Feature by feature: how Kantivo compares

A complete chart of Kantivo next to QuickBooks Online, QuickBooks Desktop Pro/Premier and Enterprise, Xero, Sage 50, FreshBooks and Wave. Kantivo works like a cloud system: one installation on a Windows computer, then any browser on any device, with your data held by you rather than a vendor. Every competitor entry is sourced, and the places where they lead are listed, not hidden.

Checked October 23, 2026 against each vendor's own help, plan and product pages wherever they were available.

Capabilities you will only find in Kantivo

For each of these, none of the seven competitors offered an equivalent we could find.

✓ Included ◐ Partial or higher plan only + Paid add-on or separate product ✕ Not offered or no longer sold Not found No equivalent in the vendor's documentation — Not yet verified Feature names open that feature's page. Competitor entries link to their source.

Platform & data

FeatureKantivoQuickBooks OnlineQuickBooks Desktop Pro / PremierQuickBooks Desktop EnterpriseXeroSage 50 (US)FreshBooksWave
Your books stay on your own computer, not the vendor's servers ✓IncludedMain installation on a Windows computer (Mac coming soon); every other device connects through a browser ✕Not offeredCloud only ✓IncludedWindows desktop ✓IncludedWindows desktop ✕Not offeredCloud only ✓IncludedWindows desktop ✕Not offeredWeb-based ✕Not offeredCloud only
Use from any device's browser ✓IncludedMac, PC, tablet or phone, just like an online system; books stay on your own computer ✓Included +Paid add-onThird-party hosting +Paid add-onPaid cloud hosting add-on ✓IncludedCloud +Paid add-onThird-party hosting needed ✓Included ✓IncludedCloud
Available to new customers ✓IncludedYes ✓Included ✕DiscontinuedNo longer sold to new US customers (since Sept 2024) ✓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 Kantivo ✓IncludedBalance Sheet under 3s at 26M Not found Not found Not found Not found Not found Not found Not found
No caps on accounts, customers, vendors or items ✓IncludedNo list or file-size caps ◐Partial250 accounts on Simple Start, Essentials and Plus; 40 classes and locations on Plus ◐Partial14,500 names; 10,000 accounts ✓IncludedUp to 1 million customers, vendors and items ◐Partial699-account chart of accounts cap reported by migration partners — ◐PartialBillable clients capped by plan —

Core accounting

FeatureKantivoQuickBooks OnlineQuickBooks Desktop Pro / PremierQuickBooks Desktop EnterpriseXeroSage 50 (US)FreshBooksWave
Full double-entry general ledger and journal entries ✓Included ✓IncludedJournal entries ✓IncludedGeneral journal entries ✓IncludedGeneral journal entries ✓IncludedManual journals ✓Included ◐PartialDouble-entry reports from Plus up ✓IncludedJournal transactions
Choose GAAP, IFRS, GASB or nonprofit reporting per companyMulti-Standard ReportingOnly in Kantivo ✓IncludedReport titles and sections relabel per company Not found 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 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 ✕Not offeredEnterprise only ✓IncludedFixed Asset Manager ✓IncludedStraight line, declining balance, full on purchase Not found Not found Not found
Loan amortization with principal/interest split on payment ✓Included ✕Not offeredIntuit: amortization handled by manual entries ✓Included ✓IncludedLoan Manager Not found Not found Not found Not found
ASC 606 / IFRS 15 revenue recognition schedules ✓Included ◐PartialAdvanced only Not found 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 ✓IncludedOne-way switch; one currency per customer ✓IncludedOne-way switch; one currency per customer ◐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 ✓IncludedClosing date and password ✓IncludedClosing date and password ✓IncludedPeriod and year-end lock dates ✓IncludedYear-End Wizard Not found Not found
Audit log of every change ✓Included ✓IncludedAudit log, 2-year retention ✓Included ✓IncludedAudit trail, always on ◐PartialHistory & notes; Xero says a full audit trail is not planned ◐PartialPremium and up Not found Not found

