Compare Bookkeeping software
Compare Canadian-friendly bookkeeping platforms — QuickBooks Online, Xero, Wave, FreshBooks, Sage Business Cloud, and Zoho Books side by side: free tiers, Canadian-built options, GST/HST handling, bank feeds, payroll integration, and support windows. Includes the bundled Start Kit Books option.
| Compare |  QuickBooks Online |  Xero |  Wave |  FreshBooks |  Sage Business Cloud |  Zoho Books |
|---|---|---|---|---|---|---|
| Built in Canada | 🇨🇦 | 🇨🇦 | ||||
| Type | Full-service | Full-service | Self-service | Self-service | Full-service | Self-service |
| Overview | The most popular small business accounting software in Canada. Invoicing,… | Cloud accounting built for small businesses. Beautiful interface,… | Free accounting and invoicing for small businesses. Canadian-made, no… | Designed for service-based businesses and freelancers. Excellent… | Enterprise-grade accounting scaled down for small businesses. Strong… | Affordable cloud accounting that integrates with the full Zoho suite. Good… |
| Best for | Paid plans | Paid plans | Free tier available | Paid plans | Paid plans | Free tier available |
| Price | $20–$70/mo | $18–$54/mo | Free (payroll extra) | $11–$55/mo | $15–$50/mo | Free–$35/mo |
| Coverage | All provinces (Canadian edition with GST/HST/QST) | All provinces (Canadian edition with GST/HST) | All provinces (Canadian-built; GST/HST tracking) | All provinces (Canadian-built) | All provinces (Sage Business Cloud Canada) | All provinces (Canadian edition with GST/HST) |
| Support | 24/7 chat; phone callback Mon–Fri | 24/7 online support (chat + email); no phone | Email + chat support (Pro plan); community for Free | Phone + email Mon–Fri 8a–8p ET | Phone + chat Mon–Fri (Canadian business hours) | Email 24/5; chat + phone on higher tiers |
| Features | ||||||
| Free tier (no time limit) | ||||||
| Custom invoicing + estimates | ||||||
| Recurring invoicing | ||||||
| Card / ACH processing | ||||||
| Bank feeds (Canadian FIs) | ||||||
| Mobile receipt capture / OCR | ||||||
| Multi-currency on paid plans | ||||||
| GST / HST / QST reports | ||||||
| Time tracking included | ||||||
| Project / job profitability | ||||||
| Mileage tracking | ||||||
| Accountant collaboration | ||||||
| Canadian payroll add-on | ||||||
| Open API / app marketplace | ||||||
| Mobile app (iOS + Android) | ||||||
| Sign up | Sign up at QuickBooks Online | Sign up at Xero | Sign up at Wave | Sign up at FreshBooks | Sign up at Sage Business Cloud | Sign up at Zoho Books |
QuickBooks Online
QuickBooks Online- Built in Canada
- Type
- Full-service
- Overview
- The most popular small business accounting software in Canada. Invoicing,…
- Best for
- Paid plans
- Price
- $20–$70/mo
- Coverage
- All provinces (Canadian edition with GST/HST/QST)
- Support
- 24/7 chat; phone callback Mon–Fri
Features
- Free tier (no time limit)
- Custom invoicing + estimates
- Recurring invoicing
- Card / ACH processing
- Bank feeds (Canadian FIs)
- Mobile receipt capture / OCR
- Multi-currency on paid plans
- GST / HST / QST reports
- Time tracking included
- Project / job profitability
- Mileage tracking
- Accountant collaboration
- Canadian payroll add-on
- Open API / app marketplace
- Mobile app (iOS + Android)
Xero
Xero- Built in Canada
- Type
- Full-service
- Overview
- Cloud accounting built for small businesses. Beautiful interface,…
- Best for
- Paid plans
- Price
- $18–$54/mo
- Coverage
- All provinces (Canadian edition with GST/HST)
- Support
- 24/7 online support (chat + email); no phone
Features
- Free tier (no time limit)
- Custom invoicing + estimates
- Recurring invoicing
- Card / ACH processing
- Bank feeds (Canadian FIs)
- Mobile receipt capture / OCR
- Multi-currency on paid plans
- GST / HST / QST reports
- Time tracking included
- Project / job profitability
- Mileage tracking
- Accountant collaboration
- Canadian payroll add-on
- Open API / app marketplace
- Mobile app (iOS + Android)
Wave
Wave- Built in Canada
- 🇨🇦
- Type
- Self-service
- Overview
- Free accounting and invoicing for small businesses. Canadian-made, no…
- Best for
- Free tier available
- Price
- Free (payroll extra)
- Coverage
- All provinces (Canadian-built; GST/HST tracking)
- Support
- Email + chat support (Pro plan); community for Free
Features
- Free tier (no time limit)
- Custom invoicing + estimates
- Recurring invoicing
- Card / ACH processing
- Bank feeds (Canadian FIs)
- Mobile receipt capture / OCR
- Multi-currency on paid plans
- GST / HST / QST reports
- Time tracking included
- Project / job profitability
- Mileage tracking
- Accountant collaboration
- Canadian payroll add-on
- Open API / app marketplace
- Mobile app (iOS + Android)
FreshBooks
FreshBooks- Built in Canada
- 🇨🇦
- Type
- Self-service
- Overview
- Designed for service-based businesses and freelancers. Excellent…
- Best for
- Paid plans
- Price
- $11–$55/mo
- Coverage
- All provinces (Canadian-built)
- Support
- Phone + email Mon–Fri 8a–8p ET
Features
- Free tier (no time limit)
- Custom invoicing + estimates
- Recurring invoicing
- Card / ACH processing
- Bank feeds (Canadian FIs)
- Mobile receipt capture / OCR
- Multi-currency on paid plans
- GST / HST / QST reports
- Time tracking included
- Project / job profitability
- Mileage tracking
- Accountant collaboration
- Canadian payroll add-on
- Open API / app marketplace
- Mobile app (iOS + Android)
Sage Business Cloud
Sage Business Cloud- Built in Canada
- Type
- Full-service
- Overview
- Enterprise-grade accounting scaled down for small businesses. Strong…
- Best for
- Paid plans
- Price
- $15–$50/mo
- Coverage
- All provinces (Sage Business Cloud Canada)
- Support
- Phone + chat Mon–Fri (Canadian business hours)
Features
- Free tier (no time limit)
- Custom invoicing + estimates
- Recurring invoicing
- Card / ACH processing
- Bank feeds (Canadian FIs)
- Mobile receipt capture / OCR
- Multi-currency on paid plans
- GST / HST / QST reports
- Time tracking included
- Project / job profitability
- Mileage tracking
- Accountant collaboration
- Canadian payroll add-on
- Open API / app marketplace
- Mobile app (iOS + Android)
Zoho Books
Zoho Books- Built in Canada
- Type
- Self-service
- Overview
- Affordable cloud accounting that integrates with the full Zoho suite. Good…
- Best for
- Free tier available
- Price
- Free–$35/mo
- Coverage
- All provinces (Canadian edition with GST/HST)
- Support
- Email 24/5; chat + phone on higher tiers
Features
- Free tier (no time limit)
- Custom invoicing + estimates
- Recurring invoicing
- Card / ACH processing
- Bank feeds (Canadian FIs)
- Mobile receipt capture / OCR
- Multi-currency on paid plans
- GST / HST / QST reports
- Time tracking included
- Project / job profitability
- Mileage tracking
- Accountant collaboration
- Canadian payroll add-on
- Open API / app marketplace
- Mobile app (iOS + Android)