Invoices
Six designer templates in five languages. Preview, PDF and email always match.
Your books, done for you. Free.
Free accounting with an AI bookkeeper that sorts, matches and closes your month, and asks before it changes anything.
Free forever · No card needed · Unlimited businesses
Since 2023, QuickBooks Plus went from $90 to $140 a month.
Every business you own pays it again.
FreshBooks charges by the client. Wave moved bank feeds behind a paywall.
So we built the opposite.
Sources: QuickBooks pricing, NerdWallet: price history, FreshBooks pricing, Wave: legacy plan changes.
Superpower AI
Monday morning. 8 transactions waiting.
Ask Finch. It prepares every change, then waits for you.
Confirm, and the week is filed.
Changed your mind? One tap puts every row back.
- Oct 13Kingsfield Flour Co.−$412.60Needs a categoryIngredientsIngredients
- Oct 13City Power & Light−$238.14Needs a categoryUtilitiesUtilities
- Oct 14Card payout12 payments matched+$2,840.00Needs a categoryPayoutPayout
- Oct 14Paper & Box SupplyReceipt matched−$64.99Needs a categoryPackagingPackaging
- Oct 15To Savings ••4471Paired−$1,500.00Needs a categoryTransferTransfer
- Oct 15Ellis Properties−$3,200.00Needs a categoryRentRent
- Oct 16Northside FuelReceipt matched−$58.42Needs a categoryVehicleVehicle
- Oct 16Corner Hardware−$23.16Needs a categoryRepairsRepairs
Finch AI
Sort last week and match my receipts
I sorted 8 transactions and matched 2 receipts. Nothing changes until you confirm.
File 8 transactions
- Money out
- $3,997.31
- Money in
- $2,840.00
- Transfers paired
- 1
Confirm Filed Undo
Undone. Every row is back exactly as it was.
Ask about your books…
Everything you'd pay extra for. Included.
Real screens from the real app, nothing staged.
Get paid
Card, Apple Pay, Google Pay or bank transfer. Bank payments cost 0.8%, never more than $5.
Bank sync
Every account, up to 24 months of history, synced every 6 hours.
Bills & team
Bills, vendors and roles for your team and your accountant.
Real books
Double-entry, 21 reports, budgets and cost of goods. Every P&L line opens to the transactions behind it.
Cash forecast
Safe to spend today, and 90 days ahead based on when each customer really pays.
All of it, $0.
Start free
Every business you own. Plus Personal. One login.
Add as many businesses as you like, free. Switch between them in one tap, see your personal net worth with your share of each, and ask Finch AI about all of them at once.
QuickBooks Online, Plus
Juniper Bakery$140/mo
Juniper Catering$140/mo
Cottage Rental$140/mo
Three subscriptions$420/mo
Finch · one login
Juniper Bakery LLC$0
Juniper Catering LLC$0
Cottage Rental Sole prop$0
Personal Household$0
Everything$0/mo
When the bakery pays the catering company's supplier, Finch books both sides and keeps a who-owes-whom report, so nothing gets lost between your businesses.
A shoebox of paper.
Finch reads every receipt and invoice and files it on the right line.
Your profit and loss, true to the cent.
Demo · sample data
Don't take our word for it. Take theirs.
Every number comes from their own pricing pages, checked October 18, 2026. Links in each card.
Finch vs QuickBooks Online
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 |
Finch vs FreshBooks
FreshBooks charges by the client, and by the teammate.
| Feature | Finch | FreshBooks |
|---|---|---|
| Two businesses, per month | $0 | from $46 (Lite × 2) |
| Free plan | Everything, unlimited businesses | No free plan |
| Card payments | 2.9% + 30¢ (2.7% + 30¢ on Superpower) | 2.9% + 30¢ (Amex 3.5% + 30¢) |
| Bank transfers | 0.8%, never more than $5 | 1% |
| AI bookkeeper | 100 free actions, then unlimited for $49/mo | None advertised |
| Undo any AI change | Yes, every change | Not applicable |
| Personal finances, same login | Included | Not offered |
Finch vs Wave
Wave's free plan lost its bank feeds on June 1, 2026.
| Feature | Finch | Wave |
|---|---|---|
| Two businesses, per month | $0 | from $38 (Pro × 2) |
| Free plan | Everything, unlimited businesses | Manual entry only; bank connections moved to Pro on June 1, 2026 |
| Card payments | 2.9% + 30¢ (2.7% + 30¢ on Superpower) | 2.9% + 60¢ |
| Bank transfers | 0.8%, never more than $5 | 1% ($1 minimum) |
| AI bookkeeper | 100 free actions, then unlimited for $49/mo | None advertised |
| Undo any AI change | Yes, every change | Not applicable |
| Personal finances, same login | Included | Not offered |
Two plans. No traps.
Free is the whole product. Superpower AI is the bookkeeper that does it for you.
Free
$0forever
Everything QuickBooks charges for, for every business you own.
- Unlimited businesses, plus Personal
- Unlimited invoices, estimates and customers
- Cards 2.9% + 30¢ · bank transfers 0.8%, max $5
- Bank sync for every account*
- Double-entry books, 21 reports, budgets
- Bills, vendors, team and accountant roles
- 100 Finch AI actions to try it
Superpower AI
$49a month
+$29/mo for each additional business. An AI bookkeeper that does the work and asks first.
- Everything in Free
- Unlimited Finch AI actions
- Autopilot that files high-confidence items
- Receipts read and matched for you
- Month-end close and reconcile, in chat
- Weekly summary in your Finch Inbox
- Cards 2.7% + 30¢
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.
What would a year cost you?
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.
Your books. Your call.
An AI bookkeeper is only useful if you can trust it. So Finch is built to be checked.
- It asks first.Finch AI prepares every change as a proposal. Nothing touches your books until you confirm.
- Undo, always.Every applied change can be undone, row by row, back to exactly how it was.
- Closed means closed.Once you close a month, changes post as adjustments. History is never rewritten.
- Every change on the record.A permanent activity log shows who changed what, people and AI alike.
- Your data stays yours.Bank access is encrypted with AES-256, and Finch AI only uses providers that don't collect your data.
Straight answers.
What is Finch?
Finch is free accounting software for small businesses and for people who run more than one business. It includes invoicing, card and bank payments, bank sync, double-entry books with 21 reports, and Finch AI, a bookkeeper that proposes changes you confirm and can undo. Superpower AI makes the AI unlimited for $49 a month.
Is Finch really free?
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.
What does Superpower AI add?
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.
Does the AI change my books on its own?
Not unless you let it. Every change is a proposal you confirm, and every applied change can be undone. Autopilot stays off until an admin turns it on, and even then it only files high-confidence items under a limit you set. Finch AI only uses model providers that don't collect your data.
Can Finch replace QuickBooks?
For most small businesses, yes. Invoices, estimates, payments, bills, bank feeds, reconciliation, profit and loss, balance sheet, cash flow and sales tax reports are all included. You can start with opening balances and up to 24 months of bank history. Finch doesn't run payroll or track time yet.
How do bank connections work?
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.
Can I run more than one business?
Yes, as many as you like, plus your Personal finances, under one login, free. When one business pays a bill for another, Finch books both sides and keeps a who-owes-whom report.
What does it cost to get paid?
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.
Two businesses on QuickBooks Plus: $3,360 a year.
On Finch: $0.
Start freeNo card needed. Every business you own.