Banking

FeatureKantivoQuickBooks OnlineQuickBooks Desktop Pro / PremierQuickBooks Desktop EnterpriseXeroSage 50 (US)FreshBooksWave
Bank and card feeds (US and Canada) ✓IncludedPlaid bank and card feeds, plus Stripe and Square sales and payouts ✓Included ✓Included ✓Included ✓Included ◐PartialNeeds an active Sage Business Care plan ✓Included ◐PartialPro plan
Import statements from PDF, CSV or Excel ✓IncludedAI reads image-only PDFs too ✓IncludedUpload a PDF or image statement ◐PartialWeb Connect (QBO) files; no PDF ◐PartialWeb Connect (QBO) files; no PDF ✓IncludedPDF statements from supported banks ◐PartialOFX/QFX import; no PDF Not found ◐PartialCSV, OFX, QBO or QFX; no PDF
Bank reconciliation (manual) ✓Included ✓Included ✓Included ✓Included ✓Included ✓Included ◐PartialPlus and up ✓Included
AI reconciliation: reads the statement and matches it for youKantivo Core AI ✓IncludedAI statement reconciliation ◐PartialAI reconciliation on Plus and up Not found Not found ✓IncludedJAX auto-reconciles confident matches (beta) ✕Not offeredSage Copilot announced for UK Sage 50 only Not found Not found
Split one card statement across several companies (or personal) and post to eachShared Card DeskOnly in Kantivo ✓IncludedShared Card Desk ✕Not offeredUsers split by hand with journal entries ✕Not offered ✕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 ✓Included ✓Included ✓IncludedPay bills by check, print PDF ✓Included Not found Not found

Sales

FeatureKantivoQuickBooks OnlineQuickBooks Desktop Pro / PremierQuickBooks Desktop EnterpriseXeroSage 50 (US)FreshBooksWave
Invoicing with your branding and templates ✓Included ✓Included ✓Included ✓Included ✓IncludedEarly plan capped at 20 ✓Included ✓Included ✓Included
Batch invoicing ✓Included ◐PartialAdvanced only ✓Included ✓Included ✕Not offeredUsers request bulk sending; API/apps only Not found Not found Not found
Estimates / quotes to invoice ✓IncludedWith e-signature ✓Included ✓Included ✓IncludedEstimate to invoice ✓Included ✓IncludedQuotes convert to orders and invoices ✓Included ✓Included
Progress invoicing ✓Included ✓IncludedAll plans ✓IncludedFrom estimates ✓IncludedFrom estimates ◐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 ✓IncludedMemorized transactions ✓IncludedMemorized transactions ✓IncludedRepeating invoices and journals ✓IncludedRecurring invoices ✓Included ✓Included
Customer portal and online payments ✓IncludedStripe, PayPal, virtual terminal, checkout links ✓Included ✓Included ✓IncludedPayment links ✓Included ✓IncludedAR Automation (2026) ✓Included ✓Included
Public sign-up forms (link + QR code) that create customersRegistration PortalsOnly in Kantivo ✓IncludedRegistration portals ✕Not offeredThird-party form tools only Not found 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) ◐PartialPer country edition (US or Canada) ◐PartialPer country edition (US or Canada) ✓Included — ✓IncludedManually configured rates ✓IncludedManually configured rates

Purchasing

FeatureKantivoQuickBooks OnlineQuickBooks Desktop Pro / PremierQuickBooks Desktop EnterpriseXeroSage 50 (US)FreshBooksWave
Bills and accounts payable ✓Included ✓Included ✓Included ✓Included ✓IncludedEarly plan capped at 5 ✓Included ◐PartialPremium and up ✓Included
Purchase orders ✓Included ◐PartialPlus and up ✓Included ✓IncludedLinked to sales orders ✓Included ✓Included ✕Not offeredNo native purchase orders Not found
Payment and reimbursement requests by shareable link or printable QR code, with no account neededPayFlowOnly in Kantivo ✓IncludedStaff, volunteers or vendors submit from a phone ✕Not offeredApprovals only for users inside QuickBooks ✕Not offered ✕Not offeredApprovals only for users inside QuickBooks ✕Not offeredExpense claims need a Xero user Not found Not found Not found
Separate request forms for each group, with receipts you can requirePayFlowOnly in Kantivo ✓IncludedPayFlow portal profiles Not found Not found Not found Not found Not found Not found Not found
Optional multi-step approval chains for payment requestsPayFlow ✓IncludedA different chain for each request type ◐PartialAdvanced: bill approval workflows ✕Not offeredApprovals are Enterprise only ◐PartialPlatinum and up: bill and PO approvals ◐PartialExpense-claim approval (Established) Not found Not found Not found
Reimburse-me requests that carry the payee's payment details and record the entry when paidPayFlow ✓IncludedZelle, check or ACH details travel with the request Not found Not found Not found ✓IncludedExpense claims (Established) Not found Not found Not found
1099 preparation and e-filing ✓IncludedPrepare in the app; e-file through your TaxBandits account ◐PartialFree e-file on Advanced; paid otherwise ✓Included1099 wizard; e-file through Intuit for a fee, or IRIS ✓Included1099 wizard; e-file through Intuit for a fee, or IRIS ◐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 ◐PartialAttach documents from the mobile app ◐PartialAttach documents from the mobile app ✓IncludedHubdoc included Not found ✓IncludedExpense receipts Plus; bill receipts Premium +Paid add-onPaid add-on
Mileage tracking ✓IncludedLog trips, with a CSV import option ✓IncludedMobile mileage tracking ✓IncludedThrough the Desktop mobile app ✓IncludedThrough the Desktop mobile app ◐PartialEstablished: mileage claims Not found ✓Included Not found

