Every feature, side by side

BizBooks Pro against the six products people most often compare it with. Every competitor cell links to the page we checked it against, and where a competitor is ahead, the chart says so.

Checked October 22, 2026 against each vendor's own help, plan and product pages wherever they were available.

Platform & data

Feature	BizBooks Pro	QuickBooks Online	QuickBooks Desktop Enterprise	Xero	Sage 50 (US)	FreshBooks	Wave
Runs as a desktop app with books stored on your own machine	✓IncludedWindows; Mac coming soon	✕Not offeredCloud only	✓IncludedWindows desktop	Not found	✓IncludedWindows desktop	✕Not offeredWeb-based	Not found
Use from any device's browser	✓IncludedBrowser access to your own installation	✓Included	+Paid add-onPaid cloud hosting add-on	—	+Paid add-onThird-party hosting needed	✓Included	—
Available to new customers	✓IncludedYes	✓Included	✓IncludedPro/Premier Plus stopped for new US buyers 2024-09-30; Enterprise still sold	✓Included	✓Included	✓Included	✓Included
Bench-tested to 26 million transactionsOnly in BizBooks Pro	✓IncludedBalance Sheet under 3s at 26M	Not found	Not found	Not found	Not found	Not found	Not found

Core accounting

Feature	BizBooks Pro	QuickBooks Online	QuickBooks Desktop Enterprise	Xero	Sage 50 (US)	FreshBooks	Wave
Full double-entry general ledger and journal entries	✓Included	✓IncludedJournal entries	—	✓IncludedManual journals	✓Included	◐PartialDouble-entry reports from Plus up	—
Choose GAAP, IFRS, GASB or nonprofit reporting per companyOnly in BizBooks Pro	✓IncludedReport titles and sections relabel per company	Not found	Not found	Not found	Not found	Not found	Not found
Journal entry approval before posting	✓Included	✕Not offeredApproval workflows cover bills	Not found	+Paid add-onThird-party apps (e.g. ApprovalMax)	Not found	Not found	Not found
Fixed assets with automatic depreciation entries	✓Included3 methods	◐PartialAdvanced only: Fixed Asset Manager	✓IncludedFixed Asset Manager	✓IncludedStraight line, declining balance, full on purchase	—	Not found	Not found
Loan amortization with principal/interest split on payment	✓Included	✕Not offeredIntuit: amortization handled by manual entries	✓IncludedLoan Manager	Not found	Not found	Not found	Not found
ASC 606 / IFRS 15 revenue recognition schedules	✓Included	◐PartialAdvanced only	Not found	✕Not offeredUsers request it; third-party apps	Not found	Not found	Not found
Multi-currency with live exchange rates	✓Included	◐PartialEssentials and up; can't be turned off; disables Cash Flow Planner	—	◐PartialEstablished plan	✕Not offeredUS edition has no multi-currency	✓IncludedInvoice and get paid in other currencies	✓IncludedInvoices and payments in other currencies
Year-end close with closing date / period lock	✓IncludedDetects unclosed years; lock date	✓IncludedClosing date and password	—	✓IncludedPeriod and year-end lock dates	✓IncludedYear-End Wizard	Not found	Not found
Scans the books for entries hit by fixed software bugs and repairs them with your approval (undoable)	✓IncludedReview and Repair	Not found	—	Not found	—	Not found	Not found
Audit log of every change	✓Included	✓IncludedAudit log, 2-year retention	✓IncludedAudit trail, always on	◐PartialHistory & notes; Xero says a full audit trail is not planned	◐PartialPremium and up	Not found	Not found

