# Found

> Business bank account with bookkeeping and tax tools built in

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.

- **Category:** Accounting & Invoicing
- **Made by:** Found (since 2019)
- **Website:** https://found.com
- **Runs on:** Web, iOS, Android
- **Facts last checked:** Oct 17, 2026

## Pricing

Found has a free plan. Paid plans start at $35 per month, billed monthly.

- **Pricing model:** Free plan
- **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 | $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. |

Read from https://found.com/pricing on Oct 17, 2026. Prices change, so confirm with Found before buying.

## Ways to pay less

- **Save 25% with yearly billing** (Annual discount): Found Plus costs $315 a year instead of $35 a month, and Found Pro $720 a year instead of $80 a month. Source: https://found.com/pricing

## 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.

## 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.

## ToolGPA grades

**GPA: 2.8 out of 4**, graded Oct 17, 2026. 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.

- **Value for money: C.** Found 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.
- **Free plan and trial: B.** The 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.
- **Features: C.** It 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.
- **Ease of use: A.** 4.79 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.
- **Platforms and integrations: B.** Web, 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.

These are ToolGPA's own grades. 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.

## Where it 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.

The category's chart of price against score: https://toolgpa.com/charts/accounting

## Keep it, 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.

- You could make: Expense tracking, invoicing 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: A real app for iOS and Android. Something home-made would be a web page.
- You could not: AI features, unless you pay a model provider for each request yourself.

A judgement by ToolGPA from this listing, by rules that are the same for every tool. Nothing was built to test it.

## What people say

- **App Store rating of the iPhone and iPad app:** 4.8 out of 5 from 34,650 ratings in the United States, read Oct 17, 2026. This is the store's rating of the app, not a score from ToolGPA. Source: https://apps.apple.com/us/app/id1477267167

## Works with

Venmo, PayPal, Mastercard

**Tags:** Bookkeeping, Expense tracking, Invoicing, Reports, AI features

## Alternatives

- [Wave](https://toolgpa.com/tools/wave): Free invoicing and bookkeeping for US and Canadian small businesses. [Compare](https://toolgpa.com/compare/found-vs-wave)
- [QuickBooks Online](https://toolgpa.com/tools/quickbooks): Cloud accounting from Intuit, from a free plan to 25-user Advanced. [Compare](https://toolgpa.com/compare/found-vs-quickbooks)
- [FreshBooks](https://toolgpa.com/tools/freshbooks): Invoicing and accounting for freelancers and service businesses. [Compare](https://toolgpa.com/compare/found-vs-freshbooks)
- [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/found-vs-zoho-books)
- [Bonsai](https://toolgpa.com/tools/bonsai): Client, project and billing software for agencies and freelancers. [Compare](https://toolgpa.com/compare/bonsai-vs-found)

## Sources

The prices, plans, platforms and features above were read from these pages on Oct 17, 2026:

- https://found.com/pricing
- https://found.com/
- https://found.com/about
- https://found.com/help/getting-started/who-is-found-for

Page: https://toolgpa.com/tools/found
Listed by ToolGPA (toolgpa.com).