Inventory

FeatureKantivoQuickBooks OnlineQuickBooks Desktop Pro / PremierQuickBooks Desktop EnterpriseXeroSage 50 (US)FreshBooksWave
Inventory tracking ✓Included ◐PartialPlus and up ◐PartialBasic inventory ✓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 ◐PartialPremier: basic builds, no tracking ✓IncludedSingle-level assemblies; no multi-level BOM Not found ✓IncludedBill of materials, build/unbuild Not found Not found

People & time

FeatureKantivoQuickBooks OnlineQuickBooks Desktop Pro / PremierQuickBooks Desktop EnterpriseXeroSage 50 (US)FreshBooksWave
Time tracking billed to invoices ✓Included ◐PartialEssentials and up +Paid add-on +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-on +Paid add-onQuickBooks Time kiosk Not found Not found Not found Not found
Payroll ✓IncludedImport from ADP, Gusto, Paychex and 7 more, or any CSV; hand-written paychecks where you enter the withholdings +Paid add-onFull-service payroll, paid add-on +Paid add-onBought separately +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
Scheduling and dispatch calendar inside the accounting appServiceHub ✓IncludedConflict detection, buffer times, reminders +Paid add-onThird-party field-service apps ✕Not offeredField Service is Enterprise only ◐PartialIntuit Field Service Management, 1 dispatch user included +Paid add-onThird-party apps from the Xero App Store Not found Not found Not found
Online booking page where customers book and pay (pay later, deposit, card on file or subscription), posted straight to the booksServiceHubOnly in Kantivo ✓IncludedServiceHub +Paid add-onThird-party booking apps Not found ✕Not offeredField Service lists dispatch and invoicing, not customer self-booking +Paid add-onThird-party apps from the Xero App Store 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 ◐PartialPremier and up ✓IncludedJob costing ◐PartialEstablished ◐PartialJob costing, Premium and up ◐PartialPremium and up Not found

Reporting

FeatureKantivoQuickBooks OnlineQuickBooks Desktop Pro / PremierQuickBooks Desktop EnterpriseXeroSage 50 (US)FreshBooksWave
Class, location and supplier tracking with P&L and balance sheet by segment ✓IncludedUnlimited ◐PartialPlus: 40 classes/locations; Advanced unlimited ✓IncludedClass tracking ✓IncludedClass and location tracking ◐Partial2 active tracking categories ◐PartialDepartments, Premium and up Not found Not found
Custom report builder, comparative and trend reports ✓Included ◐PartialCustom reports on Advanced ◐PartialLimited reporting ✓IncludedAdvanced Reporting ◐PartialCustomizable dashboards and reports (Growing and up) ◐PartialPremium and up ✕Not offered ✕Not offered
Consolidated reports with eliminations ✓Included +Paid add-onIntuit Enterprise Suite ✕Not offeredCombine reports is Enterprise only ◐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 ◐PartialPremier 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 ◐Partial ◐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 booksSpeed StatsOnly in Kantivo ✓IncludedSpeed Stats Not found Not found Not found Not found Not found Not found Not found