Banking

Feature	BizBooks Pro	QuickBooks Online	QuickBooks Desktop Enterprise	Xero	Sage 50 (US)	FreshBooks	Wave
Bank and card feeds (US and Canada)	✓IncludedPlaid	✓Included	✓Included	✓Included	—	✓Included	◐PartialPro plan
Import statements from PDF, CSV or Excel	✓IncludedAI reads image-only PDFs too	✓IncludedUpload a PDF or image statement	—	✓IncludedPDF statements from supported banks	—	Not found	—
Bank reconciliation	✓IncludedIncludes AI statement reconciliation	✓Included	—	✓Included	✓Included	◐PartialPlus and up	✓Included
Split one card statement across several companies (or personal) and post to eachOnly in BizBooks Pro	✓IncludedShared Card Desk	✕Not offeredUsers split by hand with journal entries	✕Not offered	✕Not offered	Not found	Not found	Not found
Check printing on your own stock	✓IncludedWith printer-tray routing	✓IncludedPrint queue, single or batch	—	✓IncludedPay bills by check, print PDF	✓Included	Not found	Not found

Sales

Feature	BizBooks Pro	QuickBooks Online	QuickBooks Desktop Enterprise	Xero	Sage 50 (US)	FreshBooks	Wave
Invoicing with your branding and templates	✓Included	✓Included	✓Included	✓IncludedEarly plan capped at 20	✓Included	✓Included	✓Included
Batch invoicing	✓Included	◐PartialAdvanced only	✓Included	✕Not offeredUsers request bulk sending; API/apps only	Not found	Not found	Not found
Estimates / quotes to invoice	✓IncludedWith e-signature	✓Included	✓IncludedEstimate to invoice	✓Included	—	✓Included	✓Included
Progress invoicing	✓Included	—	—	◐PartialProgress payments in new invoicing	✓IncludedProgress billing from estimates	◐PartialDeposits and retainers; no progress invoicing	Not found
Recurring invoices and subscription plans	✓Included	◐PartialEssentials and up	—	✓IncludedRepeating invoices and journals	✓IncludedRecurring invoices	✓Included	✓Included
Customer portal and online payments	✓IncludedStripe, PayPal, virtual terminal, checkout links	✓Included	✓IncludedPayment links	✓Included	✓IncludedAR Automation (2026)	✓Included	✓Included
Public sign-up forms (link + QR code) that create customersOnly in BizBooks Pro	✓IncludedRegistration portals	✕Not offeredThird-party form tools only	Not found	Not found	Not found	Not found	Not found
US sales tax and Canadian GST/HST/PST	✓Included	✓IncludedPer country edition (US or Canada)	—	✓Included	—	✓IncludedManually configured rates	✓IncludedManually configured rates

Purchasing

Feature	BizBooks Pro	QuickBooks Online	QuickBooks Desktop Enterprise	Xero	Sage 50 (US)	FreshBooks	Wave
Bills and accounts payable	✓Included	✓Included	✓Included	✓IncludedEarly plan capped at 5	✓Included	◐PartialPremium and up	✓Included
Purchase orders	✓Included	◐PartialPlus and up	✓IncludedLinked to sales orders	✓Included	✓Included	✕Not offeredNo native purchase orders	Not found
Payment requests from people without a login, through approval chains, including reimburse-me	✓IncludedPayFlow	◐PartialAdvanced: bill approval workflows for users	◐PartialPlatinum+: bill and PO approvals	◐PartialExpense claims with approval (Established)	Not found	Not found	Not found
1099 preparation and e-filing	✓Included	◐PartialFree e-file on Advanced; paid otherwise	—	◐PartialW-9 + 1099 management; e-file not stated	✓Included1099 and 1096	+Paid add-onThird-party (TaxBandits)	Not found
Receipt and bill capture with OCR	✓Included	✓IncludedMobile receipt capture	—	✓IncludedHubdoc included	Not found	✓IncludedExpense receipts Plus; bill receipts Premium	+Paid add-onPaid add-on
Mileage tracking	✓IncludedWith CSV import	✓IncludedMobile mileage tracking	—	◐PartialEstablished: mileage claims	Not found	✓Included	Not found

