Accounting software for multiple businesses: the monthly price for 2, 3 and 5 companies

For three businesses, monthly list prices run from $45 on Zoho Books Standard (billed annually) to $420 on QuickBooks Plus. Accountable Pro is $198, Xero Growing $177, Kick Plus $100 to $200, Digits Core $300 and Puzzle Complete about $360. QuickBooks, Xero, Zoho and Digits bill every company separately, so the third company sets the price. Prices checked September 30, 2026; Xero's new prices start October 1.

Updated September 30, 2026 · 6 min read · By the Accountable team

The short version

Three companies cost $45 a month on Zoho Books Standard, $100 to $200 on Kick Plus, $177 on Xero Growing, $198 on Accountable Pro, $300 on Digits Core, about $360 on Puzzle Complete and $420 on QuickBooks Plus.
One login is not one bill: Intuit, Zoho and Digits charge for each company separately, and Xero's own notice says its multi-organization discount is being phased out from October 1, 2026.
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.
Only Accountable, Kick and Intuit Enterprise Suite describe a combined view across companies with eliminations; 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, depending on how each tool bills extra companies

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

Monthly list price for 2, 3 and 5 companies, checked September 30, 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
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
Digits Core	$200	$300	$500	Each business needs its own subscription
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.

One login is not one bill: most 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 will be phased out and no longer applied from October 1, 2026.
Digits: its pricing page says each business requires its own subscription.
Accountable and Kick are the two that price the group: Pro covers 2 companies for $149 and adds $49 for each extra, and Kick Plus covers unlimited entities for $100 with $50 for each entity past 250 transactions a year.

Only a few tools show your companies together, and QuickBooks needs the Advanced plan for it

Combined views across companies, as each vendor describes them on its own pages, September 30, 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, never summed. 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.
Xero	Its US pricing page describes none.
Zoho Books	Its multiple-organization help page does not mention consolidated reporting.
Digits	We found none on its pricing or product pages.
Puzzle	Its help center describes switching between companies under one login and 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.

LLC A pays LLC B's $4,000 cloud bill from its own card

In A's books: debit Due from B $4,000, credit the card payable $4,000. The $4,000 is a receivable from B, not an expense of A.

In B's books: debit Cloud hosting expense $4,000, credit Due to A $4,000.

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 separate QuickBooks, Xero, Zoho or Digits companies 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.

Where each option is better than Accountable

Zoho Books is the cheapest on paper at $15 a month per organization billed annually, with bank feeds on Standard. It is not built around AI categorization, and we did not test its bank rules.
Xero Growing is $177 for three companies against Accountable's $198, and $295 against $296 for five. Xero charges no per-user fees.
Kick Plus is $100 to $200 for three companies, less than $198 when added companies stay under 250 transactions a year, and Kick's plan table lists consolidation and an eliminations ledger.
Intuit Enterprise Suite is built for groups that need consolidation with eliminations across many entities. It is custom-priced, so it suits a larger group than this guide's price table.
QuickBooks is the tool your CPA may already use. Digits states a SOC 2 Type II report and includes bill pay; Accountable's SOC 2 audit is planned and its bank access is read-only.

Pick by how many companies you run

Step 1: Two or three companies with one simple structure: compare Zoho Books, Kick Plus, Xero and Accountable Pro, and count your bank transactions per company against Kick's 250-a-year line.
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 $399 for 10, Kick Advanced at $300, 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.

See the QuickBooks for multiple companies guide for the cost math at Intuit, or bookkeeping for multiple LLCs.

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, and Kick Plus covers unlimited entities for $100 with $50 for each entity past 250 transactions a year. QuickBooks, Xero, Zoho Books and Digits each 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 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 September 30, 2026: