The Reckon Insider’s Guide
Everything we know about Reckon 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.
Reckon
The Insider’s Guide
Cloud accounting and payroll for Australian small businesses
Every plan, grade, refund rule and rival among accounting and invoicing tools, read from Reckon’s own pages.
Made by Reckon Limited · checked Nov 12, 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 Reckon’s own pages, its app-store listings and our grades. Every fact in it is on Reckon’s page too, where it is kept up to date. Checked Nov 12, 2026.
Part 01 · Overview
Welcome
What it is, who it suits, its grades and the ten things to know first
2.2
GPA, above 22 of the 65 other accounting and invoicing tools we grade
Reckon One is cloud accounting and payroll software for businesses in Australia and New Zealand. It covers invoicing, bank feeds, GST reporting for BAS, inventory and payroll with Single Touch Payroll, and it lists unlimited users on every plan. Accounting and payroll are priced as separate plan sets, each with steep discounts for the first months.
To get you started, here are 9 things to know about Reckon, taken from its own pages and our grades.
You'll connect banks and set up GST before it saves time.
- 1
Best for Australian cloud accounting and payroll
Reckon is cloud accounting and payroll for Australian small businesses, with GST and BAS reporting, bank feeds and free data migration.
- 2
What it costs
Paid plans start at A$27 per month at renewal, after 6 months at A$2.70 (Accounting Plus).
- 3
You can try it first
30-day free trial, cancel anytime
- 4
It runs on 3 platforms
Web, iOS and Android.
- 5
Invoicing and online payments
Create and send invoices and take card payments online through Stripe, with matching invoice and payroll mobile apps.
- 6
Bank feeds and reconciliation
Connect bank accounts through Open Banking or direct feeds and reconcile imported transactions.
- 7
GST and BAS reporting
Tracks income, expenses and GST in one place, with real-time reports and a customizable dashboard for BAS time.
- 8
A 2.2 GPA, above 22 of 65
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 Reckon 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.
Reckon at a glance
- Pricing
- Free trial, from A$27 per month at renewal, after 6 months at A$2.70 (Accounting Plus)
- Free plan
- No
- Free trial
- 30-day free trial, cancel anytime
- Runs on
- Web, iOS, Android
- Made by
- Reckon Limited
- Category
- Accounting & Invoicing
- Our grade
- 2.2 GPA, fair
The report card
Best for Australian cloud accounting and payroll
Reckon is cloud accounting and payroll for Australian small businesses, with GST and BAS reporting, bank feeds and free data migration. The headline price is an offer: Accounting Plus is A$2.70 for 6 months, then A$27 a month, and payroll is a separate set of plans priced by employee count.
| Subject | Grade | Comment |
|---|---|---|
| Value for money | C | A$27 a month at renewal for Accounting Plus and A$50 for Premium, after 6 months at a tenth of that. Around the middle of the category. |
| Free plan and trial | C | A 30-day free trial, cancel anytime. No free plan. |
| Features | C | Invoicing, bank feeds, GST and BAS, payroll and phone support. Payroll is optional on the main plans and has its own plan set, and desktop products are sold separately. |
| Ease of use | C | No store rating on record. You'll connect banks and set up GST before it saves time. |
| Platforms and integrations | B | Web, iPhone and Android, with Stripe listed. No desktop app in these plans. |
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 Reckon is for
- Fits if you're an Australian small business that wants GST and BAS reporting and free data migration
- Works for businesses that want phone support
Who it is not for
- Not for you if you're outside Australia, as it's Australian GST and BAS
- Watch out: first-months prices are far below the renewal prices
- Watch out: payroll has its own plans: Payroll Essentials, up to 4 employees, is A$18 a month at renewal
- Watch out: the pages show a plain $ sign and don't say whether prices include GST
- Pricey if you want inventory with payroll: that's Ultimate at A$92 a month at renewal
Good to know
Good for
- Australian small businesses that want GST reporting and payroll in one subscription
- Teams that need several users without paying per seat
- Businesses moving data over from Xero, MYOB or QuickBooks
Worth knowing
- Prices are shown with a plain $ sign on the Australian site and are likely Australian dollars; the page does not say whether they include GST.
