# Fiskl review (2026): is it worth paying for? > AI-assisted multi-currency accounting for small businesses Checked Nov 13, 2026 ยท graded Nov 13, 2026 by ToolGPA. Fiskl is cloud accounting software for small businesses and freelancers that work in several currencies. It covers invoices, quotes, expenses, bank feeds and reporting, with an AI assistant called Fi for categorizing transactions and answering questions about the books. It has iOS and Android apps, and a separate portal for accounting firms. - **Category:** Accounting & Invoicing - **Made by:** Fiskl Limited - **Website:** https://fiskl.com - **Runs on:** Web, iOS, Android - **Who should skip it:** Tight if you want a free plan, because there isn't one after the 30 days. - **Facts last checked:** Nov 13, 2026 ## Pricing As of Nov 13, 2026, Fiskl is a paid product with a free trial, starting at RM 83 per month after a 30-day free trial (Solo). - **Pricing model:** Free trial - **Free plan:** None. - **Free trial:** 30-day free trial on every plan. | Plan | Price | What you get | | --- | --- | --- | | Solo | RM 83 per month after a 30-day free trial | For freelancers and solo businesses: 1 user, 2 bank connections, 2 brands and accountant access. | | Pro | RM 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. | | Prime | RM 219 per month after a 30-day free trial | 10 users, unlimited banks and brands, plus advanced FX handling and Fi-assisted period close. | Read from https://pricing.fiskl.com/en-us on Nov 13, 2026. Prices change, so confirm with Fiskl before buying. ## Key features - **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. ## Good for - Freelancers and small businesses billing clients in several currencies - Startups that take payments through Stripe - Owners who want to keep books from a phone ## Worth knowing - 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. ## ToolGPA grades **GPA: 2.4 out of 4**, graded Nov 13, 2026. Fiskl is cloud accounting for freelancers and small firms who work in several currencies, with bank feeds and an AI assistant. It has no free plan, the figures here are in ringgit with no dollar price readable, and extra AI tokens and team members cost more. - **Value for money: C.** Solo is RM 83 a month, roughly $18 to $19, near the $20 middle for accounting. Pro is RM 150. - **Free plan and trial: C.** 30-day trial on every plan. The pages don't say whether a card is needed, and there's no free plan. - **Features: B.** Multi-currency books, bank connections, invoices, quotes, expenses, Stripe reconciliation and accountant access. Nothing in the core job is missing. - **Ease of use: C.** No rating read. Bank connections and currencies to set up. - **Platforms and integrations: B.** Web, iOS and Android, with Stripe, Revolut Business, Chase, Wio and Brex links. No desktop app. These are ToolGPA's own grades. Graded from this listing, whose facts were read from Fiskl's own pages on 13 November 2026. Not based on using the product, and shorter than our full reviews. Prices were read in Malaysian ringgit; no dollar price was readable. ## Where it stands among accounting and invoicing tools - Fiskl's GPA of 2.4 is higher than 74 of the 127 other accounting and invoicing tools we grade, and level with 19. - It stands best on features (B, above 86 of 127) and worst on ease of use (C, above 6). The category's chart of price against score: https://toolgpa.com/charts/accounting ## Keep it, or make your own? **Keep it.** To replace Fiskl 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. - You could make: Invoicing, expense tracking, quotes and estimates and reports: an app builder makes these well. - You could not: Live feeds from your bank, which take an agreement with each bank or a service that has them. - You could not: An AI model, which you can rent by the request but not make. - You could not: A real app for iOS and Android. Something home-made would be a web page. - You could not: It plugs into other products, Stripe, Revolut Business and Chase among them. - You could not: The depth: we grade its features B, which means it covers the whole job. A judgement by ToolGPA from this listing, by rules that are the same for every tool. Nothing was built to test it. ## Works with Stripe, Revolut Business, Chase, Wio, Brex **Tags:** Bookkeeping, Invoicing, Expense tracking, Quotes and estimates, AI features, Chat assistant, Reports ## Alternatives - [Xero](https://toolgpa.com/tools/xero): Cloud accounting for small businesses, with unlimited users. [Compare](https://toolgpa.com/compare/fiskl-vs-xero) - [QuickBooks Online](https://toolgpa.com/tools/quickbooks): Cloud accounting from Intuit, from a free plan to 25-user Advanced. [Compare](https://toolgpa.com/compare/fiskl-vs-quickbooks) - [Zoho Books](https://toolgpa.com/tools/zoho-books): Online accounting from Zoho, with a free plan and six paid tiers. [Compare](https://toolgpa.com/compare/fiskl-vs-zoho-books) - [FreshBooks](https://toolgpa.com/tools/freshbooks): Invoicing and accounting for freelancers and service businesses. [Compare](https://toolgpa.com/compare/fiskl-vs-freshbooks) - [Wave](https://toolgpa.com/tools/wave): Free invoicing and bookkeeping for US and Canadian small businesses. [Compare](https://toolgpa.com/compare/fiskl-vs-wave) ## Sources The prices, plans, platforms and features above were read from these pages on Nov 13, 2026: - https://fiskl.com - https://pricing.fiskl.com/en-us - https://fiskl.com/company/about/ - https://apps.apple.com/us/developer/fiskl-limited/id975994087 Page: https://toolgpa.com/tools/fiskl Listed by ToolGPA (toolgpa.com).