Inventory

Feature	BizBooks Pro	QuickBooks Online	QuickBooks Desktop Enterprise	Xero	Sage 50 (US)	FreshBooks	Wave
Inventory tracking	✓Included	◐PartialPlus and up	✓IncludedAdvanced Inventory on Platinum+	◐PartialGrowing+ with Inventory Plus add-on	✓IncludedBasic in Pro; advanced in Premium+	◐PartialBasic stock counts only; no COGS	Not found
Assemblies / bill of materials	✓IncludedWith BOM import	✕Not offeredBundles only; no assembly builds	✓IncludedSingle-level assemblies; no multi-level BOM	Not found	✓IncludedBill of materials, build/unbuild	Not found	Not found

People & time

Feature	BizBooks Pro	QuickBooks Online	QuickBooks Desktop Enterprise	Xero	Sage 50 (US)	FreshBooks	Wave
Time tracking billed to invoices	✓Included	◐PartialEssentials and up	+Paid add-onQuickBooks Time, paid	◐PartialEstablished	◐PartialTime & billing, Premium and up	✓Included	Not found
Time clock kiosk on a shared tablet (PIN, photo, GPS)	✓IncludedPlus self-punch, mobile punch, approvals	+Paid add-onQuickBooks Time kiosk	+Paid add-onQuickBooks Time kiosk	Not found	Not found	Not found	Not found
Payroll	✓IncludedImport from ADP, Gusto, Paychex and 7 more, or custom CSV; hand-written paychecks (no tax calculation)	+Paid add-onFull-service payroll, paid add-on	+Paid add-onEnhanced/Assisted Payroll, paid	+Paid add-onXero Payroll by Gusto, paid	+Paid add-onPayroll add-on	+Paid add-onPaid add-on	+Paid add-onPaid add-on
Booking, dispatch and payment automation inside the accounting app	✓IncludedServiceHub	+Paid add-onThird-party field-service apps	◐PartialIntuit Field Service Management, 1 dispatch user included	—	Not found	Not found	Not found
Project / job profitability	◐Partialtime-based (value of time, invoiced, unbilled, effective rate); full project P&L via a Project tracking dimension	◐PartialPlus and up	✓IncludedJob costing	◐PartialEstablished	◐PartialJob costing, Premium and up	◐PartialPremium and up	Not found

Reporting

Feature	BizBooks Pro	QuickBooks Online	QuickBooks Desktop Enterprise	Xero	Sage 50 (US)	FreshBooks	Wave
Class, location and supplier tracking with P&L and balance sheet by segment	✓IncludedUnlimited	◐PartialPlus: 40 classes/locations; Advanced unlimited	—	◐Partial2 active tracking categories	◐PartialDepartments, Premium and up	Not found	Not found
Custom report builder, comparative and trend reports	✓Included	◐PartialCustom reports on Advanced	✓IncludedAdvanced Reporting	—	◐PartialPremium and up	✕Not offered	✕Not offered
Consolidated reports with eliminations	✓Included	+Paid add-onIntuit Enterprise Suite	◐PartialCombine reports into Excel; no eliminations	✕Not offeredXero: consolidated reporting not currently planned; apps only	◐PartialConsolidate companies, Premium and up; no eliminations found	Not found	Not found
Budgets and budget vs actual	✓IncludedWith variance comments	◐PartialPlus and up	✓IncludedBudgets and forecasts	◐PartialGrowing: 3 budgets	◐PartialPremium and up	◐PartialProject budgets	Not found
Cash-flow forecast that predicts when each customer will actually pay	✓Included13 weeks	✓IncludedCash Flow Planner predicts invoice payment dates	◐PartialForecasts; no per-customer payment prediction	✓IncludedJAX predicts when customers will pay	◐PartialCash Flow Manager; no payment prediction	Not found	Not found
Timed health check of your own booksOnly in BizBooks Pro	✓IncludedSpeed Stats	Not found	Not found	Not found	Not found	Not found	Not found

