Record double-entry accounts in plain-text files and generate financial reports.
Everything (plain-text double-entry)

Business & marketing
Manage small-business accounts, invoices and financial reports.
Manage small-business accounts, invoices and financial reports.
Run local double-entry accounting, invoicing, general ledger, and financial reporting without a QuickBooks or Xero subscription. Multi-user cloud collaboration is not included.
Cloud and multi-user editions are paid. Keep local backups; bank automation, payroll and tax requirements need separate evaluation. For Zoho Books: Run local bookkeeping, invoices, purchase invoices and multi-currency accounts with Manager Desktop, free for one user. Cloud and multi-user editions are paid. No claim of automatic bank feeds, jurisdiction-specific tax filing or full Zoho integrations; check accounting requirements and keep backups.
Each comparison covers the workflow described above, rather than every paid feature.