Found
Business bank account with bookkeeping and tax tools built in
Found report card
Good · out of 4.0 · graded Oct 17, 2026
Best for self-employed people who want banking and books together
Found is a business bank account that does your bookkeeping as you spend: card purchases get sorted, tax money gets set aside, and invoices and contractor payments go out from the same app. The free plan covers most of that. But the books only see money that runs through Found unless you pay $35 a month, and it's for US businesses only.
Who Found is for
- Great if you're self-employed in the US and happy to run all your business money through one account
- Handy when tax time scares you, as it sets money aside every time you're paid
- Good for small businesses that pay contractors and want 1099s filed for free
Who Found is not for
- 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
Why Found gets a 2.8
Five grades, each with its reason. The GPA is their average: an A is 4 points, an F is none.
- CValue for moneyFound Plus is $35 a month, above the dearer quarter of accounting tools at $31.10, or $315 a year, about $26 a month. It buys imports from other accounts, rules, tags and in-app tax payments, plus 1.50% interest on up to $20,000.
- BFree plan and trialThe free plan is business checking with a debit card, 20 sub-accounts, sorted spending, receipts, a P&L, tax estimates, unlimited invoices and free 1099 e-filing. One person could live on it, as long as all the business money goes through Found.
- CFeaturesIt sorts card spending into write-offs, keeps receipts and a P&L and balance sheet, sets tax aside, makes Schedule C forms, sends invoices and pays contractors. The gap is in the listing: it's a bank account, so the books only see other accounts on paid plans.
- AEase of use4.79 from 34,650 App Store ratings, the top band. Spend on the card and the sorting happens as you go, so there's no separate bookkeeping app to feed.
- BPlatforms and integrationsWeb, iPhone and Android, with money in from Venmo and PayPal and a Mastercard debit card. There's no desktop app, and syncing other bank accounts needs a paid plan.
What these grades rest on. Graded from this listing, whose facts were read from Found's own pages on 17 October 2026, and its App Store rating. 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/found#review"><img src="https://toolgpa.com/badge/found.svg" alt="Found: 2.8 GPA on ToolGPA" width="196" height="56"></a>Where Found stands among accounting and invoicing tools
Found's GPA of 2.8 is higher than 12 of the 17 other accounting and invoicing tools we grade, and level with 2.
It stands best on ease of use (A, above 13 of 17) and worst on features (C, above 0).
Its paid plans start at $35 a month, against a middle price of $19 for the category: 13 of the 16 others that charge start lower.
On features, ease of use and platforms it scores 3.0 out of 4. 3 tools score higher and cost less.
Each grade against the category
Every bar is all 18 accounting and invoicing tools we grade, cut by the letter each got. Found’s own letter is outlined.
- CValue for moneyAbove 2 of 17, level with 10
- BFree plan and trialAbove 10 of 17, level with 3
- CFeaturesAbove 0 of 17, level with 12
- AEase of useAbove 13 of 17, level with 4
- BPlatforms and integrationsAbove 2 of 17, level with 11
Price against what you get
Each dot is one of 18 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 Found, or make your own?
Keep it
To replace Found 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 is one of the better ones too: its GPA of 2.8 is higher than 12 of the 17 other accounting and invoicing tools we grade. It costs $420 a year.
What you could make
- Expense tracking, 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.
- 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.
What this rests on. Found’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 Found?
Found is a business bank account with bookkeeping built in, for self-employed people and small businesses in the US. Spending on its debit cards is categorized as it happens, and it sets money aside for taxes, sends invoices and pays contractors from the same app. Found is a financial technology company, not a bank: the account is held at Lead Bank, and paid plans add interest, imports from other accounts and more support.
Found has a free plan. Paid plans start at $35 per month, billed monthly. See every plan
Good for
- US sole proprietors who want banking and books in one app
- Freelancers who want taxes set aside automatically as they are paid
- Small businesses that pay contractors and file 1099s
Worth knowing
- 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.
Key features
- 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.