CFO / Boardroom

FeatureKantivoQuickBooks OnlineQuickBooks Desktop Pro / PremierQuickBooks Desktop EnterpriseXeroSage 50 (US)FreshBooksWave
CFO / Boardroom Center: KPI cockpit, scenarios, covenants, risk, close, tax reserve and board report packages in one placeCFO / Boardroom CenterOnly in Kantivo ✓Included ◐PartialSeparate KPI dashboards, forecasts and management reports (mostly Advanced) Not found Not found ◐PartialAnalytics: KPIs, ratios, forecast (Established) Not found Not found Not found
KPI cockpit with targets (runway, DSO/DPO/DIO, ratios)CFO / Boardroom Center ✓Included ◐PartialKPI scorecards / dashboards, Advanced Not found 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)CFO / Boardroom Center ✓Included ◐PartialScenario analysis by chat; side-by-side not documented Not found Not found Not found ◐PartialWhat-if transactions in Cash Flow Manager Not found Not found
Loan covenant monitoring with breach warningsCFO / Boardroom CenterOnly in Kantivo ✓Included ✕Not offeredCalculated by hand or third-party apps Not found 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 lockCFO / Boardroom Center ✓Included ◐PartialMonth-end review in QBO Accountant Not found Not found Not found Not found Not found Not found
Income-tax reserve trackerCFO / Boardroom CenterOnly in Kantivo ✓Included Not found Not found Not found Not found Not found Not found Not found
Board and lender report packages generated on a scheduleCFO / Boardroom Center ✓Included ◐PartialManagement reports; scheduled email of report groups Not found Not found ◐PartialReport packs, publish locks the period Not found Not found Not found
Board package revisions, with a figure-by-figure change summary and a warning when closed books moveCFO / Boardroom CenterOnly in Kantivo ✓Included ✕Not offered Not found Not found ✕Not offered Not found Not found Not found
Share a board package by link or QR code, with PIN, expiry, revoke and a view logCFO / Boardroom CenterOnly in Kantivo ✓Included ✕Not offered Not found Not found ✕Not offeredRequested on Xero's ideas forum Not found Not found Not found

AI

FeatureKantivoQuickBooks OnlineQuickBooks Desktop Pro / PremierQuickBooks Desktop EnterpriseXeroSage 50 (US)FreshBooksWave
AI prepares entries and holds them for your approvalKantivo Core AI ✓IncludedStaged inbox: approve, edit or decline ✓IncludedIntuit Assist agents ✕Not offered ✕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
The assistant works the app's real screens, so you can watch every stepKantivo Core AIOnly in Kantivo ✓Included Not found Not found Not found Not found Not found Not found Not found
Plain-language mode on the same books, full program one click awayEzMode ✓IncludedEzMode ◐PartialBusiness view / Accountant view toggle Not found Not found Not found Not found Not found Not found
Hands-free voice with a wake wordKantivo Core AIOnly in Kantivo ✓Included ✕Not offeredVoice chat in some regions; no wake word found Not found Not found ✕Not offered Not found Not found Not found
Ask questions about your finances in plain EnglishKantivo Core AI ✓Included ✓IncludedAI Chat ✕Not offered ✕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
Bank transactions categorized automatically, learning from your correctionsKantivo Core AI ✓Included ✓IncludedIntuit Assist categorizes transactions Not found Not found ✓IncludedJAX remembers how you handled similar lines ✕Not offeredSage Copilot announced for UK Sage 50 only Not found Not found
Proactive insights: anomalies, trends and cash risks surfaced without askingKantivo Core AI ✓Included ✓IncludedIntuit Assist flags anomalies and cash-flow insights Not found Not found ◐PartialAnalytics dashboards and forecasts ✕Not offeredSage Copilot announced for UK Sage 50 only Not found Not found
AI-written narrative summary of any reportKantivo Core AI ✓Included ◐PartialNarrative summary in management reports (Advanced) Not found Not found Not found Not found Not found Not found
AI setup interview that builds your chart of accounts and a working planKantivo Core AI ✓IncludedAccounting Flow Wizard ◐PartialChart of accounts set by industry at signup (not AI) Not found Not found Not found Not found Not found Not found
Bring your own AI key and modelKantivo Core AIOnly in Kantivo ✓Included Not found Not found Not found Not found Not found Not found Not found
Choose your assistant's name, voice and personalityKantivo Core AIOnly in Kantivo ✓Included Not found Not found Not found Not found Not found Not found Not found

