Best KashFlow Alternatives 2024 (Top 12 Similar Competitors)

KashFlow is a fantastic cloud-based accounting software for small businesses. It's easy for non-accountants to use, has a good selection of features, and comes with affordable monthly plans. 

However, there are also numerous KashFlow competitors that prove to be just as good as KashFlow. So, what are the best KashFlow alternatives? And, why should you even look for another online accounting software?

In this post, we’ll answer all of your questions and present you the best alternatives for this popular accounting software.

Top 10 KashFlow competitors with similar products

Here is the software like KashFlow that we think are the best KashFlow alternatives. Although they are all fairly similar, some KashFlow competitors will be better suited to your circumstances than others, so read more about the KashFlow competition below.

Here’s our full list of the best KashFlow alternatives 2024:

Now, let’s explore the best Kashflow alternatives and see what makes each software a top replacement. 

Almost every Kashflow review explains how great this software is. However, there are plenty other tools worth considering, such as a few great options geared toward freelancers. 

Here are 12 good alternatives to KashFlow: 

1. Quickbooks Online (best KashFlow alternative overall)

If there's anything that needs to be said about QuickBooks Online is that it's one of the most popular accounting software worldwide. It was created by Intuit, a company with several products under its umbrella, including TurboTax, Mint, QuickBooks Payroll, and QuickBooks Payments. 

What makes Quickbooks Online better than KashFlow software is that the software integrates seamlessly with other products in the Intuit universe, which makes it a no-brainer if you're already using some of Intuit software. We voted it as the best alternative to KashFlow as it's an already established software in the accounting software industry; it's easy to adopt and affordable for most businesses. 

There's a separate plan for freelancers with basic needs and additional four subscription levels ranging from $30 to $200 per month. Quickbooks has desktop versions for Mac and Windows, as well as mobile apps for iOS and Android. Currently, there's no desktop app for Linux. 

QuickBooks Online is best for:

• Startups 

• Small businesses

• Medium-sized businesses 

• Freelancers 

Features

• Invoicing

• Income and payments

• Expenses

• Sales tax

• Bill management

• Estimates

• Cash flow planner

• Reports

• Project profitability

• Inventory management

• Timesheets

• Mobile apps

• Mileage tracking

• Revenue management

Pricing

• Simple Start: $15 /month for the first three months, then $30

• Essentials: $27.50 /month for the first three months, then $55

• Plus: $42.50 /month for the first three months, then $85

• Advanced: $100 /month for the first three months, then $200

• Self-employed for freelancers: $7.50/month for the first three months, then $15

QuickBooks Online review 

Visit QuickBooks Online
 

2. Wave (best free KashFlow alternative)

Wave made it to our list as one of the best free KashFlow alternatives. This is because Wave offers its basic software free of charge to its users. The freemium version lets you do everything from invoicing and income and expense tracking to unlimited bank and credit card connections.

What’s great about Wave is that it lets you do payroll and calculate taxes. You can also pay outside contractors and send and manage receipts. Wave has a very intuitive user interface, making it a good choice for beginners without prior experience with financial accounting software. 

Everything is 100% free of charge. So, are there any costs involved? Although the basic software is free to use, certain fees are associated with payroll and payments. 

For instance, credit card processing is 2.9% plus 60 cents for each transaction. There's a $1 minimum fee and a 1% charge for bank transactions. The payroll software is $40 per month, and Bookkeeping support is $149 per month. 

Wave is best for:

• Freelancers

• Self-employed contractors

• Startup owners 

• Small business entrepreneurs

Features

• Invoicing

• Accounting

• Banking

• Payments

• Payroll

• Advisors

Pricing

• Invoicing features: $0

• Accounting features: $0

• Banking features: $0

• Credit card payments: starts at 2.9% + $0.6 per transaction

• Bank payments: 1% per transaction

• Payroll: starts at $20

• Advisors: starts at $149

Wave Accounting review

Visit Wave Accounting
 

3. Freshbooks (most similar to KashFlow)

FreshBooks is an accounting software very similar to KashFlow, and for several reasons. For one, FreshBooks can be a great choice for smaller companies that need an easy-to-use solution to manage their basic accounting needs. 

