And it doesn't integrate with third-party payroll providers either. Unfortunately, even though it’s a solid accounting tool, Zoho Books has one huge flaw: Zoho doesn't offer a payroll plan integration unless you live in California, Texas, or India. Zoho also offers discounts to nonprofits-one reason it's among our top financial management software picks for nonprofits that need true fund accounting. That’s a standout bargain, especially compared to FreshBooks' extra $10 per user per month. The cheapest plan includes three users, but you can also pay an extra $2.50 per month for each additional user.

Otherwise, Zoho Books starts at $15 a month if you pay annually or $20 if you pay month to month. Here's the best part: if you make under $50K a year, you can take advantage of Zoho Books' free plan. Each Zoho product integrates easily with the rest, which means that along with accounting, you can use Zoho for project management, inventory management, and customer relationship management (CRM)-just for a start.

Plus, Zoho Books is just one piece of software in the larger suite of Zoho products.

Most notably, it lets you set automatic customer payment reminders, create recurring expense profiles, and manage 1099 contractors. Zoho Books automates the most common (and, let's face it, boring) bookkeeping tasks-which means you can dedicate more time to your business and customers and less time to the tedious task of data entry.

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