- Payroll is optional on Plus and Premium and has its own plan set priced by employee count.
- Offered prices for the first months are much lower than the renewal prices listed as the regular price.
- Reckon also sells separate desktop and hosted products that are not part of these plans.
Part 02 · Pricing
What it costs
Every plan, the free plan, ways to pay less and how prices have moved
$27/mo
To start
Reckon is a paid product with a free trial, starting at A$27 per month at renewal, after 6 months at A$2.70 (Accounting Plus).
Accounting Plus
A$27
per month at renewal, after first 6 months at A$2.70
For small businesses, with unlimited users; payroll is optional. Yearly billing is A$298, or A$134.10 for the first 12 months.
Accounting Premium
A$50
per month at renewal, after first 6 months at A$5
For growing businesses; yearly billing is A$552, or A$248.40 for the first 12 months.
Ultimate Plan
A$92
per month at renewal, after first 6 months at A$9.20
Includes unlimited payroll and inventory; yearly billing is A$1,016, or A$457.20 for the first 12 months.
Payroll Essentials
A$18
per month at renewal, after first 6 months at A$1.80
Standalone payroll for up to 4 employees; yearly billing is A$199, or A$89.55 for the first 12 months.
Payroll Plus
A$35
per month at renewal, after first 6 months at A$3.50
Standalone payroll for up to 10 employees; yearly billing is A$386, or A$173.70 for the first 12 months.
Payroll Premium
A$65
per month at renewal, after first 6 months at A$6.50
Standalone payroll for unlimited employees; yearly billing is A$718, or A$323.10 for the first 12 months.
Trying it first
30-day free trial, cancel anytime
Read from reckon.com on Nov 12, 2026.
Ways to pay less
Other savings
90% off the first 6 months monthly
Monthly plans are 90% off for the first 6 months, for example A$2.70 a month for Accounting Plus, then the regular price.
Stated on reckon.comOther savings
55% off the first 12 months yearly
Yearly plans are 55% off for the first 12 months, for example A$134.10 for Accounting Plus against A$298.
Stated on reckon.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
Cloud accounting and payroll for Australian small businesses. Here is what it does, as its own site describes it, and what it covers: invoicing, reports, bookkeeping, expense tracking, payroll, inventory.
Invoicing, bank feeds, GST and BAS, payroll and phone support.
- Invoicing and online payments
- Create and send invoices and take card payments online through Stripe, with matching invoice and payroll mobile apps.
- Bank feeds and reconciliation
- Connect bank accounts through Open Banking or direct feeds and reconcile imported transactions.
- GST and BAS reporting
- Tracks income, expenses and GST in one place, with real-time reports and a customizable dashboard for BAS time.
- Payroll
- Pays employees and manages leave and super, with Single Touch Payroll reporting and Payday Super stated as covered.
- Free data migration
- The vendor says it migrates data from other providers at no charge on the Plus and Premium accounting plans.
- Phone support
- Phone support in business hours, plus email, help resources and webinars, per the vendor's comparison page.
Where it runs
- Web
- iOS
- Android
What it works with
- Stripe
Reckon is made by Reckon Limited.
Part 04 · Standing
Where it stands
Its grades against its category, and whether to keep it or make your own
22/65
Other accounting and invoicing tools it is graded above
Reckon's GPA of 2.2 is higher than 22 of the 65 other accounting and invoicing tools we grade, and level with 15.
It stands best on platforms and integrations (B, above 13 of 65) and worst on ease of use (C, above 1).
Each grade against the category
Every bar is all 66 accounting and invoicing tools we grade, cut by the letter each got. Reckon’s own letter is outlined.
- CValue for moneyAbove 13 of 65
- CFree plan and trialAbove 15 of 65
- CFeaturesAbove 4 of 65
- CEase of useAbove 1 of 65
- BPlatforms and integrationsAbove 13 of 65
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 Reckon 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.
What you could make
- Invoicing, inventory, expense tracking 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.
- Payroll taxes worked out and filed with the government for you.
- A real app for iOS and Android. Something home-made would be a web page.
What this rests on. Reckon’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
MYOB, Xero, QuickBooks Online, Zoho Books and FreshBooks
The 5 tools Reckon is most often weighed against, with where each one differs from it.