Access & accountants

FeatureKantivoQuickBooks OnlineQuickBooks Desktop Pro / PremierQuickBooks Desktop EnterpriseXeroSage 50 (US)FreshBooksWave
User roles and custom permissions ✓IncludedIncl. a CFO-only permission ◐PartialCustom permissions on Advanced ◐PartialPredefined roles only; up to 5 users ✓Included ◐PartialFixed roles; report access is all-or-nothing ◐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 Not found ✓IncludedNo per-user fees Not found ◐PartialPlus and up ✓IncludedTax pro role on Starter
Free licence for verified accountants and bookkeepersPartner Program ✓IncludedPartner licence ✓IncludedQuickBooks Online Accountant is free Not found Not found ✓IncludedPartner program is free and includes a Xero subscription Not found ◐PartialAccountant access on Plus and up ◐PartialFree tax-pro role
Referral commission for accountants, for the life of the clientPartner Program ✓IncludedLifetime commission ◐PartialRevenue share for 12 months, extending to up to 3 years under ProPartner Not found Not found ✕Not offeredReferral program not open to accountant partners Not found Not found Not found
White-label client portal under your firm's own brandFirm Client PortalOnly in Kantivo ✓IncludedAccountant Firm plan Not found Not found Not found Not found Not found Not found Not found
Client portal for documents and requests between firm and clientFirm Client Portal ✓IncludedFirm client portal ✓IncludedClient requests and documents in the My Accountant tab Not found Not found ◐PartialPartner Hub for requests and working papers Not found Not found Not found
Practice tools: client dashboard, task templates, ratios and statement reviewAccountant Tools ✓IncludedAccountant tools ◐PartialPractice management in QuickBooks Online Accountant Not found Not found ◐PartialXero HQ; Practice Manager from the Silver tier Not found Not found Not found
Books-quality health scores across every clientAccountant ToolsOnly in Kantivo ✓IncludedClient health scores Not found Not found Not found Not found Not found Not found Not found
Your accountant works in your books from anywhere, with no hosting feeAccountant AccessOnly in Kantivo ✓IncludedSecure connection through Tailscale or our cloud relay Not found +Paid add-on +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 ◐PartialOne company file at a time ◐PartialTwo company files at once (primary + secondary) ◐PartialSwitch between organisations from My Xero ◐PartialMany company files; switch between them ◐PartialSeveral businesses; switch from a menu ◐PartialSeveral businesses, one at a time
Public API, webhooks, Zapier and Make ✓Included ✓Included ◐PartialDesktop SDK and Web Connector ◐PartialDesktop SDK and Web Connector ✓IncludedApp Store ◐PartialSDK (.NET and COM) ✓IncludedPublic API with OAuth —
QuickBooks import, or we migrate it for you ✓IncludedWhite-glove migration from inside the app ✓IncludedDesktop to Online migration Not found Not found ✓IncludedConversion partners and Conversion Toolbox ✓IncludedConverts QuickBooks Desktop company files ◐PartialYou import clients, expenses and items; support moves tax data ◐PartialGuided switch from QuickBooks

Industry editions

FeatureKantivoQuickBooks OnlineQuickBooks Desktop Pro / PremierQuickBooks Desktop EnterpriseXeroSage 50 (US)FreshBooksWave
Nonprofit: donor restrictions, FASB 958 statements, contribution statements ✓Included ◐PartialNonprofit business type; no fund features listed ◐PartialPremier Nonprofit edition ✓IncludedIndustry-focused editions ◐PartialIndustry page; no fund-accounting features listed Not found Not found Not found
Government: GASB fund accounting, encumbrances, GASB 54Only in Kantivo ✓Included Not found Not found Not found Not found Not found Not found Not found
Church: offering batches, pledges, giving statements, clergy housing allowanceOnly in Kantivo ✓Included ◐PartialHousing allowance as a payroll item ◐Partial ◐PartialHousing allowance as a payroll item Not found Not found Not found Not found
Preschool & childcare: enrollment, ratios, tuition billing, dependent-care statementsOnly in Kantivo ✓Included Not found 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 ◐PartialPremier Contractor edition ✓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 ◐PartialPremier Professional Services edition ◐PartialProfessional Services edition Not found Not found Not found Not found
Real estate & property management: commission splits, leases, deposits in trust, rent rollOnly in Kantivo ✓Included Not found 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 Kantivo ✓Included Not found Not found Not found Not found Not found Not found Not found

Where a competitor leads

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.
Host computer
The one requirement is a Windows computer for the main installation (a Mac version is coming). Everyone else, on Mac, PC, tablet or phone, works through a browser just as they would with an online system. The difference is that the books live on your computer, not the vendor's servers. QuickBooks Online, Xero, FreshBooks and Wave need no host computer at all.
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 growing 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.
Something missing?
We read feature requests every day and build many of them, often within days. Tell us what you need.

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.

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