Pricing
Simple, Transparent Pricing
Pick your modules. Pay for what you use. No surprises.
Build your plan
Accounting, bank reconciliation, reports, dashboard
$6/user/mo
Create, send, and get paid
Track vendor bills & AP aging
Timers, timesheets, billable hours
Job costing & profitability
FIFO stock tracking & alerts
Live connections to 12,000+ banks
160+ currencies, auto rates
Your CarteFi Plan
$15/month
Equivalent QuickBooks plan
Simple Start at $38/mo
You save: $23/mo ($276/year)
14 days free. All modules included. No credit card required.
Module Details
Everything each module includes
Base Platform
$15/mo- Double-entry accounting engine
- Bank CSV import & categorization
- Bank reconciliation
- Dashboard with real-time KPIs
- Chart of accounts management
- Journal entries & general ledger
- Fiscal period management
Additional Users
$6/user/mo- Role-based access (viewer, editor, accountant, admin)
- Activity audit trail per user
- Granular permission controls
- Up to 25 additional users
Invoicing
$8/mo- Professional invoice templates
- Online credit card & ACH payments
- Automatic payment reminders
- Recurring invoices
- Estimates & quotes
- AR aging reports
Bills & AP
$8/mo- Vendor bill tracking
- AP aging reports
- Bill approval workflows
- Payment scheduling
- 1099 management
- Expense quick-entry
Time Tracking
$6/mo- Start/stop timers
- Weekly timesheets
- Billable vs. non-billable hours
- Convert time entries to invoices
- Team time tracking
- Time reports by client or project
Project Accounting
$8/mo- Job costing & profitability analysis
- Budget vs. actual tracking
- Project-level P&L reports
- Resource allocation
- Milestone tracking
- Class & location tracking
Inventory
$10/mo- FIFO stock tracking
- Low stock alerts
- Purchase orders
- Inventory valuation reports
- Multi-location support
- Barcode scanning (coming soon)
Plaid Bank Sync
$5/mo- Live connections to 12,000+ banks
- Automatic daily transaction import
- Smart categorization rules
- Real-time balance updates
Multi-Currency
$5/mo- 160+ currencies supported
- Automatic exchange rate updates
- Foreign currency invoicing
- Unrealized gain/loss tracking
Always free on every plan
Reporting & Analytics
Free- P&L, balance sheet, cash flow, trial balance
- Custom date ranges
- Comparative reports
- Dashboard KPIs
Data Export
Free- CSV, JSON, and QuickBooks-compatible export
- Full transaction history
- Audit trail export
- Bulk export tools
API Access
Free- Full REST API
- Webhook support
- API documentation
- Rate limits: 1,000 requests/minute
Our Pricing Promises
Fair pricing is a feature, not a marketing claim
Price increases capped
CPI + 2% maximum, communicated 90 days in advance. No surprise price hikes.
No introductory discounts
The price you see is the price you pay. No bait-and-switch after year one.
Free reporting, forever
P&L, balance sheet, cash flow, and data export are included on every plan. Always.
14-day free trial
All modules included. No credit card required. No commitment.
Month-to-month billing
Cancel anytime. No cancellation fees. Prepay annually for 15% off.
90-day data retention
After cancellation, your data remains exportable for 90 days. We never hold your data hostage.
How CarteFi Compares
See the difference
| Feature | CarteFi | QuickBooks | Xero | FreshBooks | Wave |
|---|---|---|---|---|---|
| Starting price | $15/mo | $38/mo | $29/mo | $19/mo | Free |
| Users included | 1 | 1 | 1 | 1 | Unlimited |
| Additional user cost | $6/user | $13/user | $5.50/user | $11/user | Free |
| Time tracking | $6/mo add-on | Essentials+ ($75) | Projects ($78) | All plans | |
| Invoicing | $8/mo add-on | All plans | All plans | All plans | |
| Bill management | $8/mo add-on | Essentials+ ($75) | All plans | ||
| Inventory | $10/mo add-on | Plus+ ($115) | All plans | ||
| Reporting | |||||
| Class/location tracking | Plus+ ($115) | Growing ($78) | |||
| Data export | |||||
| API access | Paid add-on | ||||
| Bank connections | $5/mo add-on | All plans | All plans | All plans | |
| Price increase policy | CPI + 2% cap | Unannounced | Unannounced | Unannounced | N/A |
Pricing FAQ
Common pricing questions
What is included in the base platform?
The base platform ($15/mo) includes double-entry accounting, bank CSV import, bank reconciliation, a real-time dashboard, chart of accounts management, journal entries, and fiscal period management. Reporting, data export, and API access are always free on top of this.
Can I change my modules at any time?
Yes. Add or remove modules at any time from your settings. Changes take effect immediately. If you remove a module mid-billing cycle, you will receive a prorated credit.
Is there a discount for annual billing?
Yes. Prepay annually and save 15% on your total bill. You can switch between monthly and annual billing at any time.
What happens after my free trial?
After 14 days, you choose which modules to keep. You are only billed for the modules you select. Your data is preserved regardless of which modules you enable or disable.
Do I need a credit card to start the trial?
No. Start your 14-day trial with just an email address. We will ask for payment details when you are ready to subscribe.
How does CarteFi compare to QuickBooks pricing?
Most businesses save 50-75% compared to their equivalent QuickBooks plan. Use our pricing calculator above to see your exact savings based on the modules you need.
Ready to stop overpaying for accounting?
Start your free 14-day trial. All modules included. No credit card required.
Start Free Trial