Best accounting software for multiple businesses, by monthly price

Three businesses cost $45 to $420 a month: Zoho Books Standard is cheapest, billed annually, and QuickBooks Plus costs the most. QuickBooks, Xero and Zoho bill every company separately, so the third company sets the price.

Updated November 4, 2026 · 6 min read · By the Accountable team

Three businesses cost $45 on Zoho Books to $420 on QuickBooks Plus; Accountable Pro's $198 includes AI that keeps the books

Zoho Books Standard$15 per company, billed yearly; you keep the books$45/mo
Digits CoreBoth extra companies past 250 transactions a year$170/mo
Xero Growing$59 per organization$177/mo
Accountable ProAI keeps all three companies' books, with undo$198/mo
Kick PlusBoth extra companies past 250 transactions a year$200/mo
Puzzle CompleteAbout $120 per company$360/mo
QuickBooks Online Plus$140 per company$420/mo

Monthly list prices for the same three companies, from each vendor's pricing page, checked Nov 4, 2026.

The short version

Three companies cost $45 a month on Zoho Books Standard, $100 to $170 on Digits Core, $100 to $200 on Kick Plus, $177 on Xero Growing, $198 on Accountable Pro, about $360 on Puzzle Complete and $420 on QuickBooks Plus.
One login is not one bill: Intuit and Zoho charge for each company separately, and Xero's own notice says its multi-organization discount ended on October 1, 2026. Digits, Kick and Accountable put several companies on one bill.
At five companies Xero Growing ($295) and Accountable Pro ($296) cost almost the same, and Accountable Holding is $399 for 10 companies, which is cheaper from the eighth company up.
Accountable, Kick and Intuit Enterprise Suite describe consolidated statements with eliminations; Digits offers them through its partner Reach Reporting, and QuickBooks Online Advanced adds multi-company reports in a spreadsheet.
Intuit Enterprise Suite has no public price: Intuit asks you to schedule a call.

Three businesses cost $45 to $420 a month

The table gives each vendor's list price for the same number of companies on the same plan. Xero shows the prices that started October 1, 2026.

Monthly list price for 2, 3 and 5 companies, checked November 4, 2026
Tool and plan	2 companies	3 companies	5 companies	How extra companies bill
Zoho Books Standard (billed annually)	$30	$45	$75	$15 per organization, 3 users each; $20 a month billed monthly
Digits Core	$100 to $135	$100 to $170	$100 to $240	Unlimited entities; from $35 for each entity past 250 transactions a year
Kick Plus	$100 to $150	$100 to $200	$100 to $300	Unlimited entities; $50 for each entity past 250 transactions a year
Xero Growing	$118	$177	$295	Per organization; $55 until September 30, 2026
Accountable Pro	$149	$198	$296	One bill; 2 companies included, $49 for each extra
Puzzle Complete	$240	$360	$600	Puzzle publishes no multi-company price; each company is its own account
QuickBooks Online Plus	$280	$420	$700	Each company is a separate paid subscription

Mercury Books is $0 for Mercury customers through 2026 and $35 a month after, and Mercury does not say how it bills a second business. Intuit Enterprise Suite has no published price.

Accountable Holding is $399 a month for 10 companies with $29 for each extra, so it beats Pro from the eighth company: 8 companies cost $443 on Pro and $399 on Holding.

Many tools charge for every company separately

QuickBooks Online: Intuit's help center says each company you create requires its own separate paid subscription, and that companies share a sign-in while their data stays completely separate. Users are invited to each company separately, and bank connections do not transfer between them.
Zoho Books: one login can switch between organizations, and each organization takes its own plan after a 14-day trial. By default one email can create up to five organizations.
Xero: each organization is its own subscription. Xero's notice on its US price changes says the multi-organization discount was phased out and no longer applies from October 1, 2026.
Digits: since October 27, 2026 every plan covers unlimited entities on one subscription, and each extra one is free for its first 250 transactions a year, then from $35 a month.
Accountable, Kick and Digits price the group: Pro covers 2 companies for $149 and adds $49 for each extra, Kick Plus covers unlimited entities for $100 with $50 for each entity past 250 transactions a year, and Digits Core charges from $35 past the same mark.

Few tools show companies together; QuickBooks needs Advanced

Combined views across companies, as each vendor describes them on its own pages, November 4, 2026
Tool	What it says about a combined view
Accountable	All companies shows each company's cash, burn, runway and closed month side by side, with your total cash across them. Consolidated statements with eliminations are on Holding.
Kick	Its plan table lists consolidated reports, an eliminations ledger and intercompany exceptions, and its home page describes multi-entity journal entries and intercompany receivables and payables.
QuickBooks Online	Advanced lets you group companies in Spreadsheet Sync and run consolidated reports in a spreadsheet; Simple Start, Essentials and Plus companies can join a group.
Intuit Enterprise Suite	Consolidated reports with automatic eliminations and intercompany journal entries, set up from the parent company. No public price.

