, which no vendor can price away.
When is a human bookkeeping service worth it?
When you want zero involvement and the price of a part-time professional is acceptable. You send documents, humans return finished books. If you can spend ten minutes a month reviewing an agent’s flagged items instead, the same monthly close costs roughly a service’s single month per year.
Try the $0 column for real.
Free books, your AI does the work. If it is not simpler than what you do now, you lost nothing.
Works with Claude, ChatGPT, Grok, Cursor, and any MCP client.