Being easy to use also means Freshbooks is easy to onboard, so you don’t need to invest too much time learning to navigate the system. Secondly, FreshBooks also offers a few pricing plans that range from $15 to $55+ per month, but there are discounts all year round. 

Some of the features you'll find include creating and sending invoices, managing clients and project management, tracking billable time, project management, and accepting online payments. 

Accounting features include balance sheets, accounts receivable and payable, and general ledger tools. Even better, FreshBooks can act like an automation solution, letting you set up basic automations to speed up repetitive workflows for things like payment reminders and auto credit card charges.

FreshBooks is best for:

• Freelancers

• Independent contractors 

• Solopreneurs

• Small business owners 

Features

• Invoicing

• Time tracking

• Expenses

• Clients

• Payments

• Projects

• Estimates and proposals

• Accounting and reports

• Add-ons

Pricing

• Lite: $13.50 /month billed annually 

• Plus: $22.50 /month billed annually 

• Premium: $45 /month billed annually 

• Select: contact vendor for pricing

FreshBooks review 

Visit FreshBooks
 

4. Xero (good KashFlow alternative if you need unlimited users)

You can rarely find accounting software that doesn’t impose a user limit, but Xero does it. In fact, there’s no user limit on either one of the monthly plans. 

You can have as many users as you need by simply subscribing to one of the three paid plans that range from $13 to $70 per month. For an additional $40 per month, you can integrate the software with Gusto to calculate pay and deductions, pay employees, and simplify compliance. 

Each plan includes all the basic accounting features, including bank connections, inventory, reporting, online payments, and purchase orders.

Xero is best for:

• Freelancers

• Startups 

• Small businesses

• Accountants and bookkeepers 

Features

• Bank connections

• Inventory

• Reporting

• Accept payments

• Purchase orders

• Files

• Sales tax

• Client portal

• Expenses

• Projects

• Multi-currency accounting

• Payroll with Gusto

Pricing

• Early: $12 /month

• Growing: $34 /month

• Established: $65 /month

Xero review 

Visit Xero
 

5. Sage Accounting (cheaper alternative to KashFlow if you’re on a budget)

Sage Accounting is designed by The Sage Group, which is a multinational business software company. The company has multiple products under its umbrella, including a cloud ERP solution that’s a major competitor to Oracle and SAP. Sage Accounting is a cheaper alternative to KashFlow that can be a great option for businesses on a budget. 

The Sage Start plan is only $10 per month that is geared toward self-employed and micro-businesses. It includes features like creating and sending invoices, tracking payments, and automatic bank reconciliation. 

If you need more features, you can always upgrade to Sage Accounting Standard, which stands at $25 per month. In this plan, you’ll find additional features like unlimited users, quotes and estimates, cash flow forecasting, purchase invoices, and more.

 And if your business eventually grows, there are two other Sage accounting platforms you can transfer your business to, Sage 50cloud and Sage Intacct.

Sage Accounting is best for:

• Startups 

• Solopreneurs 

• Freelancers 

Features

• Invoices

• Billing

• Snap receipts

• Accounts payable

• Cash flow forecasting

• Purchase invoicing

Pricing

• Sage Accounting Start, $10 /month

• Sage Accounting Standard, $25 /month

Sage Accounting review

Visit Sage Accounting
 

6. Zipbooks (great KashFlow replacement for small agencies)

ZipBooks comes with everything you would need from accounting software for small businesses. It comes with a generous set of features, a low learning curve, and affordable monthly plans. 

Monthly plans range from $15 to $35+, but the great thing is there's also a free plan. The freemium version lets you send unlimited invoices, manage unlimited vendors & customers, and accept digital payments. 

We voted ZipBooks as the best software solution for small agencies because it has a special subscription level called Accountant that comes with all the features small accounting agencies need to manage their clients. This plan includes texting clients directly from the software, tracking working hours across client accounts, editing transactions in bulk, managing clients from one central dashboard, and more. 

You can also use a solid insight and reporting feature to get paid on time, retain your best clients, and see how you're performing against your competitors. 