Found pricing
- Starts at
- $35 per month, billed monthly
- Free plan
- Found: business checking with a Mastercard debit card, team cards, 20 sub-accounts, expense categorizing, receipt scanning, P&L, tax estimates, unlimited invoices and 1099 e-filing.
- Free trial
- 30-day free trial of Found Plus or Found Pro, then charged to your Found balance
| Plan | Price | What you get |
|---|---|---|
| Found | $0 | Banking, automatic expense categorizing, receipts, P&L and balance sheet, tax estimates, unlimited invoices and contractor payments. |
| Found Plus | $35per 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 | $80per 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. |
Read from found.com on Oct 17, 2026. Prices change, so confirm with Found before you buy.
Ways to pay less
- Annual discountSave 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.
Stated on found.com
How people rate the Found app
4.8
out of 5 for the iPhone and iPad app
- 5 stars90%
- 4 stars4%
- 3 stars2%
- 2 stars<1%
- 1 star3%
34,650 ratings on the App Store in the United States, read Oct 17, 2026. It rates the app, not everything the product does. See the listing
Works with
- Venmo
- PayPal
- Mastercard
Found alternatives
- Found vs Wave
Free plan · from $19/mo
- Found vs QuickBooks Online
Free plan · from $38/mo
- Found vs FreshBooks
Free trial · from $23/mo
- Found vs Zoho Books
Free plan · from $15/mo
- Found vs Bonsai
Free trial · from $9/mo
Common questions
Is Found free?
Found has a free plan. Found: business checking with a Mastercard debit card, team cards, 20 sub-accounts, expense categorizing, receipt scanning, P&L, tax estimates, unlimited invoices and 1099 e-filing. Paid plans start at $35 per month, billed monthly.
How much does Found cost?
Found lists 3 plans. Found: $0. Found Plus: $35 per month, billed monthly. Found Pro: $80 per month, billed monthly. Prices were read from found.com on Oct 17, 2026.
What platforms does Found work on?
Found is available on Web, iOS and Android.
Does Found offer any discounts?
Found publicly lists the following: Save 25% with yearly billing.
How is Found rated?
Found's iPhone and iPad app averages 4.8 out of 5 from 34,650 ratings on the App Store in the United States, as read on Oct 17, 2026. That is the store's rating of the app, not a score from us.
Does Found have a Windows app?
No Windows app was listed when its pages were read on Oct 17, 2026. Found is listed for Web, iOS and Android.
Does Found have a macOS app?
No macOS app was listed when its pages were read on Oct 17, 2026. Found is listed for Web, iOS and Android.
Is Found open source?
Found is not described as open source on its own site, as read on Oct 17, 2026.
What does Found integrate with?
Found's listing names Venmo, PayPal and Mastercard. A listing names up to eight integrations, so it may connect to more.
Does Found have a free trial?
Yes. 30-day free trial of Found Plus or Found Pro, then charged to your Found balance.
Who makes Found?
Found is made by Found. It dates from 2019.
What are the alternatives to Found?
The closest alternatives to Found in our directory are Wave, QuickBooks Online, FreshBooks, Zoho Books and Bonsai. Each one has a side-by-side comparison with Found.
How does Found compare with other accounting and invoicing tools?
Found's GPA of 2.8 is higher than 12 of the 17 other accounting and invoicing tools we grade, and level with 2. It stands best on ease of use (A, above 13 of 17) and worst on features (C, above 0).
Is Found good value for money?
ToolGPA grades Found C for value for money. Its paid plans start at $35 a month, against a middle price of $19 for the category: 13 of the 16 others that charge start lower. On features, ease of use and platforms it scores 3.0 out of 4. 3 tools score higher and cost less.
Could I make my own version of Found?
To replace Found 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 is one of the better ones too: its GPA of 2.8 is higher than 12 of the 17 other accounting and invoicing tools we grade. It costs $420 a year. What you could not make: Live feeds from your bank, which take an agreement with each bank or a service that has them. 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. This is a judgement from its listing. We have not built one.
Sources for this page
The prices, plans, platforms and features above were read from these pages on Oct 17, 2026. What people say is linked where it appears.