# Kick review (2026): is the free plan enough? > AI bookkeeping ledger for businesses and accounting firms Checked Nov 13, 2026 ยท graded Nov 13, 2026 by ToolGPA. Kick is an accounting ledger that uses AI to categorize transactions, match receipts and reconcile accounts, with accountants reviewing the results. It has a free plan capped at 250 categorized transactions a year and paid plans for full-time businesses. Accounting firms are priced per client on separate tiers. - **Category:** Accounting & Invoicing - **Made by:** Kick - **Website:** https://www.kick.co - **Runs on:** Web - **Who should skip it:** Tight if you pass 250 categorised transactions a year, the end of the free plan. - **Facts last checked:** Nov 13, 2026 ## Pricing As of Nov 13, 2026, Kick has a free plan, and paid plans start at $40 per month, billed annually ($480). - **Pricing model:** Free plan - **Free plan:** Auto categorization limited to 250 transactions a year, receipt matching, profit and loss and balance sheet. - **Free trial:** None listed. | Plan | Price | What you get | | --- | --- | --- | | Free | $0 | For new businesses and sole proprietors; 250 categorized transactions a year. | | Basic | $40 per month, billed annually ($480) | Unlimited categorization, reconciliation, statement sync, a universal importer and MCP/CLI access. | | Plus | $100 per month, billed quarterly ($300) | Adds multi-entity support, classes, AR/AP automation and an accrual ledger. | | Advanced | $300 per month, billed monthly | Adds consolidation and revenue recognition; prepaid and accrued and multi-book are in beta. | Read from https://www.kick.co/pricing on Nov 13, 2026. Prices change, so confirm with Kick before buying. ## Key features - **AI categorization:** Categorizes transactions automatically and matches receipts. The free plan caps categorization at 250 transactions a year. - **Reconciliation and statement sync:** Reconciles accounts and syncs statements from Basic upward, with a universal importer for existing data. - **Multi-entity and consolidation:** Plus adds multi-entity and classes; Advanced adds consolidated reporting across entities and revenue recognition. - **Invoicing and bill pay:** The product menu includes invoicing and bill pay, with AR/AP automation listed from the Plus plan. - **Connections and AI assistants:** Connects to Stripe, PayPal, Mercury, Plaid, Ramp and Gusto, and works with ChatGPT, Claude and Cursor through MCP or the command line. - **Accountant tools:** Firms get a free firm account, per-client pricing, task and review workflows, and chart of accounts templates. ## Good for - New businesses and sole proprietors who can start free - Founders with several entities who want consolidated books - Accounting firms that want to be billed per client ## Worth knowing - The free plan stops at 250 categorized transactions a year. - Multi-entity, classes and an accrual ledger need Plus, and consolidation needs Advanced. - The page shows one billing term per plan, so monthly-billed prices for Basic and Plus are not listed. - Firm pricing is separate and charged per client, with 10% off for 1 to 19 clients and 50% off for 20 or more. ## ToolGPA grades **GPA: 2.2 out of 4**, graded Nov 13, 2026. Kick uses AI to categorise transactions, match receipts and reconcile, with accountants checking the results. But the free plan stops at 250 categorised transactions a year, the accrual ledger and multi-entity need Plus at $100 a month, and consolidation needs Advanced at $300. - **Value for money: C.** Basic is $40 a month on yearly billing, at the edge of what the category's dearer quarter charges. Accrual and multi-entity sit on Plus at $100. - **Free plan and trial: C.** A free plan with 250 categorised transactions a year. That cap is easy to reach, and the P&L and balance sheet come with it. - **Features: C.** AI categorisation, reconciliation, statement sync, invoicing and bill pay. Multi-entity, classes and an accrual ledger are held back for Plus, so the core ledger work has a gap on cheaper plans. - **Ease of use: C.** No store rating on record, and you connect bank and card accounts first. - **Platforms and integrations: B.** Web only, with Stripe, PayPal, Mercury, Plaid, Ramp, Gusto, Claude and ChatGPT. These are ToolGPA's own grades. Graded from this listing, whose facts were read from Kick'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 - Kick's GPA of 2.2 is higher than 43 of the 127 other accounting and invoicing tools we grade, and level with 30. - It stands best on platforms and integrations (B, above 28 of 127) and worst on ease of use (C, above 6). - Its paid plans start at $40 a month, against a middle price of $18.09 for the category: 70 of the 90 others that charge start lower. - On features, ease of use and platforms it scores 2.3 out of 4. 26 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 Kick 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 costs $480 a year. - You could make: Reports and invoicing: 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: Money moved between bank accounts, which takes a licensed payments partner. - You could not: Connections to other products, each kept working as those products change. - 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. ## Works with Stripe, PayPal, Mercury, Plaid, Ramp, Gusto, Claude, ChatGPT **Tags:** Bookkeeping, AI features, Reports, Invoicing, Bill pay, Workflow automation ## Alternatives - [Puzzle](https://toolgpa.com/tools/puzzle): AI-driven accounting software for startups and small businesses. [Compare](https://toolgpa.com/compare/kick-vs-puzzle) - [Digits](https://toolgpa.com/tools/digits): AI-native general ledger with bookkeeping, bill pay and invoicing. [Compare](https://toolgpa.com/compare/digits-vs-kick) - [Pilot](https://toolgpa.com/tools/pilot): Done-for-you bookkeeping, tax and CFO services for small companies. [Compare](https://toolgpa.com/compare/kick-vs-pilot) - [Bench](https://toolgpa.com/tools/bench): Bookkeeping done by an assigned bookkeeper, with optional tax filing. [Compare](https://toolgpa.com/compare/bench-vs-kick) - [Botkeeper](https://toolgpa.com/tools/botkeeper): Automated bookkeeping platform sold to accounting firms. [Compare](https://toolgpa.com/compare/botkeeper-vs-kick) ## Sources The prices, plans, platforms and features above were read from these pages on Nov 13, 2026: - https://www.kick.co/pricing - https://www.kick.co Page: https://toolgpa.com/tools/kick Listed by ToolGPA (toolgpa.com).