12 questions to ask any accounting software — including us.

There is no promotional rate here, so there is nothing to expire. Free is $0. Starter is $29 a month, or $23 a month if you pay for the year. Growth is $59, or $47 annual. Scale is $99, or $79 annual. The annual price is simply 20% off for paying up front — it is the same number in year two and year three.

If we ever change list prices, you hear about it before your renewal date, and you can cancel at any time without a contract or an exit fee.

One subscription covers one business — one set of books. A second business needs a second subscription, at the same list price as the first. There is no group discount today.

And we should be blunt about the bigger limit: Bokeping does not do multi-entity consolidation at all. There is no way to roll two companies into one consolidated profit and loss or balance sheet, and no intercompany eliminations. If consolidated books are something your business actually needs, do not buy us and plan to work around it — look at a mid-market platform built for group reporting. That is a different category of product, and we would rather say so on this page than in month three.

We do not sell seats. Each plan includes its people: Free and Starter are built for one person, Growth includes up to five team members, Scale is unlimited. You never buy a seat one at a time, and there is no separate rate for a read-only user.

Your accountant or bookkeeper is free on every plan, including Free, and never counts against the team limit. The honest caveat: granular roles and permissions only arrive on Scale. Below that, everyone who has a seat sees the same books — so if you need someone who can enter bills but not see the whole ledger, that is a Scale feature, not a Starter one.

Free caps invoices and estimates at 20 a month, and bank data comes in by CSV import only. Every paid plan removes that cap: unlimited invoices, estimates, bills, contacts and transactions, with no overage billing and no per-document or per-transaction charge on any plan. Bank feeds start on Starter. API access is on Scale.

When you hit the Free cap, nothing breaks and nothing is deleted. Your books, customers and history stay exactly as they are — you simply cannot send the twenty-first invoice until the month rolls over or you upgrade, and everything already entered carries straight across.

Online payments run through Stripe at Stripe’s standard published rates. We add no markup — not a percentage, not a per-transaction fee, and no revenue share. Card, bank transfer, cross-border, currency conversion and chargeback fees are Stripe’s, they vary by country and method, and Stripe publishes them; we deliberately do not restate them here, because a rate card copied onto a marketing page goes stale and misleads.

What we do add is bookkeeping. The processing fee posts as its own expense line rather than being netted quietly out of your income, so your profit and loss shows gross revenue and cost of getting paid as two separate numbers — which is the only way to notice when one of them is growing faster than the other.

We do not sell payroll. So we charge you nothing for it — and we cannot run it for you either. You will need a payroll provider, you will pay them separately, and for most small teams that bill is larger than the Bokeping one. Payroll is a compliance product with a filing calendar and real liability attached, and a mediocre one would be worse than none.

The same answer applies to tax: we do not file anything. Not sales tax returns, not income tax, not year-end forms. Bokeping tracks the sales tax you have collected and keeps books your preparer can work from, but the filing itself belongs to you and to them. Price both of those before you compare our subscription with anyone else’s.

Native, in the ledger: real double-entry with a full audit trail and period lock, on every plan including Free. Inventory with cost of goods from Growth — stock movements post COGS themselves rather than waiting for a journal you remember to write. Multi-currency from Growth, with the exchange differences in the books instead of in a spreadsheet.

Not native, and not available as an add-on either: projects and job costing, revenue recognition schedules, fixed-asset registers with depreciation runs, and consolidation. There is no integration that fixes those for you here. If one of them is load-bearing for how your business reports, we are the wrong tool.

CSV and QBO import are free on every plan, including Free. There is no migration service to buy, because there is not one to sell. The importer reports every row and every column it touched — what landed, what was skipped and why — so a dropped column is something you read in a report, not something you discover in March. Duplicates are detected and skipped, which makes importing generously safe.

Where we would fail this question honestly: attachments and reconciliation status do not travel through a CSV or QBO file. Nothing carries those well. Which is why our actual advice is not a heroic full-history migration — pick a clean start date, bring open invoices, unpaid bills and bank balances across as opening balances, and keep the old system readable for a year.

You do, or your accountant does. We should be straight that this is real work rather than a wizard — an unhurried afternoon for a small business, longer if your old records are messy. Every plan starts with an editable chart of accounts, and our setup guide walks the order that matters: fiscal year, a clean start date, opening balances, then contacts, then tax rates.

What we do not do: we do not perform the setup for you, we do not sell an implementation package, and we do not run your parallel month. Scale includes dedicated onboarding; below that it is self-serve with guides and human support. The mitigation is real, though — accountant access is free on every plan, so bringing in the person who should own this costs you nothing. Run one month in both systems and compare the profit and loss before you retire the old books.

Export at any time, on any plan including Free — contacts, transactions, and the reports and ledger behind them. Your history is yours, and we do not treat it as leverage at renewal. There is no fee to leave and no notice period.

After you cancel, your books stay readable for twelve months: you can sign in, look things up and export again, you just can’t post anything new. That window exists because the year you leave is exactly the year someone asks you about — a lender, a preparer, an audit. Even so, the safe move with any vendor is to take the export the day you cancel and keep the file yourself, rather than depending on anyone’s goodwill a year later.

Email and chat, answered by people, within one business day. Growth and Scale get priority in the queue; Scale also gets dedicated onboarding. We do not put a bot in front of you first, and we do not hand you off to an implementation partner, because we do not have one.

There is no phone number to call. We do not offer phone support today, and we would rather write that sentence than let you discover it during your first bad week. If picking up the phone and reaching a named person the same afternoon is what makes software usable for you, that is a genuine reason to choose someone else.

Ours, unhedged. Subscription on annual billing: $0 on Free, $276 a year on Starter, $564 on Growth, $948 on Scale — and the identical figures in year three, because there is no promotional rate to roll off. Setup: $0, though budget an afternoon of your own time. Migration: $0. Extra seats: $0 within your plan’s count, with your accountant free on top. Payments: Stripe’s rates on what you collect online, with no markup from us.

Then the two lines that are not ours: payroll, which you will buy from a payroll provider, and tax filing, which you will buy from a preparer. Add both before you compare us with anything else — for a business with employees they will comfortably outweigh the software.