All companies in Accountable's demo books: $3,441,333 of cash across three companies, with each company's cash beside it.

The rest describe less. Xero's US pricing page describes no combined view, and Zoho Books' multiple-organization help page does not mention consolidated reporting. Digits offers consolidated reporting through its partner Reach Reporting, and Puzzle's help center describes switching between companies under one login with no combined report.

A combined view matters when you report the group to investors, a lender or your CPA. If you only need to see each company's numbers, a side-by-side list is enough. See consolidated financial statements.

When one company pays another's bill, both companies' books change

Separate companies share money and costs in practice, and the books must show it on both sides. This is where separate subscriptions cost you time.

A is owed $4,000, B owes $4,000, and the pair ties

Journal entry · Jul 15, 2026 · Paid LLC B's cloud bill on A's cardPosted

Both companies show $4,000

Account	Debit	Credit
A · Due from B	$4,000.00
A · Business card		$4,000.00
B · Cloud hosting	$4,000.00
B · Due to A		$4,000.00
Balanced	$8,000.00	$8,000.00

Each company's two lines balance on their own. Accountable posts both sides together as one linked pair.

The $4,000 is a receivable from B, not an expense of A. When B repays A, A debits cash and credits Due from B, and B debits Due to A and credits cash. The two balances must match: if A says B owes $4,000 and B says it owes $3,800, one side has an error.

In QuickBooks, Xero, Zoho or Digits you post both entries yourself. Accountable's New intercompany entry previews both sides and posts them together, Kick describes automatic intercompany entries, and Intuit Enterprise Suite creates the entries from the parent company. See the intercompany transactions guide.

Pick by how many companies you run

Step 1: Two or three companies with one simple structure: compare Zoho Books, Digits Core, Kick Plus, Xero and Accountable Pro, and count your bank transactions per company against the 250-a-year line Digits and Kick use.
Step 2: Four to seven companies, or a founder who asks an AI agent to work across them: price Accountable Pro, Kick Plus and Xero, and ask which ones let the agent write and which need an owner's approval.
Step 3: Eight or more companies, or a holding company that reports a group: Accountable Holding at $457 for 12, Kick Plus at $650 for 12 busy entities ($100 + 11 × $50; Advanced starts at $300 and adds the same $50s), or Intuit Enterprise Suite by quote.
Step 4: Whatever you pick, check that each company exports a full general ledger, and keep one copy per month-end.

Twelve companies cost $457 a month on Accountable Holding, the lowest here

Accountable Holding$399 for 10, +$29 each extra; consolidated statements$457/mo
Digits Core$100, +$35 for each busy extra company$485/mo
Kick Plus$100, +$50 for each busy extra company$650/mo

List prices checked Nov 4, 2026, with every extra company past 250 transactions a year. Holding is $28 a month less than Digits Core and $193 less than Kick Plus for the same 12.

See the QuickBooks for multiple companies guide for the cost math at Intuit, Xero for multiple companies, or bookkeeping for multiple LLCs. Head to head with the two per-company tools: Accountable vs QuickBooks and Accountable vs Xero. The ten-tool table is on the AI accounting software page, and every guide is listed in one place.

Questions founders ask

Can one accounting subscription cover multiple businesses?

Some can. Accountable Pro covers 2 companies for $149 and Holding covers 10 for $399, Kick Plus covers unlimited entities for $100 with $50 for each entity past 250 transactions a year, and Digits Core covers them for $100 with each entity past that mark from $35. QuickBooks, Xero and Zoho Books bill every company separately.

What is the cheapest accounting software for multiple small businesses?

By list price, Zoho Books Standard at $15 an organization billed annually, then Digits Core, Kick Plus and Xero Growing. Cheapest is not always right: check the users each plan allows and whether it categorizes your bank transactions automatically.

Can I use one QuickBooks file for several LLCs?

You can with class tracking, but one file has one balance sheet and one set of bank accounts. Separate legal entities normally get separate books, so each is its own company and its own subscription.

Do I need consolidated financial statements for multiple companies?

Only if someone asks for the group's combined numbers, such as investors, a lender or your CPA. Otherwise a side-by-side view of each company is enough.

How many companies can I add?

Zoho says one email can create up to five organizations by default. Intuit's help article states no maximum for QuickBooks, and Accountable, Kick and Xero publish none.

Three companies on one bill for $198, side by side

Accountable Pro covers 2 companies for $149 a month and each extra is $49, with one login and Control+1 to 9 (Alt on Windows) to switch. All companies shows each company side by side and never sums cash or runway, and intercompany entries post on both sides. See multi-entity accounting.

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Sources, checked November 4, 2026: