# Inkle review (2026): is the free plan enough? > Accounting software, bookkeeping and tax filing for US companies Checked Nov 13, 2026 ยท graded Nov 13, 2026 by ToolGPA. Inkle offers accounting software for US companies alongside bookkeeping and tax services done by its accountants. The software has a free tier and a paid Standard plan, and a Monthly bookkeeping plan adds a dedicated bookkeeper. Federal tax filing, incorporation and a registered-agent mailroom are sold separately. - **Category:** Accounting & Invoicing - **Made by:** Inkle - **Website:** https://www.inkle.ai - **Runs on:** Web - **Who should skip it:** Tight if you need accrual books, as the free plan is cash-basis only and accrual needs Standard at $30 a month. - **Facts last checked:** Nov 13, 2026 ## Pricing As of Nov 13, 2026, Inkle has a free plan, and paid plans start at $30 per month, or $300 per year (Standard). - **Pricing model:** Free plan - **Free plan:** Basic plan: up to 2 banks, cash financials, invoicing, bank reconciliation, chat support and a Form 1099 vendor report. - **Free trial:** None listed. | Plan | Price | What you get | | --- | --- | --- | | Basic | $0 | Accounting software for up to 2 banks with cash financials, invoicing, bank reconciliation and a Form 1099 vendor report. | | Standard | $30 per month ($300 per year, billed annually) | Adds accrual financials, rule-based and AI-suggested categorization, receipt matching, multi-currency, Stripe revenue ingestion and bookkeeper access. | | Monthly bookkeeping | $99 per month for up to 30 transactions, billed monthly | A dedicated bookkeeper, monthly review calls and standard financials. Above 30 transactions a month it becomes a full-service plan. | Read from https://www.inkle.ai/pricing on Nov 13, 2026. Prices change, so confirm with Inkle before buying. ## Ways to pay less - **16% off Standard with annual billing** (Annual discount): Standard is $30 a month or $300 a year, which the pricing page labels as 16% off. Source: https://www.inkle.ai/pricing ## Key features - **Accounting software:** Bank reconciliation, invoicing and cash-basis financials on the free plan, with accrual financials on Standard. - **AI-suggested categorization:** Standard adds rule-based and AI-suggested transaction categorization and AI-enabled receipt matching. - **Dedicated bookkeeper:** The Monthly plan assigns a bookkeeper who handles reconciliations, payroll entries and monthly review calls. - **Federal tax filing:** Business tax returns (Form 1120, 1120-S or 1065) with a 6-month extension and one state's franchise tax or annual report. - **Stripe revenue ingestion:** Standard pulls revenue data in from Stripe automatically and reports revenue metrics. - **Incorporation and mailroom:** The site also sells US company incorporation, a virtual US address with registered agent, and dissolution. ## Good for - Startups and foreign-owned companies with a US entity - Founders who want bookkeeping and tax filing from one provider - Very small businesses that can start on the free plan ## Worth knowing - The free Basic plan connects up to 2 banks and keeps cash-basis books only. - Monthly bookkeeping is priced by activity; the $99 entry tier covers up to 30 transactions a month. - Tax filing starts from $850 per year for a business return and from $1,350 with one owner's personal return. - Aimed at US companies; the pricing page does not describe support for other countries' books. ## ToolGPA grades **GPA: 2.6 out of 4**, graded Nov 13, 2026. Inkle combines accounting software, bookkeeping and tax filing for US companies, with a free Basic plan. The free plan keeps cash-basis books and 2 banks, accrual needs $30 a month, and tax filing starts at $850 a year. - **Value for money: C.** Standard is $30 a month or $300 a year, inside the typical range. Bookkeeping starts at $99 a month and tax filing from $850 a year. - **Free plan and trial: B.** The Basic plan is free for up to 2 banks, with invoicing, reconciliation and a 1099 vendor report, which a small company could use. - **Features: B.** Accounting, AI-suggested categorization, a dedicated bookkeeper, federal tax filing and Stripe revenue ingestion cover the job end to end. - **Ease of use: C.** A web app where you connect banks and set up categorization rules, and no store rating on record. - **Platforms and integrations: B.** Web only, with Stripe, QuickBooks, Xero, Zoho Books and Mercury Books. These are ToolGPA's own grades. Graded from this listing, whose facts were read from Inkle's own pages on 13 November 2026. Not based on using the product, and shorter than our full reviews. ## Where it stands among accounting and invoicing tools - Inkle's GPA of 2.6 is higher than 94 of the 127 other accounting and invoicing tools we grade, and level with 14. - It stands best on free plan and trial (B, above 93 of 127) and worst on ease of use (C, above 6). - Its paid plans start at $25 a month when paid by the year, against a middle price of $18.09 for the category: 58 of the 90 others that charge start lower. - On features, ease of use and platforms it scores 2.7 out of 4. 4 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 Inkle 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 2.6 is higher than 94 of the 127 other accounting and invoicing tools we grade. It costs $300 a year. - You could make: 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: It plugs into other products, Stripe, QuickBooks and Xero among them. - You could not: AI features, unless you pay a model provider for each request yourself. - 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, QuickBooks, Xero, Zoho Books, Mercury Books **Tags:** Bookkeeping, Invoicing, AI features, Reports ## Alternatives - [Bench](https://toolgpa.com/tools/bench): Bookkeeping done by an assigned bookkeeper, with optional tax filing. [Compare](https://toolgpa.com/compare/bench-vs-inkle) - [Pilot](https://toolgpa.com/tools/pilot): Done-for-you bookkeeping, tax and CFO services for small companies. [Compare](https://toolgpa.com/compare/inkle-vs-pilot) - [Bookkeep](https://toolgpa.com/tools/bookkeep): Sales and payout accounting automation for ecommerce and retail. [Compare](https://toolgpa.com/compare/bookkeep-vs-inkle) - [Found](https://toolgpa.com/tools/found): Business bank account with bookkeeping and tax tools built in. [Compare](https://toolgpa.com/compare/found-vs-inkle) - [Puzzle](https://toolgpa.com/tools/puzzle): AI-driven accounting software for startups and small businesses. [Compare](https://toolgpa.com/compare/inkle-vs-puzzle) ## Sources The prices, plans, platforms and features above were read from these pages on Nov 13, 2026: - https://www.inkle.ai/pricing - https://www.inkle.ai Page: https://toolgpa.com/tools/inkle Listed by ToolGPA (toolgpa.com).