Found vs Inkle (2026): which should you pick?

Pick Found if

• Fits if you're self-employed in the US and will run all your business money through one account
• Works for small businesses that pay contractors and want 1099s e-filed from the same app

Look elsewhere if

• Skip it if you want to keep banking elsewhere, as importing other accounts needs Plus at $35
• Not for you if your business is outside the US or you don't have a Social Security number
• Too light for businesses that need full accounting software, since Found is a bank account first
• Watch out: domestic wires are $15 each and paper checks $1 each, cheaper only on Pro at $80 a month
• Watch out: Found Assistant is in beta, Found gives no tax advice, and paid-plan trials charge your Found balance

Pick Inkle if

• Fits if you run a US company and want books and tax filing from one provider
• Works for a startup with 2 bank accounts or fewer on the free plan

Look elsewhere if

• Tight if you need accrual books, as the free plan is cash-basis only and accrual needs Standard at $30 a month
• Tight if you have more than 2 bank accounts on the free plan
• Pricey if you need bookkeeping, as $99 a month covers only 30 transactions
• Watch out: tax filing is from $850 a year for a business return and $1,350 with one owner's personal return
• Not for you if your books are outside the US, as the pricing page does not describe other countries

Found

• Found is a bank account, not standalone software: the bookkeeping works on money that runs through it, and other accounts can be imported only on paid plans.
• Only US-based businesses can open an account, and the owner needs a Social Security number.
• Some banking costs extra: domestic wires are $15 each ($10 on Pro) and paper checks $1 each (free on Pro).
• Found Assistant is in beta, and Found says it gives no legal or tax advice.

Inkle

• The free Basic plan connects up to 2 banks and keeps cash-basis books only.
• Monthly bookkeeping is priced by activity; the $99 entry tier covers up to 30 transactions a month.
• Tax filing starts from $850 per year for a business return and from $1,350 with one owner's personal return.
• Aimed at US companies; the pricing page does not describe support for other countries' books.

Found

Business checking and cards

A checking account held at Lead Bank, Member FDIC, with physical and virtual Mastercard debit cards and team cards with spending limits.

Automatic bookkeeping

Card spending is categorized and flagged as write-offs, receipts attach by photo, and P&L, balance sheet and expense reports are kept current.

Taxes set aside

Found estimates taxes in real time and moves money into a Taxes Pocket as you are paid. It generates Schedule C and 1120 or 1120-S forms.

Invoices

Unlimited invoices, scheduled and recurring invoices, estimates and payment requests on every plan.

Contractor payments

Pay contractors by ACH, text or email with no per-contractor fee, collect W-9s and generate and e-file 1099-NECs for free.

Found Assistant

An AI assistant, in beta, that answers questions about your income and taxes and can draft invoices.

Inkle

Accounting software

Bank reconciliation, invoicing and cash-basis financials on the free plan, with accrual financials on Standard.

AI-suggested categorization

Standard adds rule-based and AI-suggested transaction categorization and AI-enabled receipt matching.

Dedicated bookkeeper

The Monthly plan assigns a bookkeeper who handles reconciliations, payroll entries and monthly review calls.

Federal tax filing

Business tax returns (Form 1120, 1120-S or 1065) with a 6-month extension and one state's franchise tax or annual report.

Stripe revenue ingestion

Standard pulls revenue data in from Stripe automatically and reports revenue metrics.

Incorporation and mailroom

The site also sells US company incorporation, a virtual US address with registered agent, and dissolution.

Found

• Found$0

  Banking, automatic expense categorizing, receipts, P&L and balance sheet, tax estimates, unlimited invoices and contractor payments.

• Found Plus$35

  per month, billed monthly

  Or $315 a year. Adds imports from up to 10 other accounts, categorizing rules, custom tags, in-app tax payments, 1.50% APY up to $20,000 and priority phone help.

• Found Pro$80

  per month, billed monthly

  Or $720 a year. Adds 2.50% APY on all balances, 1% cash back on card purchases, free checks, cheaper wires and an account manager.

Inkle

• Basic$0

  Accounting software for up to 2 banks with cash financials, invoicing, bank reconciliation and a Form 1099 vendor report.

• Standard$30

  per month ($300 per year, billed annually)

  Adds accrual financials, rule-based and AI-suggested categorization, receipt matching, multi-currency, Stripe revenue ingestion and bookkeeper access.

• Monthly bookkeeping$99

  per month for up to 30 transactions, billed monthly

  A dedicated bookkeeper, monthly review calls and standard financials. Above 30 transactions a month it becomes a full-service plan.

Found

• Annual discount

  Save 25% with yearly billing

  Found Plus costs $315 a year instead of $35 a month, and Found Pro $720 a year instead of $80 a month.

Inkle

• Annual discount

  16% off Standard with annual billing

  Standard is $30 a month or $300 a year, which the pricing page labels as 16% off.