The Found Insider’s Guide
Everything we know about Found in one document: what it costs, its grades, getting a refund, getting help and what else to look at. Read it here, or keep a copy.
Found
The Insider’s Guide
Business bank account with bookkeeping and tax tools built in
Every plan, grade, refund rule and rival among accounting and invoicing tools, read from Found’s own pages.
Made by Found · checked Oct 17, 2026 · toolgpa.com
Contents
- 01WelcomeWhat it is, who it suits, its grades and the ten things to know first
- 02What it costsEvery plan, the free plan, ways to pay less and how prices have moved
- 03What it doesIts main features, where it runs, what it works with and who makes it
- 04Where it standsIts grades against its category, and whether to keep it or make your own
- 05The alternativesThe tools it is most often weighed against, side by side
- 06Quick answersThe questions people ask about it, each answered in a line or two
- 07About ToolGPAWho made this guide, what else is on the site, and how to cite it
ToolGPA put this guide together from Found’s own pages, its app-store listings and our grades. Every fact in it is on Found’s page too, where it is kept up to date. Checked Oct 17, 2026.
Part 01 · Overview
Welcome
What it is, who it suits, its grades and the ten things to know first
2.8
GPA, above 12 of the 17 other accounting and invoicing tools we grade
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.
To get you started, here are 9 things to know about Found, taken from its own pages and our grades.
Spend on the card and the sorting happens as you go, so there's no separate bookkeeping app to feed.
- 1
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.
- 2
Paid plans start at $35 a month
As its pricing page puts it: $35 per month, billed monthly.
- 3
There is 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.
- 4
It runs on 3 platforms
Web, iOS and Android.
- 5
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.
- 6
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.
- 7
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.
- 8
A 2.8 GPA, above 12 of 17
That is against the other accounting and invoicing tools we grade, on value, the free plan, features, ease of use and platforms.
- 9
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.
Found at a glance
- Pricing
- Free plan, from $35 per month, billed monthly
- Free plan
- Yes
- Free trial
- 30-day free trial of Found Plus or Found Pro, then charged to your Found balance
- Runs on
- Web, iOS, Android
- Made by
- Found, since 2019
- Category
- Accounting & Invoicing
- Our grade
- 2.8 GPA, good
- Store rating
- 4.8 on the App Store, 34,650 ratings
The report card
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.
| Subject | Grade | Comment |
|---|---|---|
| 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. |
An A is worth 4 points, a B 3, a C 2, a D 1 and an F nothing. The GPA is the average of the five.
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 it 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
Good to know
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.
Part 02 · Pricing
What it costs
Every plan, the free plan, ways to pay less and how prices have moved
$35
A month to start. There is a free plan too
Found has a free plan. Paid plans start at $35 per month, billed monthly.
One person could live on it, as long as all the business money goes through 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.
The 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.
Trying it first
30-day free trial of Found Plus or Found Pro, then charged to your Found balance
Read from found.com on Oct 17, 2026.
Ways to pay less
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.
Stated on found.com
Part 03 · Features
What it does
Its main features, where it runs, what it works with and who makes it
3
Places it runs: Web, iOS and Android
Business bank account with bookkeeping and tax tools built in. Here is what it does, as its own site describes it, and what it covers: AI features, invoicing, reports, bookkeeping, expense tracking.
The gap is in the listing: it's a bank account, so the books only see other accounts on paid plans.
- 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.
Where it runs
- Web
- iOS
- Android
What it works with
- Venmo
- PayPal
- Mastercard
Found is made by Found, and has been around since 2019.
Part 04 · Standing
Where it stands
Its grades against its category, and whether to keep it or make your own
12/17
Other accounting and invoicing tools it is graded above
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
- BFree plan and trialAbove 10 of 17
- CFeaturesAbove 0 of 17
- AEase of useAbove 13 of 17
- BPlatforms and integrationsAbove 2 of 17
Price against what you get
Each dot is one of 18 accounting and invoicing tools. Further left costs less; higher up scores better on features, ease of use and platforms. Found is the marked dot.
What paid plans start at, a month (each step along is roughly double) →
Keep it, or make your own?
Whether this is something you could build for yourself with an AI app builder, and what you would give up.
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.
Part 05 · Alternatives
The alternatives
The tools it is most often weighed against, side by side
Wave, QuickBooks Online, FreshBooks, Zoho Books and Bonsai
The 5 tools Found is most often weighed against, with where each one differs from it.
- 2.4GPA
Wave
Free plan · from $19/mo
Free invoicing and bookkeeping for US and Canadian small businesses.