CFO / Boardroom

Feature	BizBooks Pro	QuickBooks Online	QuickBooks Desktop Enterprise	Xero	Sage 50 (US)	FreshBooks	Wave
CFO / Boardroom Center: KPI cockpit, scenarios, covenants, risk, close, tax reserve and board packs in one placeOnly in BizBooks Pro	✓Included	◐PartialSeparate KPI dashboards, forecasts and management reports (mostly Advanced)	Not found	◐PartialAnalytics: KPIs, ratios, forecast (Established)	Not found	Not found	Not found
KPI cockpit with targets (runway, DSO/DPO/DIO, ratios)	✓Included	◐PartialKPI scorecards / dashboards, Advanced	Not found	◐PartialKPIs and ratios, Established	Not found	◐PartialAt-a-glance dashboards; no targets or ratios	Not found
What-if scenarios side by side (runway, cash low point, profit)	✓Included	◐PartialScenario analysis by chat; side-by-side not documented	Not found	Not found	◐PartialWhat-if transactions in Cash Flow Manager	Not found	Not found
Loan covenant monitoring with breach warningsOnly in BizBooks Pro	✓Included	✕Not offeredCalculated by hand or third-party apps	Not found	✕Not offeredXero points to third-party apps	Not found	Not found	Not found
Month-end close checklist with owners, sign-off and period lock	✓Included	◐PartialMonth-end review in QBO Accountant	Not found	Not found	Not found	Not found	Not found
Income-tax reserve trackerOnly in BizBooks Pro	✓Included	Not found	Not found	Not found	Not found	Not found	Not found
Board / lender report packs generated on a schedule	✓Included	◐PartialManagement reports; scheduled email of report groups	Not found	◐PartialReport packs, publish locks the period	Not found	Not found	Not found
Pack revisions with a figure-by-figure change summary and a warning when closed books moveOnly in BizBooks Pro	✓Included	✕Not offered	Not found	✕Not offered	Not found	Not found	Not found
Share a pack by link + QR with PIN, expiry, revoke and view logOnly in BizBooks Pro	✓Included	✕Not offered	Not found	✕Not offeredRequested on Xero's ideas forum	Not found	Not found	Not found

AI

Feature	BizBooks Pro	QuickBooks Online	QuickBooks Desktop Enterprise	Xero	Sage 50 (US)	FreshBooks	Wave
AI that prepares entries and holds them for your approval	✓IncludedOperates the app's own screens; staged inbox	✓IncludedIntuit Assist agents	✕Not offeredNo AI features on the Enterprise features page	✓IncludedJAX asks for approval before it acts	✕Not offeredSage Copilot announced for UK Sage 50 only	✕Not offeredNo AI features on the pricing page	Not found
Plain-language mode on the same books, full program one click away	✓IncludedEzMode	◐PartialBusiness view / Accountant view toggle	Not found	Not found	Not found	Not found	Not found
Hands-free voice with a wake wordOnly in BizBooks Pro	✓Included	✕Not offeredVoice chat in some regions; no wake word found	Not found	✕Not offered	Not found	Not found	Not found
Ask questions about your finances in plain English	✓Included	✓IncludedAI Chat	✕Not offeredNo AI features on the Enterprise features page	✓IncludedJAX	✕Not offeredSage Copilot announced for UK Sage 50 only	✕Not offeredNo AI features on the pricing page	Not found
Bring your own AI key and modelOnly in BizBooks Pro	✓Included	Not found	Not found	Not found	Not found	Not found	Not found

