Exact Online review (2026): is it worth €49 a month?
Dutch cloud accounting with bank feeds, VAT filing and AI agents
Black Friday: is there a Exact Online sale?
Exact Online report card
Fair · out of 4.0 · graded Nov 13, 2026
Best for Dutch small-business bookkeeping and VAT
Exact Online handles invoices, bank links and VAT returns, with phone apps. But the entry plan allows one user and 25 sales invoices, the debtor follow-up and unlimited bank links start at €99 a month, and prices are quoted in euros from the Dutch page.
Who Exact Online is for
- Fits if you run a small Dutch company and want VAT returns and bank links in one place
- Makes sense if your accountant already works in Exact
Who Exact Online is not for
- Pricey if you are one person: €49 a month for 1 user and 25 sales invoices
- Tight if you need unlimited bank links or debtor follow-up, which start on the €99 plan
- Watch out: documents past the 3 included each month cost €0.39 to €0.50 each
- Watch out: the pricing page is Dutch, quoted in euros, and doesn't say whether VAT is included
- Skip it if you want a free plan, because there is only a trial
Why Exact Online gets a 2.2
Five grades, each with its reason. The GPA is their average: an A is 4 points, an F is none.
- DValue for money€49 a month is the entry price, well above the $20 the category's middle plan costs, and it caps you at 1 user and 25 sales invoices. Bank links, debtor follow-up and unlimited invoices sit on €99 and up.
- CFree plan and trialA 30-day free trial, which is long enough to try it. The listing does not say whether a card is needed, and there is no free plan.
- BFeaturesPurchase and sales invoices, bank connections, VAT and ICP returns, automatic invoice processing and accountant access. The listing shows no missing piece in the core bookkeeping.
- CEase of useNo store rating on record, and you connect bank accounts and set up an administration before it is useful.
- BPlatforms and integrationsWeb, iPhone and Android apps and accountant collaboration. No integration list or API is shown.
What these grades rest on. Graded from this listing, whose facts were read from Exact's own pages on 13 November 2026. Not based on using the product, and shorter than our full reviews. How we review and grade.
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<a href="https://toolgpa.com/tools/exact-online#review"><img src="https://toolgpa.com/badge/exact-online.svg" alt="Exact Online: 2.2 GPA on ToolGPA" width="196" height="56"></a>Where Exact Online stands among accounting and invoicing tools
Exact Online's GPA of 2.2 is higher than 43 of the 127 other accounting and invoicing tools we grade, and level with 30.
It stands best on features (B, above 86 of 127) and worst on value for money (D, above 0).
Its paid plans start at about $54.74 a month, against a middle price of $18.09 for the category: 76 of the 90 others that charge start lower.
On features, ease of use and platforms it scores 2.7 out of 4. 7 tools score higher and cost less.
Each grade against the category
Every bar is all 128 accounting and invoicing tools we grade, cut by the letter each got. Exact Online’s own letter is outlined.
- DValue for moneyAbove 0 of 127, level with 18
- CFree plan and trialAbove 35 of 127, level with 57
- BFeaturesAbove 86 of 127, level with 41
- CEase of useAbove 6 of 127, level with 109
- BPlatforms and integrationsAbove 28 of 127, level with 92
Price against what you get
Each dot is one of 101 accounting and invoicing tools. Further left costs less, and higher up scores better on features, ease of use and platforms. Point at a dot to see which tool it is.
Features, ease of use and platforms, averaged
What paid plans start at, a month (each step along is roughly double) →
- The best score at each price
- Has a free plan
- No free plan
Keep Exact Online, or make your own?
Keep it
To replace Exact Online you would be making live feeds from your bank, which take an agreement with each bank or a service that has them. That is not a weekend's work, with an AI app builder or without one.
It costs $656.91 a year.
What you could make
- Invoicing and reports: an app builder makes these well.
What you could not
- Live feeds from your bank, which take an agreement with each bank or a service that has them.
- Connections that pull numbers from dozens of other services.
- A real app for iOS and Android. Something home-made would be a web page.
- AI features, unless you pay a model provider for each request yourself.
- Sharing with other people, which means accounts and invitations.
- The depth: we grade its features B, which means it covers the whole job.
What this rests on. Exact Online’s listing: what it does, where it runs, what it plugs into and what it costs. It is a judgement about the kind of software this is. We have not built a replacement for it, and making your own means looking after it too. How we decide, and every tool’s verdict.
What is Exact Online?
Exact Online is the cloud bookkeeping software from Exact, a company based in Delft, the Netherlands. Four plans cover sales and purchase invoices, bank connections, VAT returns and debtor management, and each caps users, administrations and sales invoices. Prices are in euros and come from the Dutch pricing page.
Worth knowing
- Prices were read from the Dutch pricing page in euros; the page does not say whether VAT is included.
- Essentials allows one user and one administration and cannot be extended.
- Processing beyond the 3 included documents a month is charged: €0.39 each inside a bundle, €0.50 outside it.
Key features
- Bookkeeping and VAT
- Purchase and sales ledgers with automatic matching of invoices to bank statements, and digital VAT and ICP returns.
- Bank connections
- One bank link on Essentials, five on Plus and unlimited on Professional and Premium.
- Automatic invoice processing
- Incoming and outgoing invoices, PDFs, scans and receipts can be read automatically; the first 3 documents a month are included.
- AI agents for debtors and anomalies
- A debtor agent follows up unpaid invoices from Plus, and anomaly detection starts at Professional.
- Accountant collaboration
- Users share tasks, documents and roles in one administration, and an accountant can work in the same books.
- Mobile app
- A free mobile app for smartphone and tablet is available for iOS and Android.
Exact Online pricing
As of Nov 13, 2026, Exact Online is a paid product with a free trial, starting at €49 per month for 1 user and 1 administration.
- Starts at
- €49 per month for 1 user and 1 administration
- Free plan
- None
- Free trial
- 30-day free trial
| Plan | Price | What you get |
|---|---|---|
| Essentials | €49per month: 1 user, 1 administration, 25 sales invoices | Purchase and sales invoices, 1 bank link, VAT and ICP returns. Users and administrations cannot be added. |
| Plus | €99per month: 2 users, 2 administrations, 100 sales invoices | Adds 5 bank links, debtor follow-up agent, fixed assets and invoice approval. Extra user €23, extra administration €20 a month. |
| Professional | €159per month: 2 users, 2 administrations, unlimited invoices | Unlimited bank links; adds current-account postings, recurring invoice templates, anomaly flags. Extra user €23, administration €21. |
| Premium | €299per month: 2 users, 2 administrations, unlimited invoices | Adds multi-company support, period and year-end close and Power BI. Extra user €49, extra administration €38 a month. |
Read from exact.com on Nov 13, 2026. Prices change, so confirm with Exact Online before you buy.
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Common questions
Does Exact Online have a Windows app?
No Windows app was listed when its pages were read on Nov 13, 2026. Exact Online is listed for Web, iOS and Android.
Does Exact Online have a macOS app?
No macOS app was listed when its pages were read on Nov 13, 2026. Exact Online is listed for Web, iOS and Android.
Is Exact Online open source?
Exact Online is not described as open source on its own site, as read on Nov 13, 2026.
Sources for this page
The prices, plans, platforms and features above were read from these pages on Nov 13, 2026.