AI bookkeeping for small businesses comes in three forms: software that categorizes and reconciles transactions so you can run the books yourself, AI bookkeepers that work inside the QuickBooks Online or Xero file you already have, and services where accountants close the books on top of AI software. Most tools in this guide publish pricing. Self-serve options start with Kick's free plan (250 categorized transactions a year) and Puzzle Starter at $30/mo. Done-for-you bookkeeping starts at $99/mo for Pilot Bookkeeping Essentials, and Zeni's Starter plan begins at $549/mo.
Puzzle is AI-native accounting software aimed at startups. It produces real-time financials with native integrations to tools like Stripe, Brex and Gusto, and keeps books tax-ready.
Pricing: Starter $30/mo, Core $72/mo, Complete $120/mo, Scale $360/mo source
Booke AI is an AI bookkeeper that works inside QuickBooks Online and Xero. It reviews bank feeds, categorizes transactions, matches documents and prepares reconciliations.
Pricing: AI Bookkeeper $129 per business/month source
QuickBooks Online is Intuit's cloud accounting software for small businesses. It includes automated bank-feed matching, invoicing and reporting with built-in AI assistance.
Pricing: Not publicly listed
Pilot provides bookkeeping, tax and CFO services for startups and small businesses. Its accountants work on top of Pilot's own software.
Pricing: Bookkeeping Essentials $99/mo; tax filing from $1,000/yr (single-member LLC) source
Zeni combines AI bookkeeping software with a team of accounting experts. It offers bookkeeping, tax and fractional CFO services for startups.
Pricing: Starter from $549/mo ($494/mo annual); Growth from $799/mo; CFO plans from $1,599/mo + setup source
Dougs is a French online chartered-accounting firm for small businesses and freelancers. It pairs AI-automated bookkeeping (bank sync, automatic categorization and VAT detection) with accountants who sign off the annual accounts, plus invoicing, payroll and legal services.
Pricing: Pack Liberté from €79/mo, Pack Sérénité from €99/mo, Pack Exclusivité from €129/mo (excl. VAT) source
Jupid is an AI accounting platform for freelancers and LLCs. It categorizes bank transactions, finds deductions, generates Schedule C and supports federal and state tax filing, with optional CPA review.
Pricing: Solo $50/mo; Team $200/mo (annual plans save 35%) source
Docyt is an AI-native ERP for hotels, restaurants, retail and franchises. It combines payments, accounting and business intelligence with continuous bookkeeping.
Pricing: Not publicly listed
Among the tools in our directory, Kick has a free plan for up to 250 categorized transactions a year, with paid plans from $40/mo. Puzzle Starter is $30/mo, Jupid Solo is $50/mo and Digits Essentials is $65/mo. Xero's US Early plan lists at $27/mo. Check each vendor's pricing page for current terms.
Yes. Booke AI works inside QuickBooks Online and Xero for $129 per business per month. It reviews bank feeds, categorizes transactions, matches documents and prepares reconciliations. Puzzle, Digits and Kick replace the ledger instead.
Software-only plans categorize and reconcile, but someone still reviews the books. Pilot, Zeni and Dougs include accountants in the service. Dougs is a French chartered-accounting firm whose accountants sign off the annual accounts.
Jupid is built for freelancers and LLCs. It generates Schedule C and supports federal and state tax filing, from $50/mo on the Solo plan. Kick's free plan is aimed at new businesses and sole proprietors.