ZipBooks is best for:

• Self-employed

• Startups

• SMBs

Features

• Invoicing 

• Accounting 

• Expenses

• Time tracking

• Payments

• Estimates

• Projects 

• Reports and insights 

• Integrations

Pricing

• Free

• Smarter: $15 /month

• Sophisticated: $35 /month

• Accountant: Contact vendor

ZipBooks review 

Visit ZipBooks 
 

7. FreeAgent (top Kashflow substitute for European-based businesses) 

Some accounting software is better suited for businesses located in the US, others for businesses in Asia. 

FreeAgent is one accounting system that best supports EU-based businesses, as it's been founded in the UK. This doesn't mean US or Canadian businesses can't use it, but that some of its features will only be available to European users. 

For example, FreeAgent has great VAT support but only for UK or EU businesses. Other than this functionality, all other features are available to users globally, including estimates, invoicing, expenses, banking, projects, and time tracking. 

The best thing is that FreeAgent is completely unlimited. You can have as many users, clients, and projects as you want at no extra cost.

FreeAgent is best for:

• Small businesses

• Medium-sized businesses

• European-based businesses 

Features

• Estimates

• Invoices

• Expenses

• Time tracking

• Dashboard

• Banking

• Projects 

Pricing

• $10 /month for six months, then $20 /month 

Visit FreeAgent
 

8. Zoho Books (good option for e-commerce businesses)

Zoho Books is the accounting software on the list with the most monthly plans. There are six subscription levels, including a free plan. 

The free plan is geared toward businesses with less than 50K in revenue per year. You'll find features like invoicing, online payments, recurring invoices, expenses, mileage tracking, and more. The paid plans range from $15 to $240 per month. 

We voted Zoho Books as the best KashFlow alternative for e-commerce businesses because it has more payment gateway options than any other accounting software on this list or in the industry. You can accept payments from payment gateways such as Paypal, Stripe, Square, Worldpay, Forte, and WePay. 

There are basic contact management features that can make the system work like a light customer relationship management software. In addition, it comes with robust inventory management and sales features, including Shopify Store integration, Vendor portal, Batch and Shipment tracking, Multi-currency handling, and more. 

Zoho Books has a Windows desktop version you can download from the Microsoft store.

Zoho Books is best for:

• Startups 

• Small businesses

• Medium-sized companies 

• eCommerce businesses 

Features

• Invoices

• Templates 

• Expenses

• Estimates

• Bills

• Client portal

• Banking 

• Online payments 

• Projects

• Sales orders

• Sales tax

• Inventory

Pricing

• Free

• Standard: $15 /month billed annually 

• Professional: $40 /month billed annually

• Premium: $60 /month billed annually

• Elite: $120 /month billed annually

• Ultimate: $240 /month billed annually

Zoho Books review

Visit Zoho Books
 

9. Kashoo (best for mid to large-size small businesses)

Kashoo is a no-hassle accounting software and an amazing KashFlow substitute. Why do we say no-hassle? Well, for only $30 per month, you get access to every feature you would need if you're a mid or large-size small business. 

The monthly plan includes everything from invoicing, accepting payments, and tracking income to multi-currency, payroll, and projects. There's a generous amount of financial reports and statements that let you track your financial health and make better decisions for your business. Clients can pay their invoices online via payment providers like Visa, MasterCard, and American Express. 

Keep in mind that if you want to enable online payments, you must first sign up for Kashoo's credit card processor, called WePay. Kashoo connects to 5,000+ banks or credit unions and syncs transactions in real-time. There's also a smart tool that streamlines double-entry accounting.

Kashoo is best for:

• Freelancers

• Startups

• Small businesses

Features

• Invoicing and payments

• Income and expenses

• Bills 

• Reports

• Bank reconciliation

• Banking

• Mobile app

• Users and account management 

• Projects

Pricing

• $30 /month 

Kashoo review 

Visit Kashoo
 

10. Crunch: great KashFlow replacement if you need software + services

Crunch stands out from the crowd with its unique software and service offering in one beautiful package. In other words, you'll get access to a selection of accounting features and services such as company formation, VAT support, and bookkeeping. 