Access & accountants

Feature	BizBooks Pro	QuickBooks Online	QuickBooks Desktop Enterprise	Xero	Sage 50 (US)	FreshBooks	Wave
User roles and custom permissions	✓IncludedIncl. a CFO-only permission	◐PartialCustom permissions on Advanced	✓Included	—	◐PartialRole-based security in Quantum	◐PartialTeam members are a paid add-on	◐PartialPro: admin/editor/viewer
Accountant and firm staff don't use up paid seats	✓IncludedUnlimited firm staff on a client's licence	◐Partial2 accountants (3 on Advanced), outside the user limit	Not found	✓IncludedNo per-user fees	Not found	◐PartialPlus and up	✓IncludedTax pro role on Starter
Accountant connects to a client's desktop books with no hosting fee (Tailscale or relay)Only in BizBooks Pro	✓Included	Not found	+Paid add-onPaid cloud hosting	Not found	+Paid add-onThird-party hosting needed	Not found	Not found
Several companies open side by side, in multiple windows	✓Included	◐PartialSeparate subscription per company; switch from a drop-down	◐PartialTwo company files at once (primary + secondary)	—	—	—	◐PartialSeveral businesses, one at a time
Public API, webhooks, Zapier and Make	✓Included	✓Included	—	✓IncludedApp Store	—	—	—
QuickBooks import, or we migrate it for you	✓IncludedWhite-glove migration from inside the app	✓IncludedDesktop to Online migration	Not found	—	—	—	—

Industry editions

Feature	BizBooks Pro	QuickBooks Online	QuickBooks Desktop Enterprise	Xero	Sage 50 (US)	FreshBooks	Wave
Nonprofit: donor restrictions, FASB 958 statements, contribution statements	✓Included	◐PartialNonprofit business type; no fund features listed	✓IncludedIndustry-focused editions	◐PartialIndustry page; no fund-accounting features listed	Not found	Not found	Not found
Government: GASB fund accounting, encumbrances, GASB 54Only in BizBooks Pro	✓Included	Not found	Not found	Not found	Not found	Not found	Not found
Church: offering batches, pledges, giving statements, clergy housing allowanceOnly in BizBooks Pro	✓Included	◐PartialHousing allowance as a payroll item	◐PartialHousing allowance as a payroll item	Not found	Not found	Not found	Not found
Preschool & childcare: enrollment, ratios, tuition billing, dependent-care statementsOnly in BizBooks Pro	✓Included	Not found	Not found	Not found	Not found	Not found	Not found
Construction: cost codes, pay applications (G702/G703-style), retainage	✓Included	◐PartialConstruction financials on Advanced	✓IncludedIndustry-focused editions	◐PartialIndustry page; no retainage	◐PartialPremium: change orders, job costing	Not found	Not found
Law firm: IOLTA trust ledger, three-way reconciliation, conflict checks	✓Included	Not found	—	Not found	Not found	Not found	Not found
Real estate & property management: commission splits, leases, deposits in trust, rent rollOnly in BizBooks Pro	✓Included	Not found	Not found	Not found	Not found	Not found	Not found
Travel agency: one-screen booking posts the commission entry; supplier and agent reportsOnly in BizBooks Pro	✓Included	Not found	Not found	Not found	Not found	Not found	Not found

Where they are ahead

Payroll: QuickBooks, Xero (via Gusto), Sage, FreshBooks and Wave all sell full-service payroll with tax calculation as a paid add-on. We import payroll from your provider and record hand-written paychecks; we do not calculate payroll tax.
Mac: We run on Windows today; a Mac version is coming. QuickBooks Online, Xero, FreshBooks and Wave run in any browser on any computer.
App marketplace: Xero lists 1,000+ connected apps and QuickBooks has a large app marketplace of its own. We connect to the services in our integrations list plus Zapier, Make and our public API.
Predicted payment dates: QuickBooks Online and Xero both predict when each customer will pay. Our 13-week forecast does the same, so this is a draw rather than a lead.

How this chart was made

Features only: plans and prices are on each head-to-head page. A competitor feature that needs a higher plan is marked partial, with the plan in the note. "Not found" means we could not find the feature in the vendor's plan pages or help documentation; if you know otherwise, tell us and we will correct it. Product names are trademarks of their owners.