2026年最佳Accounting——适用于Solopreneurs
Wave — Wave 给个人创业者提供真正的会计软件——开票、收据扫描、财务报表——真的 $0——等你超出需求了再花钱买会计工具。
价格: Free
Wave
FreeCompletely free accounting and invoicing — no catch
推荐理由
Unlimited invoicing, receipt scanning, and financial reports for $0 — solopreneurs making under $100K have no reason to pay for accounting software
致命缺点
No inventory tracking, no project tracking, and payment processing has fees
QuickBooks Self-Employed
$15/moTax-category tracking designed for sole proprietors
推荐理由
Automatically separates business and personal expenses, estimates quarterly taxes, and exports Schedule C — tax time takes 30 minutes instead of 3 days
致命缺点
Can't upgrade to full QuickBooks without starting over — you're locked in
FreshBooks
$17/moBeautiful invoicing that makes you look bigger than a one-person shop
推荐理由
Professional invoices with online payment, automated reminders, and expense tracking — clients take you seriously
致命缺点
Lite plan limited to 5 billable clients — most solopreneurs outgrow it fast
Zoho Books
Free / $15/moFree accounting for businesses earning under $50K/year
推荐理由
Full double-entry accounting free for small businesses — more sophisticated than Wave with better automation
致命缺点
Revenue cap on free tier and fewer integrations than QuickBooks
Xero
$15/moClean, modern accounting that solopreneurs won't dread opening
推荐理由
Beautiful interface, smart bank reconciliation, and unlimited users mean your accountant can access without you paying extra
致命缺点
No free tier and the $15/mo Starter plan limits invoices and bills
评测标准
- ✓完全免费，开票、费用追踪和财务报告没有层级限制——唯一一个真正值得用的免费会计工具
- ✓创建专业发票并带有在线支付链接（信用卡和银行转账），让客户更快付款，让你看起来更专业
- ✓收入和费用报告、资产负债表和销售税追踪帮个人创业者为税季做好准备，基础申报不需要会计师