You'll find features like creating and sending invoices, expense management, bank reconciliation, open banking, reporting, and online payments. In terms of services, there's a neat Ask An Accountant option that allows you to speak with a qualified accountant at any time. 

When it comes to other services, Crunch offers Company formation for a one-time fee of £10. If you don't want to do it yourself, Crunch can register your limited company for you. 

Crunch also offers bookkeeping services to keep your accounts up to date. You can purchase a one-off bookkeeping service that starts at £40+ VAT a month. Alternatively, you can get the complete accountancy packages that start from £24.50+VAT a month.

Crunch is best for:

• Freelancers

• Independent contractors

• Sole traders

• Startups

• Small businesses 

• UK-based businesses 

Features

• Invoices and quotes

• Expenses

• Receipt scanning

• Banking

• Tax and VAT

• Integrations

• Reporting

• Ask an accountant

• Company formation

• Bookkeeping

• Payroll 

Pricing

• Free: £0/month 

• Sole Trader Pro: £24.50+VAT/month

• Unlimited Company Pro: £41.50+VAT/month

• Limited Company Premium: £121.50+VAT/month

• Small Business: £159.50+VAT/month

Crunch Accounting review

Visit Crunch
 

11. Odoo Accounting

Odoo is an open-source SaaS solution that offers a range of tools, including sales, productivity, operations, and accounting modules. Odoo Accounting is why we’re covering this Kashflow alternative. In short, the software comes with all the features that support standard bookkeeping and accounting. 

You can create and send invoices, track expenses, receive online payments, manage your bills, and more with this software. Odoo also uses AI to automate repetitive tasks so that you focus on more important things. 

There’s a solid free plan if your budget is tight. Otherwise, there are two monthly plans, ranging from $12 to $18 per user per month. 

Odoo Accounting is best for: 

• Small businesses 

• Medium businesses

• Startups

Features

• Online payments

• Invoicing

• Customer portal

• Account payables

• Accounts receivable 

• Pay bills

• Expenses 

• Bill digitalization

Pricing

• Free plan

• Standard, $12/user/month, billed annually 

• Custom, $18/user/month, billed annually 

Odoo review

Visit Oodo
 

12. GnuCash: best open-source alternative

GnuCash is a free and open-source accounting software for small businesses. You can use the software for free, as it relies on open-source development. If you’re a startup, freelancer, or any kind of small business that needs a lightweight accounting software, GnuCash can be a top pick. 

Another thing to note is that the software uses double-entry accounting, which means you must add data manually. If you prefer working with this method, GnuCash might be a fantastic alternative to KashFlow. 

Some of the features you’ll find include invoicing, payments, and budgeting. You can also work in a different language, as GnuCash supports more than 20 languages. On the plus side, there’s a solid multi-currency functionality that might be a winning point for businesses that operate internationally. You'll also find a wide range of management reports and financial statements that can be used for reporting.

GnuCash is best for:

• Startups 

• Small businesses

• Freelancers 

Features

• Double-entry accounting

• Scheduled transactions

• Reports and graphs

• Statement reconciliation

• Invoicing

• Bill payment

Pricing

• Free to use

GnuCash review

Visit GnuCash

Which of the alternatives to KashFlow is a good choice for you?

In this post, we voted QuickBooks Online as one of the best alternatives to KashFlow for its wide usage, good selection of plans, and ease of use. However, QuickBooks Online might not satisfy some businesses, especially those that need a free plan. 

In this case, consider going with another accounting software we mentioned here. For example, Wave or Sage Accounting can be a top choice if you’re working with a limited budget. 

If you’re a small agency that’s working with multiple clients, ZipBooks can be a top pick as it comes with all the features small accounting agencies need to manage their clients. Some e-commerce businesses might find Zoho Books to be the best KashFlow replacement for their needs. 

The best approach here is to think about your business needs and your budget. Then, take advantage of these accounting solutions' free plans or trials before deciding. If you need further reading resources, we have a separate post that discusses the best  accountancy software.