# Patriot Accounting > Low-cost US small business accounting that pairs with Patriot Payroll Patriot Accounting is online bookkeeping software for US small businesses from Patriot Software, which also sells payroll. Both plans include unlimited invoices, customers, vendors and users, bank imports, reconciliation, 1099s and Stripe payments, with Premium adding estimates, recurring invoices, reminders and document storage. Payroll is a separate subscription that posts its entries to the books. - **Category:** Accounting & Invoicing - **Made by:** Patriot Software - **Website:** https://www.patriotsoftware.com/accounting/ - **Runs on:** Web - **Facts last checked:** Oct 17, 2026 ## Pricing Patriot Accounting is a paid product with a free trial, starting at $20 per month, billed monthly, after $10 a month for the first 3 months. - **Pricing model:** Free trial - **Free plan:** None. - **Free trial:** 30-day free trial. | Plan | Price | What you get | | --- | --- | --- | | Accounting Basic | $20 per month, billed monthly | Advertised at $10 a month for the first 3 months. Unlimited customers, invoices and vendors, bank imports, reconciliation, reports and card payments. | | Accounting Premium | $30 per month, billed monthly | Advertised at $15 a month for the first 3 months. Adds estimates, recurring invoices, payment reminders, user permissions, subaccounts and receipts. | Read from https://www.patriotsoftware.com/pricing/ on Oct 17, 2026. Prices change, so confirm with Patriot Accounting before buying. ## Ways to pay less - **30 days free, then 50% off for 3 months** (Other savings): New accounts get a 30-day free trial and then pay half price for 3 months: $10 a month for Basic and $15 for Premium. The bookkeeping service is excluded. Source: https://www.patriotsoftware.com/pricing/ ## Key features - **Invoices and online payments:** Unlimited invoices to unlimited customers. Through Stripe, customers pay by card, Apple Pay, Google Pay or ACH. - **Bank imports and reconciliation:** Connect bank and card accounts so activity flows in, or upload a file instead, then reconcile against monthly statements. - **Cash and accrual side by side:** A dual ledger lets you and your accountant switch between cash and accrual views without converting the books. - **Vendors, contractors and 1099s:** Unlimited vendor payments, printed checks, Forms 1099 and 1096, optional 1099 e-filing and a free portal for contractors. - **Unlimited users:** Invite your team and accountant at no extra cost. User-based permissions need Accounting Premium. - **Patriot Payroll:** Payroll from the same company records its journal entries in the books automatically, sold as a separate subscription. ## Good for - US small businesses that want low-cost books with phone support - Owners who pay contractors and need 1099s - Businesses that want accounting and payroll from one company ## Worth knowing - The advertised prices are 50% off for 3 months after the trial; plans then renew at $20 or $30 a month. - Payroll costs extra: Basic Payroll is $17 a month plus $4 per worker paid, Full Service $37 plus $5, with $12 a month per added state. - There is no mobile app: Patriot says the site is built to work in a phone browser instead. - Its tax features are US ones, from 1099s to payroll filing; a bookkeeping service is sold apart from $100 a month plus an onboarding fee. ## ToolGPA grades **GPA: 2.0 out of 4**, graded Oct 17, 2026. Patriot Accounting is simple US bookkeeping at a fair price: Basic is $20 a month, half that for the first 3 months, with unlimited users, invoices and bank imports. Payroll from the same company posts straight into the books. It's web only, though, with no phone app, and estimates and recurring invoices need Premium at $30. - **Value for money: C.** Basic is $20 a month once the 3 months at $10 are over, between the cheaper quarter of accounting tools at $15 and the middle at $23. Users and invoices are unlimited, but estimates and recurring invoices take you to Premium at $30. - **Free plan and trial: C.** A 30-day free trial, and the listing doesn't say whether it needs a card. There's no free plan, and the 3 months at half price after it is a discount, not more free time. - **Features: C.** Invoices paid by card, Apple Pay or ACH, bank imports and reconciliation, cash and accrual views side by side, checks, 1099s and payroll that posts itself. But estimates and repeat invoices need Premium, and the listing shows no time tracking, projects or inventory. - **Ease of use: C.** No store rating on record, and no app. There are bank and card accounts to connect and statements to reconcile each month before the books look after themselves. - **Platforms and integrations: C.** Web only: Patriot says its site is built to work in a phone browser instead of an app. Stripe is the only outside connection on the listing, beside bank imports and its own payroll. These are ToolGPA's own grades. Graded from this listing, whose facts were read from Patriot Software's own pages on 17 October 2026. Its pricing page would not load for us when this card was written, so the prices are as the listing has them. Not based on using the product, and shorter than our full reviews. ## Where it stands among accounting and invoicing tools - Patriot Accounting's GPA of 2.0 is higher than 0 of the 17 other accounting and invoicing tools we grade. - Its paid plans start at $10 a month, against a middle price of $19 for the category: 3 of the 16 others that charge start lower. - On features, ease of use and platforms it scores 2.0 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 Patriot Accounting 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. That makes this kind of software worth paying for, not this one in particular: 17 of the 17 other accounting and invoicing tools grade higher. It costs $120 a year. - You could make: Invoicing, expense tracking 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: Payroll taxes worked out and filed with the government for you. - You could not: What a company asks for before it lets staff use something: roles and permissions. - You could not: Sharing with other people, which means accounts and invitations. 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, Patriot Payroll **Tags:** Bookkeeping, Invoicing, Expense tracking, Reports, Payroll ## Alternatives - [QuickBooks Online](https://toolgpa.com/tools/quickbooks): Cloud accounting from Intuit, from a free plan to 25-user Advanced. [Compare](https://toolgpa.com/compare/patriot-accounting-vs-quickbooks) - [Wave](https://toolgpa.com/tools/wave): Free invoicing and bookkeeping for US and Canadian small businesses. [Compare](https://toolgpa.com/compare/patriot-accounting-vs-wave) - [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/patriot-accounting-vs-zoho-books) - [Xero](https://toolgpa.com/tools/xero): Cloud accounting for small businesses, with unlimited users. [Compare](https://toolgpa.com/compare/patriot-accounting-vs-xero) - [Kashoo](https://toolgpa.com/tools/kashoo): One-plan online accounting with unlimited users and bank feeds. [Compare](https://toolgpa.com/compare/kashoo-vs-patriot-accounting) ## Sources The prices, plans, platforms and features above were read from these pages on Oct 17, 2026: - https://www.patriotsoftware.com/pricing/ - https://www.patriotsoftware.com/accounting/ - https://www.patriotsoftware.com/about/ Page: https://toolgpa.com/tools/patriot-accounting Listed by ToolGPA (toolgpa.com).