- 2.6GPA
MYOB
Free trial · from $11/mo
Australian accounting, GST, BAS and payroll software.
- Only MYOB lists a Windows app.
- 2.6GPA
Xero
Free trial · from $27/mo
Cloud accounting for small businesses, with unlimited users.
- Reckon also covers inventory.
- 2.4GPA
QuickBooks Online
Free plan · from $38/mo
Cloud accounting from Intuit, from a free plan to 25-user Advanced.
- QuickBooks Online has a free plan. Reckon does not, though it has a free trial.
- Reckon also covers inventory.
- 3.4GPA
Zoho Books
Free plan · from $15/mo
Online accounting from Zoho, with a free plan and six paid tiers.
- Zoho Books has a free plan. Reckon does not, though it has a free trial.
- Only Zoho Books lists a Windows app.
- Reckon also covers payroll and inventory.
- 2.6GPA
FreshBooks
Free trial · from $23/mo
Invoicing and accounting for freelancers and service businesses.
- Reckon also covers inventory.
- FreshBooks also covers time tracking.
Part 06 · Questions
Quick answers
The questions people ask about it, each answered in a line or two
12
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 Reckon free?
No, Reckon is a paid product, but you can try it first. 30-day free trial, cancel anytime.
How much does Reckon cost?
Reckon lists 6 plans. Accounting Plus: A$27 per month at renewal, after first 6 months at A$2.70.
What platforms does Reckon work on?
Reckon is available on Web, iOS and Android.
Does Reckon offer any discounts?
Reckon publicly lists the following: 90% off the first 6 months monthly; 55% off the first 12 months yearly.
Does Reckon have a Windows app?
No Windows app was listed when its pages were read on Nov 12, 2026. Reckon is listed for Web, iOS and Android.
Does Reckon have a macOS app?
No macOS app was listed when its pages were read on Nov 12, 2026. Reckon is listed for Web, iOS and Android.
Is Reckon open source?
Reckon is not described as open source on its own site, as read on Nov 12, 2026.
What does Reckon integrate with?
Reckon's listing names Stripe. A listing names up to eight integrations, so it may connect to more.
Who makes Reckon?
Reckon is made by Reckon Limited.
What are the alternatives to Reckon?
The closest alternatives to Reckon in our directory are MYOB, Xero, QuickBooks Online, Zoho Books and FreshBooks.
How does Reckon compare with other accounting and invoicing tools?
Reckon's GPA of 2.2 is higher than 22 of the 65 other accounting and invoicing tools we grade, and level with 15.
Could I make my own version of Reckon?
To replace Reckon 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 Reckon’s own pages on Nov 12, 2026, and the grades were given on Nov 12, 2026. Graded from this listing, whose facts were read from Reckon's own pages on 12 November 2026. 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 Reckon Limited. Prices change, so check reckon.com before you buy.
Part 07 · About
About ToolGPA
Who made this guide, what else is on the site, and how to cite it
5,038
Tools graded, in 95 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.
Every grade, review and ranking on ToolGPA is our own judgement. No company can pay for a grade or change one. Every tool on the site has a guide like this one, free to download and pass on. It all lives at toolgpa.com.
5,038
tools graded
95
categories
739
price changes on record
579
apps priced in 12 countries
What else is on toolgpa.com
- Reckon, kept up to dateEverything in this guide, with prices and grades as they are todaytoolgpa.com/tools/reckon
- 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, "Reckon: The Insider's Guide", checked Nov 12, 2026. https://toolgpa.com/tools/reckon
Know someone choosing between accounting and invoicing tools?
Send them this guide: toolgpa.com/tools/reckon/guide
ToolGPA elsewhere: youtube.com/@toolgpa
See our other guides
The best-graded accounting and invoicing tools after Reckon, each with an Insider's Guide of its own.
- Accounting & Invoicing Insider's GuideEvery one of the 67 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 Reckon’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. Every grade, review and ranking on ToolGPA is our own judgement. No company can pay for a grade or change one. Reckon is a trademark of its owner, and this guide is not made, paid for or approved by Reckon Limited. Prices and plans change: check reckon.com before you buy.