Fiskl vs QuickBooks Online (2026): which should you pick?

Pick Fiskl if

• Fits if you invoice in several currencies as a freelancer
• Works for small firms that want an AI assistant to categorise transactions

Look elsewhere if

• Tight if you want a free plan, because there isn't one after the 30 days
• Watch out: Solo allows 1 user and 2 bank connections, and more needs Pro or Prime
• Watch out: extra AI tokens cost USD 50 for 30M and expire after 6 months
• Watch out: extra team members are billed per user monthly
• Watch out: prices are in ringgit and local taxes may apply

Pick QuickBooks Online if

• Fits if your accountant wants to work in the same books as you
• Works for US businesses that expect to add payroll, inventory or project tracking later

Look elsewhere if

• Pricey if you're a small team or need inventory and budgets: $85 a month for 3 users, $140 for Plus with 5
• Watch out: the advertised prices are half off for 3 months only, then $38, $85, $140 or $340 a month
• Tight if you're on the free plan: 2 invoices a month, 1 bank, and no accountant access or mobile app
• Pricey if you need payroll, at $50 a month plus $7 an employee on top
• Skip it if you're outside the US, as these are US plans and prices and other countries have their own sites

Fiskl

• The pricing page was read in Malaysian ringgit and no dollar price was readable, so the figures here are RM and may differ for US buyers.
• User and bank limits rise by plan: Solo is 1 user and 2 banks, Pro is 5 and 4, Prime is 10 and unlimited.
• Extra AI tokens cost USD 50 for 30M and expire after 6 months, and extra team members are billed per user monthly.
• The pricing page says local taxes may apply.

QuickBooks Online

• The advertised prices are a 50% discount for the first 3 months; the plan then renews at $38, $85, $140 or $340 a month.
• Each plan caps users: 1 on Simple Start, 3 on Essentials, 5 on Plus and 25 on Advanced.
• Payroll costs extra: Workforce Payroll alone is $50 a month plus $7 per employee, and Premium is $88 plus $13 per employee.
• These are US prices and plans; Intuit runs separate country sites for Canada, the UK, Australia, India and others.

Fiskl

Multi-currency accounting

Supports 170+ currencies and 60+ invoice and payment languages, with automated FX gains and losses on Prime.

Bank connections

Connects to 21,000+ banks, with AI categorizing and matching of each transaction to invoices or bills.

Invoices, quotes and expenses

Sends invoices and quotes, tracks bills and expenses, and extracts details from receipts with AI.

Fi AI assistant

Fi answers questions about the ledger in many languages; higher plans add forecasting, scenario planning and anomaly detection.

Stripe reconciliation

Pro and Prime match Stripe payouts to the invoices and fees they contain.

Accountant access

Every plan allows accountant access, and a separate portal called Atlas shows an accounting firm all its client companies.

QuickBooks Online

Bank feeds and automatic categorizing

Connect bank and card accounts and QuickBooks learns how you categorize transactions, then matches and records new ones the same way.

Invoices and online payments

Send invoices and estimates, take card and bank payments through QuickBooks Payments, and get status updates and reminders.

Bills and accounts payable

Organize and pay bills by ACH from paid plans. Standard ACH payments beyond the monthly allotment cost $0.50 each.

Reports, budgets and projects

Profit and loss and sales reports on every paid plan. Budgets, project profitability, inventory and class tracking start on Plus.

Intuit Intelligence

AI tools that categorize expenses, reconcile books and flag anomalies, with more of them unlocked on Plus and Advanced.

Payroll through QuickBooks Workforce

A separate subscription that runs full-service payroll, files payroll taxes and e-files 1099s, added from the same checkout.

Fiskl

• SoloRM 83

  per month after a 30-day free trial

  For freelancers and solo businesses: 1 user, 2 bank connections, 2 brands and accountant access.

• ProRM 150

  per month after a 30-day free trial

  5 users, 4 banks and 4 brands, plus cash flow forecasting, Stripe reconciliation and payment reminders.

• PrimeRM 219

  per month after a 30-day free trial

  10 users, unlimited banks and brands, plus advanced FX handling and Fi-assisted period close.

QuickBooks Online

• Free$0

  1 user, 2 invoices a month, profit and loss, balance sheet and account quick report, and 1 connected bank account.

• Simple Start$38

  per month for 1 user, billed monthly

  Advertised at $19 a month for the first 3 months. Automated bookkeeping, invoicing with online payments, bill pay and access for 2 accountants.

• Essentials$85

  per month for up to 3 users, billed monthly

  Advertised at $42.50 a month for the first 3 months. Adds enhanced reports, employee time on invoices and web lead forms.

• Plus$140

  per month for up to 5 users, billed monthly

  Advertised at $70 a month for the first 3 months. Adds budgets, project profitability, inventory and up to 40 classes and locations.

• Advanced$340

  per month for up to 25 users, billed monthly

  Advertised at $170 a month for the first 3 months. Adds custom roles, workflow automation, Excel sync, batch invoices and priority support.

Fiskl

No public discounts listed.

QuickBooks Online

• Other savings

  50% off the first 3 months

  New customers on a monthly plan pay half the base price for the first 3 months, then the regular price. It does not apply to per-employee fees.