Accounting software that costs what it should: nothing
Invoicing, bills, bank feeds, and financial statements your accountant will respect — free cloud bookkeeping for unlimited users, forever. No tiers, no trial, no per-seat fees.
Free. No card. About two minutes to set up.
From quote to paid, without chasing
Quotes signed online become invoices in one click. Invoices become hosted pages your client pays by card — on your own Stripe, PayPal or Wise.
- Automatic payment reminders and late fees
- Recurring invoices and retainers that send themselves
- Payment plans — split any invoice into scheduled installments
- Tipping at checkout, booked straight to a tips income account
- Partial payments, credit notes and write-offs handled properly
Your bank does the data entry
Connect your bank and transactions flow in, categorize themselves by your rules and your history, and match the invoices and bills they settle. You confirm; the books stay current.
- Bills by email — forward a vendor PDF and it lands ready to approve
- Conservative matching: it suggests, you confirm, nothing double-counts
- CSV import for banks without feeds
Books your accountant will respect
Not an invoice app with a reports tab — a full statement suite that reconciles by construction.
- P&L (accrual and cash), balance sheet, cash flow, trial balance
- AR/AP aging that reconciles to the balance sheet, line by line
- Double-entry manual journals, immutable once posted
- Period locks — close the books and nothing sneaks behind the date
- Multiple legal entities, each with its own currency and fiscal year
See a cash crunch 90 days early
Open invoices and upcoming bills project your balance forward — with the lowest point ahead flagged, and your runway in months if you're burning. Elsewhere this is the upsell; here it's included.
Small things that decide whether you like your accounting software
We studied where the incumbents make daily work annoying — then built the annoyances out.
- Multiple legal entities, with roll-up — run a holding company and an operating company in one organization — each entity with its own currency, fiscal year, numbering and letterhead, plus consolidated all-entity views. Elsewhere this means a second subscription.
- Payment details that follow the entity — pick the billing entity on a document and its bank accounts and payment instructions come with it — the right details print on the right invoice, every time.
- Global search, everywhere — one search box finds the client, the invoice, the project or the conversation — instead of five per-screen filter bars and a scavenger hunt for last year's customer.
- Send from your own email — connect your own mail server and invoices, reminders and follow-ups go out as you, from your address — automated reminder schedules and late fees included, not sold as an upgrade.
- Numbers that behave — gap-free invoice numbering per entity, letterhead snapshotted onto each document so history never rewrites, partial payments, credit notes, overpayments and write-offs all handled properly.
- Granular permissions, actually granular — custom roles as per-module permission bundles, people holding several roles get the union, and a role can be ring-fenced to one legal entity. Read-only users never even see an edit button. Most tools in this table have one admin switch.
- Categorization that learns you — your rules run first, then per-merchant learning from your own history fills the gaps — and emailed vendor PDFs are read into draft bills by AI on your own key.
- Books that survive an audit conversation — immutable posted entries, reversal-only corrections, a period lock without bypasses, and an audit trail on every action.
The books are connected to the business
These aren't accounting features — they're what happens when the accounting lives with the projects, the calendar and the CRM.
Timers run on project tasks with rates frozen at entry; unbilled hours sweep onto the next invoice or the monthly retainer. No export, no re-keying.
Attach a delivery template to a product: the moment its invoice is paid, the project — stages, tasks, owners — creates itself. Sell it, and it's already scheduled.
Invoice lines are revenue; bills, hours and loaded payroll are costs — on the same job object. Profit per project, client and service line, continuously.
Open a client and see their invoices, projects, meetings, files and conversations on one page. 'What's going on with Acme?' takes four seconds, not four tabs.
Hosted invoices with card payment, quotes signed by typing a name, a no-password portal — and business clients on the network get your invoice as their bill.
A paid booking is simultaneously a meeting, a calendar block and a settled, categorized invoice. The scheduling tool and the books were never separate.
The going rate for accounting is $240–$1,400 a year
Here's the market, side by side. Every row links to a full, fair comparison.
| Tool | Price | Users | |
|---|---|---|---|
| Coordinator | $0 — every feature | Unlimited, free | Start free → |
| Wave Accounting | "Free" — single-user, no bank feeds, can't even email invoices; Pro ~$19/mo | Free tier is single-user; collaborators require Pro | Full comparison → |
| QuickBooks Online | From ~$38/mo (1 user, no inventory/projects); ~$140/mo for 5 users | Hard user limits per tier: 1 → 3 → 5 → 25 | Full comparison → |
| Xero | From ~$25/mo (capped: 20 invoices, 5 bills/mo); ~$90/mo for the full set | Unlimited users on all plans (genuinely) | Full comparison → |
| FreshBooks | From ~$23/mo (5-client cap) + $11 per extra user | One user included; every extra seat is paid | Full comparison → |
| Zoho Books | "Free" until you grow (revenue cap, 1 user); paid ~$20–$70/mo | 1 user free; paid plans include a few, extra seats cost | Full comparison → |
Competitor pricing and limits are approximate, from published plans as of August 2026.
The books aren't even a quarter of it
The same free account runs your projects with job costing, booking pages and team scheduling, chat, client records and forms, a client portal, a storefront and the cross-company network — all sharing one client list and one set of books.
Free accounting software, without the asterisk
Real accounting. Chart of accounts, bills and vendor management, bank feeds with matching, manual journals, period locks, and full statements — profit & loss (accrual and cash basis), balance sheet, cash flow, AR/AP aging and a trial balance that reconcile with each other.
Because Coordinator never sits in the middle of your money. Payments run on your own Stripe, PayPal or Wise — we don't process transactions, hold balances or take a cut, so our costs don't scale with your revenue. Free is also how the network grows, and the network is the point.
Yes. Your bookkeeper, your whole team, your business partner — everyone joins free, with role-based permissions so each person sees only what they should.
That's who the deep end was built for: double-entry manual journals, immutable posted entries with reversal-only corrections, a books-close date nothing bypasses, and a trial balance. Invite them as a user with their own role — free, like every seat.
Switching from Wave, there's a dedicated CSV importer for your books. From anywhere else: bring contacts in via Google Contacts or CSV, rebuild your product list, and post opening balances with a journal at a month end — the clean-cutover method accountants prefer.
There isn't one hiding in a tier table — there are no tiers. Every feature, every seat, every organization, $0. Payments settle on your own accounts, and your data leaves with you if you ever go.
Open your books tonight
Free cloud accounting for unlimited users — set up in minutes, invite your accountant, keep the subscription money.
Free. No card. About two minutes to set up.