- Wave also covers payroll.
- 2.4GPA
QuickBooks Online
Free plan · from $38/mo
Cloud accounting from Intuit, from a free plan to 25-user Advanced.
- QuickBooks Online also covers payroll.
- 2.6GPA
FreshBooks
Free trial · from $23/mo
Invoicing and accounting for freelancers and service businesses.
- Found has a free plan. FreshBooks does not, though it has a free trial.
- FreshBooks also covers time tracking and payroll.
- 3.4GPA
Zoho Books
Free plan · from $15/mo
Online accounting from Zoho, with a free plan and six paid tiers.
- Only Zoho Books lists a Windows app.
- 2.4GPA
Bonsai
Free trial · from $9/mo
Client, project and billing software for agencies and freelancers.
- Found has a free plan. Bonsai does not, though it has a free trial.
- Only Bonsai lists a macOS app.
- Only Bonsai lists a browser extension.
Part 06 · Questions
Quick answers
The questions people ask about it, each answered in a line or two
15
Questions, each answered in a line or two
The short version of everything above, for when you only need the answer. Each one is told in full in its part of the guide.
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.
How much does Found cost?
Found lists 3 plans. Found: $0.
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.
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.
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.
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.
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.
Where this guide comes from
The prices, plans, platforms and features were read from Found’s own pages on Oct 17, 2026, and the grades were given on Oct 17, 2026. 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.
Every tool we list gets five grades, A to F, each with its reason, and a GPA that averages them. How each is decided is at toolgpa.com/grades. This guide is ToolGPA’s own work; it is not made, paid for or approved by Found. Prices change, so check found.com before you buy.
Part 07 · About
About ToolGPA
Who made this guide, what else is on the site, and how to cite it
1,858
Tools graded, in 46 categories
ToolGPA grades software the way a school report grades a pupil: five subjects, a letter for each with the reason written beside it, and a GPA that averages them. Prices, plans and platforms are read from each maker’s own pages and dated, so you always know how fresh a figure is.
ToolGPA is free to read. It may earn a commission from affiliate links and it works with sponsors, but anything paid for is labelled and no one can pay for a grade. Every tool on the site has a guide like this one, free to download and pass on. It all lives at toolgpa.com.
1,858
tools graded
46
categories
426
price changes on record
579
apps priced in 12 countries
What else is on toolgpa.com
- Found, kept up to dateEverything in this guide, with prices and grades as they are todaytoolgpa.com/tools/found
- How grades are givenThe rules behind every letter and every GPAtoolgpa.com/grades
- Value chartsWhat each tool costs against what it scores, for every categorytoolgpa.com/charts
- CompareAny two tools side by side, plan by plantoolgpa.com/compare
- Price changesEvery price rise and cut on record, each with its sourcetoolgpa.com/price-changes
- Prices by countryWhat apps cost on the App Store in 12 countriestoolgpa.com/prices-by-country
- Pay lessEvery public discount: yearly billing, students, nonprofitstoolgpa.com/save
- Keep or makeWhich tools are worth paying for, and which you could build yourselftoolgpa.com/keep-or-make
Scan for the live page
Prices and grades as they are today
Quoting this guide?
Please name ToolGPA and link to the live page, so readers can check the figures for themselves:
ToolGPA, "Found: The Insider's Guide", checked Oct 17, 2026. https://toolgpa.com/tools/found
Know someone choosing between accounting and invoicing tools?
Send them this guide: toolgpa.com/tools/found/guide
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See our other guides
The best-graded accounting and invoicing tools after Found, each with an Insider's Guide of its own.
- Accounting & Invoicing Insider's GuideEvery one of the 18 accounting and invoicing tools we grade, compared
- Zoho Invoice Insider's GuideFree invoicing app from Zoho for freelancers and small businesses3.6 GPA
- Zoho Books Insider's GuideOnline accounting from Zoho, with a free plan and six paid tiers3.4 GPA
- Odoo Insider's GuideBusiness app suite whose Accounting app is free when used on its own3.2 GPA
Choosing software? Every tool graded, every price dated.
Compare tools at toolgpa.com ›Everything in this guide is ToolGPA’s own summary of what Found’s pages, its app-store listings and public reviews said on the dates shown. Grades are our judgement under the rules at toolgpa.com/grades. ToolGPA uses affiliate links and may earn a commission from them, and it works with sponsors; anything paid for is labelled, and no one can pay for a grade. Found is a trademark of its owner, and this guide is not made, paid for or approved by Found. Prices and plans change: check found.com before you buy.