Our picks by task
Quotes & invoices
- Xero: Send professional invoices and track who has paid, linked to your bookkeeping.
- QuickBooks Online: Create invoices and quotes (estimates) and see what's outstanding.
- Zoho Books: Free plan includes invoices and quotes for solo and micro businesses.
Social media posts
- Canva: Templates and AI tools for quick posts and stories; there's a free plan.
- Buffer: Schedule a week of posts in one go; free plan covers 3 channels.
- Later: Visual planner suited to photo focused Instagram and TikTok posting.
Customer replies & email
- Microsoft 365 Copilot Business: Drafts and summarises emails inside Outlook if you're on Microsoft 365.
- Claude: Helpful for calm, careful wording on tricky complaints or long emails.
- Grammarly: Checks spelling and tone so replies read professionally; free plan available.
Bookkeeping & tax
- QuickBooks Online: Accounting with bank feeds and AI categorisation; a free plan in the US and MTD compatible software in the UK.
- Xero: Popular cloud accounting with bank feeds and invoicing; in the UK it handles MTD compatible VAT returns.
- Wave: Free Starter plan for invoicing and basic bookkeeping; Pro adds bank transaction import.
Product or service listings
- ChatGPT: Draft titles, bullet points and descriptions. Check facts and marketplace rules before posting.
- Claude: Rewrite service descriptions in plain English for Google Business Profile or directories.
- Canva: Make clear price lists, menus or service graphics.
Bookings & scheduling
- Calendly: Send a link and let customers pick a time; free plan available.
- Setmore: Free booking page for small teams (up to 4 users).
- Square Appointments: Free single location booking calendar that ties in with Square payments.
Website & marketing copy
- Wix: Build a site without code, with AI text and layout tools; free plan available.
- Hostinger Website Builder: Low cost AI website builder. Check the renewal price, not just the intro price.
- ChatGPT: Free first drafts of your About page, service pages and FAQs.
Compare prices
| Tool | Starting price | Free plan | Free trial | Best for | Source |
|---|---|---|---|---|---|
| Xero | GBP: Ignite £18/month (excl. VAT); USD: Early $27/month (intro discount shown) | No | Not stated (intro discount shown) | Invoicing and bookkeeping for most small businesses | Official pricing |
| QuickBooks Online | USD: Simple Start $38/month (intro discount shown) | Yes (US only: 1 user, 2 invoices a month) | 30 day free trial | Bookkeeping with built in AI on paid plans, plus a free US plan | Official pricing |
| Zoho Books | USD: Standard $15/org/month billed annually ($20 monthly) | Yes (for solopreneurs and micro businesses) | Free trial offered | Solo businesses wanting free accounting software | Official pricing |
| Canva | USD: Pro US$144/year for one person | Yes | Free trial of Pro offered | Social posts, flyers, menus and price lists | Official pricing |
| Buffer | USD: Essentials $5/month per channel (billed annually) | Yes (3 channels) | 14 day free trial | Scheduling posts across a few social accounts | Official pricing |
| Later | USD: Starter $18.75/month (billed annually) | No | 14 day free trial | Image focused businesses such as salons, cafés and photographers | Official pricing |
| Microsoft 365 Copilot Business | GBP: Extra from £16.10 per user/month, billed annually (excl. VAT); USD: Extra from $21 per user/month, billed annually ($18 offer shown) | No | Not stated | Businesses already on Microsoft 365 | Official pricing |
| Claude | USD: Pro $20/month ($17/month billed annually) | Yes | Not stated | Longer documents, careful rewrites and policy wording | Official pricing |
| Grammarly | USD: Pro from $12 (billing period varies) | Yes | Not stated | Making customer emails and replies clear and professional | Official pricing |
| Wave | USD: Pro $190/year (billed annually) | Yes (Starter plan $0) | Not stated | Freelancers and very small businesses wanting free invoicing | Official pricing |
| ChatGPT | USD: Go $8/month (Plus $20/month) | Yes | Not stated | Drafting emails, quote wording, posts and descriptions | Official pricing |
| Calendly | USD: Standard $10/seat/month (billed annually) | Yes | Not stated | Consultations, discovery calls and site visits | Official pricing |
| Setmore | USD: Pro $5/user/month (billed annually) | Yes (up to 4 users) | Not stated | Simple booking pages for small teams | Official pricing |
| Square Appointments | GBP: Plus £29/month per location; USD: Plus $49/month per location; AUD: Plus A$40/month per location; CAD: Plus C$35/month per location; EUR: Plus €19/month + VAT per location (Ireland) | Yes (single location) | Not stated | Appointment based businesses that also take card payments | Official pricing |
| Wix | Check site | Yes | 14 day money back guarantee | A simple website without a developer | Official pricing |
| Hostinger Website Builder | GBP: Premium £2.39/month on a 48 month term (renews at £10.99/month) | No | 30 day money back guarantee | A budget website for a local business | Official pricing |
Prices are the starting paid plans on each official pricing page, in the currency shown there.
Verdict by business type
- Just starting, zero budget: begin with free plans: QuickBooks Online, Zoho Books, Canva, Buffer, Claude.
- Growing team: pick one job management or booking system from the list and add an AI assistant for writing.
- Outside the US and UK: many prices are shown in USD or GBP; check the local pricing page.
FAQ
What is the best free AI tool for accountants and bookkeepers?
Tools in this guide that listed a free plan on their official pages: QuickBooks Online, Zoho Books, Canva, Buffer, Claude, Grammarly, Wave, ChatGPT, Calendly, Setmore, Square Appointments, Wix.
How much do AI tools for accountants and bookkeepers cost?
Costs range from free plans to paid monthly subscriptions. The table shows each starting price, with a link to its official pricing page.
Are these picks paid for?
No. We pick tools by how well they fit the job and by their official prices. Featured spots are paid and always badged.
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